Winston-Salem · VA / Military

VA and Military Buyers in Winston-Salem, 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, or lending advice. VA loan rules and tax rules change, and only the VA, your lender, 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 Winston-Salem

VA and military buyers in Winston-Salem have something most towns do not: the VA's regional benefit office is right downtown. 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.

The VA Office Downtown

The Winston-Salem VA Regional Benefit Office is at 251 North Main Street. The VA lists it as helping veterans with disability compensation, education, life insurance, pensions, and home loans, open Monday through Thursday from 8 a.m. to 4 p.m. and Friday from 9 a.m. to 4 p.m. It is a useful place for questions about your Certificate of Eligibility or your benefits. For the property tax form below, the NC Department of Military and Veterans Affairs points you to a county veterans service office for certification.

Health care for this part of the Triad runs through the VA's Salisbury system, which lists a clinic at 1695 Kernersville Medical Parkway in Kernersville and its medical center at 1601 Brenner Avenue in Salisbury. If you want to stay close to one of them, say so on our first call and I will build the search around it.

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. 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 $6,450 on a $300,000 loan. You are exempt if you receive VA compensation for a service-connected disability, along with a few other exemptions the VA lists. My page on buying a home with a VA loan covers entitlement, the appraisal, and paying your buyer's agent.

The $45,000 Exclusion at Forsyth County Rates

North Carolina law excludes the first $45,000 of a home's appraised value from property tax for a veteran with a service-connected, permanent, and total disability, or one who has received specially adapted housing benefits, and an unremarried surviving spouse can qualify. The home has to be your permanent residence.

In Forsyth, the application is Form AV-9, filed with Forsyth County Tax Administration at 201 North Chestnut Street (mail goes to P.O. Box 757, Winston-Salem 27102), open 8 to 5 on weekdays. The county's tax relief page puts the deadline at June 1 and says a veteran with a 100 percent total and permanent service-connected disability needs certification from the U.S. Department of Veterans Affairs, which is what Form NCDVA-9 is for. Ask the tax office which tax year your first application covers, based on when you close.

At Forsyth County's 2026 total of 1.143 per $100 of value in Winston-Salem, that exclusion is worth about $514 a year, and about $360 in Clemmons at 0.7991. I confirm the district on every address.

Retirement Pay and North Carolina

North Carolina 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. If you do not meet either test, ask a tax professional before you count on it.

How I Work With You

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. I walk you through the North Carolina contract line by line and keep the inspection, the appraisal, and the closing attorney on schedule. Still serving and on orders? See VA and military buyers in Fayetteville for PCS timing. Read buying a home in Winston-Salem and my Winston-Salem guide, then call me.

Frequently Asked Questions

Is there a VA office in Winston-Salem?

Yes. The Winston-Salem VA Regional Benefit Office is at 251 North Main Street, and the VA lists home loans among the benefits it helps with.

What is the disabled veteran exclusion worth in Winston-Salem?

North Carolina excludes the first $45,000 of appraised value. At Forsyth County's 2026 total of 1.143 per $100 in Winston-Salem, that is about $514 a year.

Do I need a down payment with a VA loan?

Not usually. The VA says no down payment is required as long as the sales price does not exceed the appraised value, though your lender still has to approve you.

Winston-Salem

What va / military looks like in Winston-Salem

A 330-acre Innovation Quarter built out of the old tobacco district, plus the 18th-century streets of Old Salem.

The Innovation Quarter turned the former R.J. Reynolds tobacco facilities into a 330-acre district with research facilities, startups, and restaurants, and Bailey Park, a 1.6-acre green space, is its social hub.

Old Salem Museums and Gardens preserves the Moravian town founded in 1766, and Reynolda is a 170-acre historic estate with 134 acres of public gardens.