Brunswick County · VA / Military

VA and Military Buyers in Brunswick County, NC

VA financing and PCS timing explained plainly, with the search and the closing built around your report date.

A Quick Note

This page is general information, not legal, tax, insurance, or lending advice. VA loan rules and insurance requirements change, and only the VA, your lender, your insurance agent, and the county tax office can decide what applies to you. I am a real estate professional, and my part is the search, the contract, and keeping your timeline on track.

VA and Military Buyers in Brunswick County

In Brunswick County, start with mainland or island. On the county's 2026 table, island towns carry their own town rates on top of the county's, and an island house brings flood insurance up early, so we run both before you fall for a view. Local to Coastal Realty handles the house side. I talk with your lender early so your offer fits what a VA loan requires, I walk every serious house with you, and I run the comps so you see what it is worth before you offer.

Brunswick County Veterans Services

Brunswick County Veterans Services is at 10 Referendum Drive, Building F, in Bolivia, 910-253-2233, open weekdays from 8:30 to 5. The county says applicants must be Brunswick County residents and should call to schedule an appointment with a service officer. Its directory covers disability benefits, medical benefits, education, and the state property tax exclusion below.

Brunswick routes the exclusion through that office: the county's state benefits page says to call 910-253-2233 to apply and, if you have not been to that office before, to bring VA documentation dated within the past year that shows your disability and the effective date of the permanent and total rating, or the grant of DIC. The county's Tax Office itself is at 30 Government Center Drive NE in Bolivia, open 8:30 to 5 on weekdays.

Your VA Loan, in Short

According to the VA, a VA-backed purchase loan requires no down payment as long as the sales price does not exceed the appraised value, carries no private mortgage insurance, and has no prepayment penalty. You need a Certificate of Eligibility and must intend to live in the home, so a weekly beach rental is not what a VA loan is for. With full entitlement, the VA says you have no VA loan limit, as long as you can afford the loan and the appraisal supports the price.

Most borrowers pay a one-time funding fee: 2.15 percent for a first-use purchase loan with less than 5 percent down, which is $7,525 on a $350,000 loan. You are exempt if you receive VA compensation for a service-connected disability, among other exemptions the VA lists. My page on buying a home with a VA loan covers entitlement and the appraisal.

The $45,000 Exclusion, Counted Here

Brunswick County's tax relief page lists the Disabled Veteran Homestead Exclusion: up to the first $45,000 of the appraised value of a permanent residence, for a veteran with a total and permanent service-connected disability or one who received specially adapted housing benefits, with no age or income limit, and for certain unremarried surviving spouses. Take Form NCDVA-9 to a veterans service office for certification, then file it with Form AV-9 at the county tax office by June 1 of the tax year. At the 2026 totals, that exclusion is worth about $154 a year outside any town at 0.342 per $100, $266 in Leland at 0.592, and $293 in Southport at 0.652. North Carolina also lets you deduct military retirement pay on your state return if you served at least 20 years or were medically retired under 10 U.S.C. Chapter 61.

Insurance, the Appraisal, and Next Steps

A VA loan is federally backed, so a house in a Special Flood Hazard Area needs flood insurance, and the quote belongs in your payment before you offer. We sign a written buyer agreement before touring, as the National Association of REALTORS has required of MLS participants since August 17, 2024. A VA-approved appraiser checks value and the VA's minimum property requirements, and I still recommend a full inspection, because the inspector works for you. Read buying a home in Brunswick County and my Brunswick County guide, then call me.

Frequently Asked Questions

Where is the veterans service office in Brunswick County?

Brunswick County Veterans Services is at 10 Referendum Drive, Building F, in Bolivia, 910-253-2233. Call ahead for an appointment.

Does Brunswick County offer a property tax break for disabled veterans?

Yes. The county lists North Carolina's Disabled Veteran Homestead Exclusion, which excludes up to the first $45,000 of a qualifying veteran's permanent residence, with no age or income limit.

Can I use a VA loan for a beach rental?

No. The VA says a VA loan buys a home you intend to live in.

Brunswick County

What va / military looks like in Brunswick County

45 miles of Brunswick Islands coast, six island beaches from Oak Island to Sunset Beach, in the fastest-growing county in North Carolina.

Brunswick County's islands are Oak Island, Ocean Isle Beach, Holden Beach, Caswell Beach, Sunset Beach, and Bald Head Island, six island beaches along 45 miles of coast.

Oak Island runs 12 miles long with a 10-mile beach, two ocean piers, a nature center, and the Oak Island Lighthouse at Caswell Beach, and seven designated paddle trails wind through the waterways behind Oak Island and Holden Beach.