Athens VA Loan Rates, Closing Costs & Stats
ATHENS-CLARKE COUNTY, GA
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 55 lenders originated 215 VA loans during 2022. The total origination value was $69,565,000, with an average VA loan value of $323,558.
Athens VA Loans, 30 Year Fixed Rates
30 Year VA mortgages in Athens
averaged
-0.01%
for the week of 2023-11-24, compared to the national average (all VA variants) of
0% for the same period.
Athens's average VA mortgage closing costs are $5,619.
The average rate for the prior week (2023-11-17) was
7.04% and
one month ago for the week of 2023-10-20, the
average rate was 7.27%.
The average rate one year ago was 6.18%.
For refis of the same type during the week of 2023-11-24, the average rate
was -0.92%.
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.
The top Athens VA lender as defined by loan originations is Mortgage Research Center, LLC, with
30 VA loans originated. Their average total fees are
$6,483, which is $5,074
lower than the next largest lender,
QUICKEN LOANS, LLC.
The lowest fee Athens VA lenders (with over 10 loans originated) are
Mortgage Research Center, LLC ($6,483), GUARANTEED RATE, INC. ($7,531), UNITED WHOLESALE MORTGAGE, LLC ($8,969), QUICKEN LOANS, LLC ($11,556) and .
The lowest rate Athens VA lenders (with over 10 loans originated) are
UNITED WHOLESALE MORTGAGE, LLC (4.05%), QUICKEN LOANS, LLC (4.17%), GUARANTEED RATE, INC. (4.46%), Mortgage Research Center, LLC (5.11%) and .
Market Conditions (Median, Average Prices & Listing Count)
Realtor.com - Athens (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 | $270,425 (12.7%) | $319,503 (12.1%) | 1.00 | 587 |
2018-02-01 | $282,475 (11.3%) | $325,511 (11.2%) | 1.03 | 649 |
2018-03-01 | $286,950 (9.7%) | $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 (7.5%) | $351,501 (14.4%) | 0.98 | 723 |
2018-06-01 | $294,500 (6.3%) | $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 (0.3%) | $342,146 (9.0%) | 0.93 | 744 |
2018-09-01 | $276,000 (2.5%) | $338,037 (9.8%) | 0.93 | 775 |
2018-10-01 | $272,425 (0.9%) | $326,050 (4.3%) | 0.92 | 775 |
2018-11-01 | $266,000 (-1.4%) | $322,466 (3.3%) | 0.90 | 752 |
2018-12-01 | $272,948 (1.1%) | $327,118 (3.1%) | 0.94 | 700 |
2019-01-01 | $282,450 (4.5%) | $333,540 (4.4%) | 0.98 | 643 |
2019-02-01 | $289,900 (2.6%) | $348,048 (6.9%) | 0.98 | 696 |
2019-03-01 | $296,093 (3.2%) | $354,919 (7.0%) | 0.97 | 688 |
2019-04-01 | $308,475 (5.0%) | $371,683 (6.3%) | 0.98 | 667 |
2019-05-01 | $315,825 (7.1%) | $376,832 (7.2%) | 0.99 | 655 |
2019-06-01 | $309,900 (5.2%) | $373,629 (5.5%) | 0.97 | 668 |
2019-07-01 | $298,625 (4.8%) | $368,369 (5.5%) | 0.93 | 670 |
2019-08-01 | $295,909 (7.0%) | $363,801 (6.3%) | 0.94 | 649 |
2019-09-01 | $292,023 (5.8%) | $360,676 (6.7%) | 0.93 | 635 |
2019-10-01 | $291,182 (6.9%) | $361,440 (10.9%) | 0.94 | 618 |
