Fremont FHA Loan Rates, Closing Costs & Stats
Fremont, NE
FHA loans are mortgages created in the 1930's to help insulate lenders from credit risks and help promote home ownership. The Federal Housing Administration (hence, FHA) allows for lower downpayments and credit scores-- making these loans much more accessible than traditional mortgages.
FHA loans typically need just a 3.5% downpayment with credit scores of 580 or better. For credit scores between 500-579, the downpayment needs to be at least 10%.
While FHA loans make home ownership much more accessible to first-time homebuyers, they do require PMI (purchase money insurance)-- an additional insurance premium that is paid to the FHA to help cover defaults.
For additional requirements as defined by the FHA, click here.
Fremont's 32 lenders originated 99 FHA loans during 2023. The total origination value was $19,455,000, with an average FHA loan value of $196,515.
Fremont FHA Loans, 30 Year Fixed Rates
30 Year FHA mortgages in Fremont
averaged
0.18%
for the week of 2024-11-29, compared to the national average (all FHA variants) of
0% for the same period.
Fremont's average FHA mortgage closing costs are $6,162.
The average rate for the prior week (2024-11-22) was
6.47% and
one month ago for the week of 2024-10-25, the
average rate was 6.45%.
The average rate one year ago was 7.24%.
For refis of the same type during the week of 2024-11-29, the average rate
was -0.1%.
Fremont FHA Loan Lenders by Rates & Fees
The below table looks at the average fees/closing costs and rates for FHA 30 Year Fixed Rate (purchase, first lien) mortgages originated by each lender at the Fremont level.
The top Fremont FHA lender as defined by loan originations is QUICKEN LOANS, LLC, with
15 FHA loans originated. Their average total fees are
$9,516, which is $754
higher than the next largest lender,
Regent Financial Group, Inc..
The lowest fee Fremont FHA lenders (with over 10 loans originated) are
Regent Financial Group, Inc. ($8,761), QUICKEN LOANS, LLC ($9,516), .
The lowest rate Fremont FHA lenders (with over 10 loans originated) are
QUICKEN LOANS, LLC (6.50%), Regent Financial Group, Inc. (6.74%), .
Fremont FHA Loan Limits
Metro | County | Year | Single Family Limit | 2 Family Limit | 3 Family Limit | 4 Family Limit |
---|---|---|---|---|---|---|
FREMONT, NE | DODGE | 2022 | $420,680 | $538,650 | $651,050 | $809,150 |
FREMONT, NE | DODGE | 2023 | $472,030 | $604,400 | $730,525 | $907,900 |
Market Conditions (Median, Average Prices & Listing Count)
Realtor.com - Fremont (CBSA) retrieved from FRED, Federal Reserve Bank of St. LouisDate | Median Listing Price (YoY Change) | Average Listing Price (YoY) | MSA/US Median Price Ratio | Active Listings |
