Athens VA Loan Rates, Closing Costs & Stats

ATHENS-CLARKE COUNTY, GA

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    • A VA loan is a mortgage loan that’s backed by the Department of Veterans Affairs (VA) for those who have served or are presently serving in the U.S. military. The VA does not directly lend, it guarantees the loans made by private lenders to veterans, active military personnel, and qualifying military spouses.

    The most obvious benefit of VA loans is that no downpayment is necessary to purchase a home. They will also typically have significantly lower fees-- meaning that if you're eligible to receive a VA loan, it will likely be the most favorable option. VA loans come in 3 varities: purchase, refinance and cash out refis.

    For additional benefits of VA loans, click here.

    Athens's 57 lenders originated 193 VA loans during 2024. The total origination value was $69,735,000, with an average VA loan value of $361,321.

    Athens VA Loans, 30 Year Fixed Rates

    30 Year VA mortgages in Athens averaged 6.76% for the week of 2025-05-23, compared to the national average (all VA variants) of 6.52% for the same period.

    Athens's average VA mortgage closing costs are $6,371.

    The average rate for the prior week (2025-05-16) was 6.65% and one month ago for the week of 2025-04-18, the average rate was 6.72%.

    The average rate one year ago was 7.04%.

    For refis of the same type during the week of 2025-05-23, the average rate was 7.09%.

    Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations.

    Athens VA Loan Lenders by Rates & Fees

    The below table looks at the average fees/closing costs and rates for VA 30 Year Fixed Rate (purchase, first lien) mortgages originated by each lender at the Athens level.

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    UNITED WHOLESALE MORTGAGE, LLC 25 5.95% $13,918
    Mortgage Research Center, LLC 23 6.48% $6,499
    QUICKEN LOANS, LLC 16 5.92% $14,232
    FREEDOM MORTGAGE CORPORATION 11 6.20% $6,601
    NEW DAY FINANCIAL, LLC 9 7.35% $11,383
    USAA Federal Savings Bank 7 6.50% $7,348
    GUARANTEED RATE, INC. 6 6.32% $4,047
    Ameris Bank 5 6.38% $5,172
    Regions Bank 5 5.98% $12,371
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 5 6.33% $11,670
    VILLAGE CAPITAL MORTGAGE 4 6.13% $10,290
    AMERICAN PACIFIC MORTGAGE CORPORATION 4 6.41% $11,855
    NAVY FEDERAL CREDIT UNION 4 5.69% $4,593
    MOVEMENT MORTGAGE, LLC 3 5.83% $10,000
    PENNYMAC LOAN SERVICES, LLC 3 5.91% $5,442
    GUILD MORTGAGE COMPANY 3 6.41% $6,304
    GENEVA FINANCIAL, LLC 3 6.83% $12,987
    The Federal Savings Bank 2 5.69% $17,424
    BANKSOUTH MORTGAGE COMPANY, LLC 2 6.25% $10,989
    CROSSCOUNTRY MORTGAGE, LLC 2 5.72% $3,497
    EVERETT FINANCIAL, INC. 2 7.00% $8,056
    HOMEOWNERS FINANCIAL GROUP USA, LLC 2 5.88% $5,006
    LOANDEPOT.COM, LLC 2 5.50% $6,493
    Magnolia Bank 2 6.63% $6,855
    Mr. Cooper ( Nationstar Mortgage ) 2 6.88% $13,473
    Nations Lending Corporation 2 6.69% $15,518
    NEWREZ LLC 2 6.50% $10,402
    Paramount Residential Mortgage Group, Inc. 2 6.69% $16,374
    PLANET HOME LENDING, LLC 2 6.37% $9,624
    U.S. Bank 2 6.75% $8,462
    United Community Bank 1 5.50% $10,996
    MUTUAL OF OMAHA MORTGAGE, INC. 1 6.25% $3,935
    AUGUSTA MORTGAGE CO. 1 7.13% $12,808
    DHI MORTGAGE COMPANY, LTD. 1 6.13% $8,099
    NBKC BANK 1 5.88% $4,519
    Cornerstone First Mortgage, Inc 1 6.75% $10,754
    Armed Forces Bank 1 5.88% $11,084
    NFM, INC. 1 6.88% $6,825
    AmeriHome Mortgage Company, LLC 1 6.13% $1,983
    Colony Bank 1 6.13% $7,820
    PENTAGON FEDERAL CREDIT UNION 1 6.25% $20,202
    Plains Commerce Bank 1 6.00% $12,912
    VANDERBILT MORTGAGE AND FINANCE, INC. 1 5.75% $650
    Prosperity Home Mortgage, LLC 1 5.75% $12,442
    CMG MORTGAGE, INC. 1 5.63% $15,360
    Carrington Mortgage Services, LLC 1 5.25% $7,051
    Sierra Pacific Mortgage Company, Inc. 1 7.25% $8,626
    SOUTHEAST MORTGAGE OF GEORGIA, INC. 1 7.25% $9,958
    Flagstar Bank, FSB 1 6.38% $5,571
    SUN WEST MORTGAGE COMPANY, INC. 1 6.25% $7,479
    INB 1 6.25% $3,250
    Lakeview Community Capital, LLC 1 5.63% $4,500
    LAKEVIEW LOAN SERVICING, LLC 1 4.99% $8,001
    CANOPY MORTGAGE, LLC 1 5.63% $19,655
    THE MORTGAGE FIRM, INC. 1 7.25% $9,375
    First Option Mortgage, LLC 1 6.25% $5,988
    Equity Prime Mortgage LLC 1 6.50% $14,109