2019-11-01 | $298,154 (12.1%) | $377,867 (17.2%) | 0.98 | 576 |
2019-12-01 | $288,625 (5.7%) | $375,314 (14.7%) | 0.96 | 558 |
2020-01-01 | $287,000 (1.6%) | $380,924 (14.2%) | 0.96 | 506 |
2020-02-01 | $309,700 (6.8%) | $396,242 (13.9%) | 1.02 | 509 |
2020-03-01 | $314,123 (6.1%) | $406,081 (14.4%) | 0.98 | 536 |
2020-04-01 | $319,375 (3.5%) | $401,954 (8.1%) | 1.00 | 555 |
2020-05-01 | $324,000 (2.6%) | $407,164 (8.1%) | 0.98 | 536 |
2020-06-01 | $327,575 (5.7%) | $415,880 (11.3%) | 0.97 | 498 |
2020-07-01 | $314,450 (5.3%) | $403,842 (9.6%) | 0.91 | 505 |
2020-08-01 | $299,900 (1.4%) | $400,122 (10.0%) | 0.86 | 498 |
2020-09-01 | $309,950 (6.1%) | $398,206 (10.4%) | 0.89 | 441 |
2020-10-01 | $314,995 (8.2%) | $407,331 (12.7%) | 0.90 | 393 |
2020-11-01 | $319,500 (7.2%) | $410,946 (8.8%) | 0.93 | 360 |
2020-12-01 | $322,450 (11.7%) | $427,723 (14.0%) | 0.96 | 324 |
2021-01-01 | $324,240 (13.0%) | $432,554 (13.6%) | 0.97 | 281 |
2021-02-01 | $344,829 (11.3%) | $451,189 (13.9%) | 1.00 | 250 |
2021-03-01 | $366,750 (16.8%) | $449,826 (10.8%) | 1.04 | 232 |
2021-04-01 | $371,700 (16.4%) | $453,729 (12.9%) | 1.01 | 243 |
2021-05-01 | $369,450 (14.0%) | $469,137 (15.2%) | 0.98 | 245 |
2021-06-01 | $359,975 (9.9%) | $474,711 (14.2%) | 0.95 | 296 |
2021-07-01 | $368,750 (17.3%) | $474,014 (17.4%) | 0.97 | 347 |
2021-08-01 | $349,900 (16.7%) | $448,667 (12.1%) | 0.93 | 339 |
2021-09-01 | $349,900 (12.9%) | $448,735 (12.7%) | 0.93 | 329 |
2021-10-01 | $339,900 (7.9%) | $450,094 (10.5%) | 0.91 | 308 |
2021-11-01 | $349,000 (9.2%) | $481,441 (17.2%) | 0.93 | 257 |
2021-12-01 | $350,000 (8.5%) | $495,732 (15.9%) | 0.95 | 207 |
2022-01-01 | $365,000 (12.6%) | $518,308 (19.8%) | 0.99 | 178 |
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 | $384,900 (3.6%) | $511,014 (12.6%) | 0.92 | 214 |
2022-05-01 | $359,950 (-2.6%) | $508,311 (8.4%) | 0.82 | 253 |
2022-06-01 | $359,975 (0.0%) | $512,178 (7.9%) | 0.80 | 306 |
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 (13.0%) | 0.90 | 448 |
2022-10-01 | $392,500 (15.5%) | $525,320 (16.7%) | 0.92 | 430 |
2022-11-01 | $393,175 (12.7%) | $533,482 (10.8%) | 0.95 | 414 |
2022-12-01 | $399,999 (14.3%) | $537,623 (8.5%) | 0.99 | 408 |
2023-01-01 | $413,450 (13.3%) | $551,266 (6.4%) | 1.03 | 358 |
2023-02-01 | $399,925 (6.7%) | $541,381 (8.4%) | 0.97 | 360 |
2023-03-01 | $398,350 (1.0%) | $546,712 (6.5%) | 0.94 | 356 |
2023-04-01 | $399,900 (3.9%) | $535,028 (4.7%) | 0.93 | 353 |
2023-05-01 | $406,448 (12.9%) | $542,364 (6.7%) | 0.92 | 369 |
2023-06-01 | $423,368 (17.6%) | $556,563 (8.7%) | 0.95 | 436 |
2023-07-01 | $423,283 (10.3%) | $574,540 (14.6%) | 0.96 | 409 |
2023-08-01 | $435,440 (14.3%) | $587,658 (16.0%) | 1.00 | 411 |
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 |
Athens's median listing price comes in at 108% of the national average.