---|---|---|---|---|
2018-01-01 | $180,325 (18.6%) | $234,075 (16.5%) | 0.00 | 50 |
2018-02-01 | $168,675 (8.0%) | $232,901 (7.2%) | 0.00 | 43 |
2018-03-01 | $178,500 (3.6%) | $243,945 (2.9%) | 0.00 | 40 |
2018-04-01 | $178,500 (10.4%) | $246,411 (3.5%) | 0.00 | 47 |
2018-05-01 | $226,288 (23.3%) | $265,834 (13.4%) | 0.00 | 52 |
2018-06-01 | $219,900 (26.6%) | $248,675 (9.5%) | 0.00 | 81 |
2018-07-01 | $206,905 (25.5%) | $249,993 (14.2%) | 0.00 | 98 |
2018-08-01 | $199,450 (7.9%) | $238,201 (2.4%) | 0.00 | 103 |
2018-09-01 | $199,450 (27.5%) | $240,851 (11.9%) | 0.00 | 104 |
2018-10-01 | $187,063 (22.1%) | $236,359 (11.5%) | 0.00 | 102 |
2018-11-01 | $177,250 (17.4%) | $227,731 (13.1%) | 0.00 | 105 |
2018-12-01 | $163,000 (-4.1%) | $205,339 (-6.3%) | 0.00 | 88 |
2019-01-01 | $164,725 (-8.7%) | $202,680 (-13.4%) | 0.00 | 80 |
2019-02-01 | $197,425 (17.0%) | $222,278 (-4.6%) | 0.00 | 65 |
2019-03-01 | $199,693 (11.9%) | $219,588 (-10.0%) | 0.00 | 64 |
2019-04-01 | $199,238 (11.6%) | $216,214 (-12.3%) | 0.00 | 65 |
2019-05-01 | $198,538 (-12.3%) | $219,662 (-17.4%) | 0.00 | 64 |
2019-06-01 | $214,375 (-2.5%) | $234,582 (-5.7%) | 0.00 | 63 |
2019-07-01 | $198,350 (-4.1%) | $222,946 (-10.8%) | 0.00 | 76 |
2019-08-01 | $190,455 (-4.5%) | $215,236 (-9.6%) | 0.00 | 87 |
2019-09-01 | $177,261 (-11.1%) | $201,863 (-16.2%) | 0.00 | 104 |
2019-10-01 | $169,916 (-9.2%) | $195,409 (-17.3%) | 0.00 | 112 |
2019-11-01 | $169,950 (-4.1%) | $199,439 (-12.4%) | 0.00 | 107 |
2019-12-01 | $162,381 (-0.4%) | $185,367 (-9.7%) | 0.00 | 96 |
2020-01-01 | $167,450 (1.7%) | $187,064 (-7.7%) | 0.00 | 93 |
2020-02-01 | $179,900 (-8.9%) | $187,979 (-15.4%) | 0.00 | 83 |
2020-03-01 | $189,900 (-4.9%) | $199,174 (-9.3%) | 0.00 | 82 |
2020-04-01 | $194,900 (-2.2%) | $223,106 (3.2%) | 0.00 | 81 |
2020-05-01 | $199,900 (0.7%) | $229,823 (4.6%) | 0.00 | 70 |
2020-06-01 | $199,900 (-6.8%) | $234,743 (0.1%) | 0.00 | 65 |
2020-07-01 | $201,925 (1.8%) | $238,668 (7.1%) | 0.00 | 61 |
2020-08-01 | $207,400 (8.9%) | $252,336 (17.2%) | 0.00 | 55 |
2020-09-01 | $194,175 (9.5%) | $270,759 (34.1%) | 0.00 | 60 |
2020-10-01 | $186,950 (10.0%) | $246,120 (26.0%) | 0.00 | 59 |
2020-11-01 | $183,175 (7.8%) | $227,744 (14.2%) | 0.00 | 53 |
2020-12-01 | $206,225 (27.0%) | $237,600 (28.2%) | 0.00 | 50 |
2021-01-01 | $252,450 (50.8%) | $271,087 (44.9%) | 0.00 | 41 |
2021-02-01 | $219,950 (22.3%) | $267,985 (42.6%) | 0.00 | 35 |
2021-03-01 | $252,463 (32.9%) | $281,902 (41.5%) | 0.00 | 39 |
2021-04-01 | $250,463 (28.5%) | $278,342 (24.8%) | 0.00 | 31 |
2021-05-01 | $235,610 (17.9%) | $276,382 (20.3%) | 0.00 | 43 |
2021-06-01 | $222,550 (11.3%) | $266,570 (13.6%) | 0.00 | 58 |