    The top Athens VA lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with 25 VA loans originated. Their average total fees are $13,918, which is $7,420 higher than the next largest lender, Mortgage Research Center, LLC.

    The lowest fee Athens VA lenders (with over 10 loans originated) are Mortgage Research Center, LLC ($6,499), FREEDOM MORTGAGE CORPORATION ($6,601), UNITED WHOLESALE MORTGAGE, LLC ($13,918), QUICKEN LOANS, LLC ($14,232) and .

    The lowest rate Athens VA lenders (with over 10 loans originated) are QUICKEN LOANS, LLC (5.92%), UNITED WHOLESALE MORTGAGE, LLC (5.95%), FREEDOM MORTGAGE CORPORATION (6.20%), Mortgage Research Center, LLC (6.48%) and .

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Athens (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Price (YoY Change) Average Listing Price (YoY) MSA/US Median Price Ratio Active Listings
    2018-01-01 $270,425 (12.8%) $319,503 (12.1%) 1.00 587
    2018-02-01 $282,475 (11.3%) $325,511 (11.1%) 1.03 649
    2018-03-01 $286,950 (9.8%) $331,594 (12.9%) 1.01 693
    2018-04-01 $293,925 (13.1%) $349,659 (15.6%) 1.00 712
    2018-05-01 $294,850 (7.7%) $351,501 (14.4%) 0.98 723
    2018-06-01 $294,500 (6.4%) $354,021 (15.7%) 0.98 735
    2018-07-01 $284,925 (2.3%) $349,018 (11.9%) 0.95 742
    2018-08-01 $276,500 (0.6%) $342,146 (9.0%) 0.93 744
    2018-09-01 $275,500 (2.3%) $338,037 (9.8%) 0.93 775
    2018-10-01 $270,368 (0.2%) $325,702 (4.2%) 0.92 773
    2018-11-01 $264,975 (-1.8%) $322,156 (3.3%) 0.90 750
    2018-12-01 $269,900 (0.0%) $326,773 (3.0%) 0.93 698
    2019-01-01 $280,480 (3.7%) $333,195 (4.3%) 0.97 641
    2019-02-01 $289,900 (2.6%) $347,888 (6.9%) 0.98 693
    2019-03-01 $295,814 (3.1%) $354,862 (7.0%) 0.97 684
    2019-04-01 $308,450 (4.9%) $371,519 (6.3%) 0.98 664
    2019-05-01 $315,200 (6.9%) $376,581 (7.1%) 0.99 653
    2019-06-01 $309,450 (5.1%) $373,480 (5.5%) 0.97 667
    2019-07-01 $298,500 (4.8%) $368,217 (5.5%) 0.93 669
    2019-08-01 $295,909 (7.0%) $363,730 (6.3%) 0.94 649
    2019-09-01 $292,023 (6.0%) $360,741 (6.7%) 0.93 635
    2019-10-01 $291,182 (7.7%) $361,510 (11.0%) 0.94 618
    2019-11-01 $298,154 (12.5%) $377,867 (17.3%) 0.98 576
    2019-12-01 $288,875 (7.0%) $375,713 (15.0%) 0.96 558
    2020-01-01 $287,000 (2.3%) $381,826 (14.6%) 0.96 506
    2020-02-01 $309,950 (6.9%) $397,176 (14.2%) 1.01 509
    2020-03-01 $314,871 (6.4%) $406,368 (14.5%) 0.99 537
    2020-04-01 $320,115 (3.8%) $402,254 (8.3%) 1.00 556
    2020-05-01 $324,500 (3.0%) $407,465 (8.2%) 0.99 537
    2020-06-01 $327,900 (6.0%) $416,180 (11.4%) 0.97 499
    2020-07-01 $314,675 (5.4%) $404,156 (9.8%) 0.91 506
    2020-08-01 $299,950 (1.4%) $400,447 (10.1%) 0.86 499
    2020-09-01 $312,750 (7.1%) $399,032 (10.6%) 0.90 443
    2020-10-01 $315,490 (8.4%) $408,710 (13.1%) 0.90 397
    2020-11-01 $320,763 (7.6%) $412,131 (9.1%) 0.94 363
    2020-12-01 $322,663 (11.7%) $428,632 (14.1%) 0.96 326
    2021-01-01 $325,000 (13.2%) $432,831 (13.4%) 0.97 283
    2021-02-01 $344,829 (11.3%) $451,189 (13.6%) 1.00 250