Athens's average listing price for 2023-10-01 was $573,288, a difference of $47,968 (9.1%) versus the prior year and $-11,724 versus the prior month.
For the 2023-10-01 period, Athens had 440 MLS listings, a difference of 1 listings (0%) versus the prior month and 10 listings (2%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - Athens (CBSA) retrieved from FRED, Federal Reserve Bank of St. LouisDate | 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 | 2,444 sqft |
2018-04-01 | 52 days | 2,455 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 | 2,315 sqft |
2018-09-01 | 64 days | 2,300 sqft |
2018-10-01 | 74 days | 2,267 sqft |
2018-11-01 | 79 days | 2,242 sqft |
2018-12-01 | 88 days | 2,280 sqft |
2019-01-01 | 93 days | 2,328 sqft |
2019-02-01 | 70 days | 2,395 sqft |
2019-03-01 | 59 days | 2,464 sqft |
2019-04-01 | 61 days | 2,578 sqft |
2019-05-01 | 58 days | 2,566 sqft |
2019-06-01 | 59 days | 2,574 sqft |
2019-07-01 | 63 days | 2,535 sqft |
2019-08-01 | 66 days | 2,499 sqft |
2019-09-01 | 69 days | 2,477 sqft |
2019-10-01 | 72 days | 2,462 sqft |
2019-11-01 | 75 days | 2,446 sqft |
2019-12-01 | 90 days | 2,410 sqft |
2020-01-01 | 84 days | 2,409 sqft |
2020-02-01 | 54 days | 2,464 sqft |
2020-03-01 | 54 days | 2,462 sqft |
2020-04-01 | 60 days | 2,385 sqft |
2020-05-01 | 66 days | 2,405 sqft |
2020-06-01 | 63 days | 2,398 sqft |
2020-07-01 | 51 days | 2,373 sqft |
2020-08-01 | 50 days | 2,300 sqft |
2020-09-01 | 56 days | 2,262 sqft |
2020-10-01 | 61 days | 2,220 sqft |
2020-11-01 | 62 days | 2,217 sqft |
2020-12-01 | 67 days | 2,198 sqft |
2021-01-01 | 64 days | 2,189 sqft |
2021-02-01 | 59 days | 2,223 sqft |
2021-03-01 | 43 days | 2,248 sqft |
2021-04-01 | 32 days | 2,216 sqft |
2021-05-01 | 36 days | 2,099 sqft |
2021-06-01 | 35 days | 2,091 sqft |
2021-07-01 | 37 days | 2,052 sqft |
2021-08-01 | 41 days | 1,949 sqft |
2021-09-01 | 46 days | 2,019 sqft |
2021-10-01 | 53 days | 1,938 sqft |
2021-11-01 | 55 days | 2,076 sqft |
2021-12-01 | 59 days | 1,953 sqft |
2022-01-01 | 43 days | 2,150 sqft |
2022-02-01 | 35 days | 2,109 sqft |
2022-03-01 | 32 days | 2,124 sqft |
2022-04-01 | 28 days | 2,108 sqft |
2022-05-01 | 29 days | 2,119 sqft |
2022-06-01 | 30 days | 2,143 sqft |
2022-07-01 | 32 days | 2,200 sqft |
2022-08-01 | 45 days | 2,112 sqft |
2022-09-01 | 52 days | 2,181 sqft |
2022-10-01 | 55 days | 2,218 sqft |
2022-11-01 | 65 days | 2,200 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 | 2,245 sqft |
2023-04-01 | 40 days | 2,238 sqft |
2023-05-01 | 41 days | 2,240 sqft |
2023-06-01 | 37 days | 2,310 sqft |
2023-07-01 | 50 days | 2,314 sqft |
2023-08-01 | 53 days | 2,331 sqft |
2023-09-01 | 57 days | 2,338 sqft |
2023-10-01 | 61 days | 2,360 sqft |
Athens's median square footage for active listings during the 2023-10-01 period was 2,360 sqft. One year prior, the average listing was 2,218 sqft.