2021-07-01 | $237,500 (17.6%) | $297,123 (24.5%) | 0.00 | 48 |
2021-08-01 | $249,900 (20.5%) | $283,583 (12.4%) | 0.00 | 48 |
2021-09-01 | $250,500 (29.0%) | $269,137 (-0.6%) | 0.00 | 53 |
2021-10-01 | $249,500 (33.5%) | $257,864 (4.8%) | 0.00 | 55 |
2021-11-01 | $249,900 (36.4%) | $258,795 (13.6%) | 0.00 | 62 |
2021-12-01 | $234,000 (13.5%) | $241,843 (1.8%) | 0.00 | 51 |
2022-01-01 | $229,000 (-9.3%) | $235,901 (-13.0%) | 0.00 | 35 |
2022-02-01 | $229,000 (4.1%) | $224,493 (-16.2%) | 0.00 | 37 |
2022-03-01 | $235,750 (-6.6%) | $232,667 (-17.5%) | 0.00 | 38 |
2022-04-01 | $244,000 (-2.6%) | $260,342 (-6.5%) | 0.00 | 40 |
2022-05-01 | $245,500 (4.2%) | $278,655 (0.8%) | 0.00 | 54 |
2022-06-01 | $245,000 (10.1%) | $291,796 (9.5%) | 0.00 | 57 |
2022-07-01 | $245,000 (3.2%) | $301,446 (1.5%) | 0.00 | 70 |
2022-08-01 | $249,900 (0.0%) | $288,491 (1.7%) | 0.00 | 71 |
2022-09-01 | $249,450 (-0.4%) | $287,056 (6.7%) | 0.00 | 72 |
2022-10-01 | $249,900 (0.2%) | $293,013 (13.6%) | 0.00 | 80 |
2022-11-01 | $254,375 (1.8%) | $301,416 (16.5%) | 0.00 | 73 |
2022-12-01 | $254,500 (8.8%) | $310,186 (28.3%) | 0.00 | 68 |
2023-01-01 | $257,225 (12.3%) | $323,175 (37.0%) | 0.00 | 55 |
2023-02-01 | $264,475 (15.5%) | $329,367 (46.7%) | 0.00 | 47 |
2023-03-01 | $259,250 (10.0%) | $315,345 (35.5%) | 0.00 | 52 |
2023-04-01 | $285,000 (16.8%) | $317,313 (21.9%) | 0.00 | 54 |
2023-05-01 | $294,900 (20.1%) | $326,130 (17.0%) | 0.00 | 61 |
2023-06-01 | $293,675 (19.9%) | $329,601 (13.0%) | 0.00 | 70 |
2023-07-01 | $287,500 (17.4%) | $357,110 (18.5%) | 0.00 | 84 |
2023-08-01 | $286,425 (14.6%) | $335,254 (16.2%) | 0.00 | 84 |
2023-09-01 | $259,700 (4.1%) | $324,045 (12.9%) | 0.00 | 88 |
2023-10-01 | $268,425 (7.4%) | $330,991 (13.0%) | 0.00 | 97 |
2023-11-01 | $251,000 (-1.3%) | $316,901 (5.1%) | 0.00 | 108 |
2023-12-01 | $249,000 (-2.2%) | $310,343 (0.1%) | 0.00 | 100 |
2024-01-01 | $249,000 (-3.2%) | $307,808 (-4.8%) | 0.00 | 86 |
2024-02-01 | $255,750 (-3.3%) | $313,806 (-4.7%) | 0.00 | 80 |
2024-03-01 | $262,500 (1.3%) | $317,071 (0.6%) | 0.00 | 87 |
2024-04-01 | $261,825 (-8.1%) | $303,807 (-4.3%) | 0.00 | 86 |
2024-05-01 | $254,925 (-13.6%) | $301,427 (-7.6%) | 0.00 | 85 |
2024-06-01 | $250,000 (-14.9%) | $297,686 (-9.7%) | 0.00 | 91 |
2024-07-01 | $249,225 (-13.3%) | $285,597 (-20.0%) | 0.00 | 92 |
2024-08-01 | $245,450 (-14.3%) | $288,096 (-14.1%) | 0.00 | 95 |
2024-09-01 | $244,500 (-5.9%) | $301,166 (-7.1%) | 0.00 | 100 |
2024-10-01 | $241,500 (-10.0%) | $296,039 (-10.6%) | 0.00 | 105 |
Fremont's median listing price comes in at 0% of the national average.
Fremont's average listing price for 2024-10-01 was $296,039, a difference of $-34,952 (-10.6%) versus the prior year and $-5,127 versus the prior month.