    2021-03-01 $366,750 (16.5%) $449,826 (10.7%) 1.04 232
    2021-04-01 $371,700 (16.1%) $453,729 (12.8%) 1.01 243
    2021-05-01 $369,450 (13.9%) $469,137 (15.1%) 0.98 245
    2021-06-01 $359,975 (9.8%) $474,711 (14.1%) 0.95 296
    2021-07-01 $368,750 (17.2%) $474,014 (17.3%) 0.97 347
    2021-08-01 $349,900 (16.7%) $448,667 (12.0%) 0.93 339
    2021-09-01 $349,900 (11.9%) $447,954 (12.3%) 0.93 329
    2021-10-01 $339,850 (7.7%) $449,279 (9.9%) 0.91 309
    2021-11-01 $348,000 (8.5%) $478,984 (16.2%) 0.93 257
    2021-12-01 $349,450 (8.3%) $492,700 (15.0%) 0.95 207
    2022-01-01 $362,450 (11.5%) $516,679 (19.4%) 0.98 177
    2022-02-01 $374,975 (8.7%) $499,372 (10.7%) 0.98 184
    2022-03-01 $394,250 (7.5%) $513,171 (14.1%) 0.99 186
    2022-04-01 $382,450 (2.9%) $511,244 (12.7%) 0.91 214
    2022-05-01 $359,925 (-2.6%) $508,516 (8.4%) 0.82 252
    2022-06-01 $359,950 (0.0%) $512,289 (7.9%) 0.80 305
    2022-07-01 $383,900 (4.1%) $501,358 (5.8%) 0.86 404
    2022-08-01 $380,925 (8.9%) $506,538 (12.9%) 0.88 440
    2022-09-01 $385,800 (10.3%) $507,161 (13.2%) 0.90 448
    2022-10-01 $392,500 (15.5%) $525,320 (16.9%) 0.92 431
    2022-11-01 $393,175 (13.0%) $533,482 (11.4%) 0.95 414
    2022-12-01 $399,999 (14.5%) $537,623 (9.1%) 0.99 407
    2023-01-01 $413,450 (14.1%) $551,266 (6.7%) 1.02 358
    2023-02-01 $399,925 (6.7%) $541,381 (8.4%) 0.97 360
    2023-03-01 $399,800 (1.4%) $547,367 (6.7%) 0.94 354
    2023-04-01 $399,900 (4.6%) $535,713 (4.8%) 0.93 346
    2023-05-01 $406,950 (13.1%) $543,849 (7.0%) 0.92 364
    2023-06-01 $423,500 (17.7%) $556,856 (8.7%) 0.95 433
    2023-07-01 $417,450 (8.7%) $574,548 (14.6%) 0.95 408
    2023-08-01 $437,445 (14.8%) $588,386 (16.2%) 1.00 410
    2023-09-01 $449,900 (16.6%) $585,012 (15.4%) 1.05 439
    2023-10-01 $461,000 (17.5%) $573,288 (9.1%) 1.08 440
    2023-11-01 $431,667 (9.8%) $562,076 (5.4%) 1.03 454
    2023-12-01 $467,000 (16.8%) $571,371 (6.3%) 1.14 435
    2024-01-01 $441,750 (6.8%) $543,134 (-1.5%) 1.08 428
    2024-02-01 $448,750 (12.2%) $548,985 (1.4%) 1.08 419
    2024-03-01 $475,000 (18.8%) $568,783 (3.9%) 1.12 467
    2024-04-01 $480,000 (20.0%) $598,261 (11.7%) 1.12 483
    2024-05-01 $492,000 (20.9%) $617,371 (13.5%) 1.12 486
    2024-06-01 $475,000 (12.2%) $612,392 (10.0%) 1.08 519
    2024-07-01 $459,000 (10.0%) $603,132 (5.0%) 1.05 594
    2024-08-01 $429,000 (-1.9%) $585,910 (-0.4%) 1.00 609
    2024-09-01 $429,975 (-4.4%) $590,868 (1.0%) 1.01 621
    2024-10-01 $449,750 (-2.4%) $591,196 (3.1%) 1.06 641
    2024-11-01 $450,000 (4.3%) $590,178 (5.0%) 1.08 616
    2024-12-01 $454,000 (-2.8%) $591,955 (3.6%) 1.13 556
    2025-01-01 $458,488 (3.8%) $594,572 (9.5%) 1.14 530
    2025-02-01 $462,000 (3.0%) $587,118 (7.0%) 1.12 536
    2025-03-01 $480,450 (1.2%) $600,393 (5.6%) 1.13 585
    2025-04-01 $485,175 (1.1%) $622,121 (4.0%) 1.13 670
    Athens's median listing price for 2025-04-01 was $485,175, a difference of $5,175 (1.1%) versus the prior year and $4,725 versus the prior month.