For the 2024-10-01 period, Fremont had 105 MLS listings, a difference of 5 listings (5%) versus the prior month and 8 listings (8%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - Fremont (CBSA) retrieved from FRED, Federal Reserve Bank of St. LouisDate | Median Listing Time on Market | Median Square Footage |
---|---|---|
2018-01-01 | 0 days | 1,985 sqft |
2018-02-01 | 0 days | 1,890 sqft |
2018-03-01 | 0 days | 2,102 sqft |
2018-04-01 | 0 days | 2,054 sqft |
2018-05-01 | 0 days | 2,224 sqft |
2018-06-01 | 0 days | 2,104 sqft |
2018-07-01 | 0 days | 2,086 sqft |
2018-08-01 | 0 days | 2,045 sqft |
2018-09-01 | 0 days | 1,955 sqft |
2018-10-01 | 0 days | 1,973 sqft |
2018-11-01 | 0 days | 1,941 sqft |
2018-12-01 | 0 days | 1,853 sqft |
2019-01-01 | 0 days | 1,807 sqft |
2019-02-01 | 0 days | 1,881 sqft |
2019-03-01 | 0 days | 1,994 sqft |
2019-04-01 | 0 days | 2,120 sqft |
2019-05-01 | 0 days | 2,143 sqft |
2019-06-01 | 0 days | 2,212 sqft |
2019-07-01 | 0 days | 2,247 sqft |
2019-08-01 | 0 days | 2,130 sqft |
2019-09-01 | 0 days | 1,941 sqft |
2019-10-01 | 0 days | 1,837 sqft |
2019-11-01 | 0 days | 1,827 sqft |
2019-12-01 | 0 days | 1,724 sqft |
2020-01-01 | 0 days | 1,639 sqft |
2020-02-01 | 0 days | 1,628 sqft |
2020-03-01 | 0 days | 1,629 sqft |
2020-04-01 | 0 days | 1,689 sqft |
2020-05-01 | 0 days | 1,631 sqft |
2020-06-01 | 0 days | 1,672 sqft |
2020-07-01 | 0 days | 1,708 sqft |
2020-08-01 | 0 days | 1,710 sqft |
2020-09-01 | 0 days | 1,700 sqft |
2020-10-01 | 0 days | 1,660 sqft |
2020-11-01 | 0 days | 1,652 sqft |
2020-12-01 | 0 days | 1,692 sqft |
2021-01-01 | 0 days | 1,647 sqft |
2021-02-01 | 0 days | 1,631 sqft |
2021-03-01 | 0 days | 1,631 sqft |
2021-04-01 | 0 days | 1,622 sqft |
2021-05-01 | 0 days | 1,631 sqft |
2021-06-01 | 0 days | 1,631 sqft |
2021-07-01 | 0 days | 1,631 sqft |
2021-08-01 | 0 days | 1,611 sqft |
2021-09-01 | 0 days | 1,475 sqft |
2021-10-01 | 0 days | 1,470 sqft |
2021-11-01 | 0 days | 1,495 sqft |
2021-12-01 | 0 days | 1,470 sqft |
2022-01-01 | 0 days | 1,470 sqft |
2022-02-01 | 0 days | 1,470 sqft |
2022-03-01 | 0 days | 1,473 sqft |
2022-04-01 | 0 days | 1,477 sqft |
2022-05-01 | 0 days | 1,491 sqft |
2022-06-01 | 0 days | 1,596 sqft |
2022-07-01 | 0 days | 1,631 sqft |
2022-08-01 | 0 days | 1,546 sqft |
2022-09-01 | 0 days | 1,507 sqft |
2022-10-01 | 0 days | 1,617 sqft |
2022-11-01 | 0 days | 1,753 sqft |
2022-12-01 | 0 days | 1,864 sqft |
2023-01-01 | 0 days | 1,862 sqft |
2023-02-01 | 0 days | 1,624 sqft |
2023-03-01 | 0 days | 1,515 sqft |
2023-04-01 | 0 days | 1,498 sqft |
2023-05-01 | 0 days | 1,568 sqft |
2023-06-01 | 0 days | 1,620 sqft |
2023-07-01 | 0 days | 1,636 sqft |
2023-08-01 | 0 days | 1,644 sqft |
2023-09-01 | 0 days | 1,631 sqft |
2023-10-01 | 0 days | 1,644 sqft |
2023-11-01 | 0 days | 1,636 sqft |
2023-12-01 | 0 days | 1,646 sqft |
2024-01-01 | 0 days | 1,634 sqft |
2024-02-01 | 0 days | 1,632 sqft |
2024-03-01 | 0 days | 1,634 sqft |
2024-04-01 | 0 days | 1,636 sqft |
2024-05-01 | 0 days | 1,634 sqft |
2024-06-01 | 0 days | 1,631 sqft |
2024-07-01 | 0 days | 1,601 sqft |
2024-08-01 | 0 days | 1,631 sqft |
2024-09-01 | 0 days | 1,647 sqft |
2024-10-01 | 0 days | 1,673 sqft |
Fremont's median square footage for active listings during the 2024-10-01 period was 1,673 sqft. One year prior, the average listing was 1,644 sqft.