    Athens's median listing price comes in at 113% of the national average.

    Athens's average listing price for 2025-04-01 was $622,121, a difference of $23,860 (4.0%) versus the prior year and $21,728 versus the prior month.

    For the 2025-04-01 period, Athens had 670 MLS listings, a difference of 85 listings (15%) versus the prior month and 187 listings (39%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Athens (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 90 days 2,392 sqft
    2018-02-01 60 days 2,474 sqft
    2018-03-01 40 days 2,450 sqft
    2018-04-01 52 days 2,454 sqft
    2018-05-01 54 days 2,410 sqft
    2018-06-01 53 days 2,400 sqft
    2018-07-01 59 days 2,378 sqft
    2018-08-01 63 days 2,326 sqft
    2018-09-01 64 days 2,300 sqft
    2018-10-01 74 days 2,278 sqft
    2018-11-01 79 days 2,244 sqft
    2018-12-01 88 days 2,280 sqft
    2019-01-01 93 days 2,332 sqft
    2019-02-01 70 days 2,394 sqft
    2019-03-01 59 days 2,468 sqft
    2019-04-01 61 days 2,583 sqft
    2019-05-01 58 days 2,568 sqft
    2019-06-01 59 days 2,572 sqft
    2019-07-01 63 days 2,551 sqft
    2019-08-01 66 days 2,500 sqft
    2019-09-01 70 days 2,477 sqft
    2019-10-01 72 days 2,459 sqft
    2019-11-01 75 days 2,424 sqft
    2019-12-01 90 days 2,408 sqft
    2020-01-01 84 days 2,411 sqft
    2020-02-01 54 days 2,474 sqft
    2020-03-01 54 days 2,461 sqft
    2020-04-01 60 days 2,393 sqft
    2020-05-01 66 days 2,405 sqft
    2020-06-01 63 days 2,396 sqft
    2020-07-01 51 days 2,376 sqft
    2020-08-01 50 days 2,298 sqft
    2020-09-01 56 days 2,273 sqft
    2020-10-01 61 days 2,220 sqft
    2020-11-01 62 days 2,228 sqft
    2020-12-01 68 days 2,216 sqft
    2021-01-01 64 days 2,200 sqft
    2021-02-01 59 days 2,219 sqft
    2021-03-01 43 days 2,249 sqft
    2021-04-01 32 days 2,245 sqft
    2021-05-01 36 days 2,114 sqft
    2021-06-01 35 days 2,110 sqft
    2021-07-01 37 days 2,064 sqft
    2021-08-01 41 days 1,965 sqft
    2021-09-01 46 days 2,022 sqft
    2021-10-01 53 days 1,939 sqft
    2021-11-01 55 days 2,081 sqft
    2021-12-01 59 days 1,971 sqft
    2022-01-01 43 days 2,150 sqft
    2022-02-01 35 days 2,112 sqft
    2022-03-01 32 days 2,123 sqft
    2022-04-01 28 days 2,100 sqft
    2022-05-01 29 days 2,121 sqft
    2022-06-01 29 days 2,132 sqft
    2022-07-01 32 days 2,200 sqft
    2022-08-01 45 days 2,095 sqft
    2022-09-01 52 days 2,177 sqft
    2022-10-01 55 days 2,221 sqft
    2022-11-01 65 days 2,205 sqft
    2022-12-01 78 days 2,218 sqft
    2023-01-01 77 days 2,250 sqft
    2023-02-01 70 days 2,250 sqft
    2023-03-01 53 days 2,239 sqft
    2023-04-01 40 days 2,227 sqft
    2023-05-01 41 days 2,236 sqft
    2023-06-01 37 days 2,306 sqft
    2023-07-01 50 days 2,306 sqft
    2023-08-01 53 days 2,322 sqft
    2023-09-01 57 days 2,341 sqft
    2023-10-01 61 days 2,360 sqft
    2023-11-01 59 days 2,273 sqft
    2023-12-01 59 days 2,291 sqft
    2024-01-01 60 days 2,272 sqft
    2024-02-01 57 days 2,269 sqft
    2024-03-01 52 days 2,362 sqft
    2024-04-01 52 days 2,320 sqft
    2024-05-01 48 days 2,250 sqft
    2024-06-01 52 days 2,250 sqft
    2024-07-01 49 days 2,217 sqft
    2024-08-01 58 days 2,204 sqft
    2024-09-01 60 days 2,222 sqft
    2024-10-01 61 days 2,232 sqft
    2024-11-01 69 days 2,216 sqft
    2024-12-01 77 days 2,170 sqft
    2025-01-01 80 days 2,170 sqft
    2025-02-01 70 days 2,170 sqft
    2025-03-01 55 days 2,170 sqft
    2025-04-01 51 days 2,170 sqft
    Athens's median listing age (time on market) for 2025-04-01 was 51 days. This is -2% shorter than the same period one year ago.

    Athens's median square footage for active listings during the 2025-04-01 period was 2,170 sqft. One year prior, the average listing was 2,320 sqft.

    VA Loan Features

  • No down payment required
  • Negotiable and competitive interest rate.
  • Ability to finance the VA funding fee (plus reduced funding fees with a down payment of at least 5 percent and exemption for veterans receiving VA compensation).
  • VA rules limit the amount you can be charged for closing costs.
  • Closing costs are comparable with other financing types (and may be lower).
  • Closing costs may be paid by the seller.
  • No private mortgage insurance premiums are required.
  • An assumable mortgage.
  • Right to prepay your mortgage without penalty.
  • For homes inspected by VA during construction, a warranty from builder and assistance from VA to obtain cooperation of builder.
  • VA assistance to veteran borrowers in default due to temporary financial difficulty.