Bainbridge VA Loan Rates, Closing Costs & Stats

Bainbridge, 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.

    Bainbridge's 20 lenders originated 39 VA loans during 2024. The total origination value was $10,115,000, with an average VA loan value of $259,359.

    Bainbridge VA Loans, 30 Year Fixed Rates

    30 Year VA mortgages in Bainbridge averaged 6.36% for the week of 2025-04-04, compared to the national average (all VA variants) of 6.06% for the same period.

    Bainbridge's average VA mortgage closing costs are $4,983.

    The average rate for the prior week (2025-03-28) was 6.28% and one month ago for the week of 2025-02-28, the average rate was 6.16%.

    The average rate one year ago was 6.77%.

    For refis of the same type during the week of 2025-04-04, the average rate was 6.16%.

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

    Bainbridge 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 Bainbridge level.

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    FREEDOM MORTGAGE CORPORATION 5 6.08% $5,367
    AMERICAN PACIFIC MORTGAGE CORPORATION 4 6.53% $4,357
    Mortgage Research Center, LLC 4 6.69% $1,250
    Flagstar Bank, FSB 3 6.67% $2,558
    QUICKEN LOANS, LLC 3 6.16% $12,918
    TOWNE MORTGAGE COMPANY 2 5.81% $8,164
    DHI MORTGAGE COMPANY, LTD. 2 5.50% $1,556
    NEWREZ LLC 2 5.43% $8,950
    PLANET HOME LENDING, LLC 1 5.50% $1,007
    UNITED WHOLESALE MORTGAGE, LLC 1 6.75% $10,499
    USAA Federal Savings Bank 1 5.63% $3,930
    AMERICAN FINANCING CORPORATION 1 6.00% $6,014
    VANDERBILT MORTGAGE AND FINANCE, INC. 1 5.75% $3,206
    Ameris Bank 1 6.25% $3,459
    HOMEBRIDGE FINANCIAL SERVICES, INC. 1 5.75% $13,635
    LOANDEPOT.COM, LLC 1 6.13% $8,461
    Mr. Cooper ( Nationstar Mortgage ) 1 6.75% $5,067
    NAVY FEDERAL CREDIT UNION 1 6.13% $18,891
    NEW DAY FINANCIAL, LLC 1 6.75% $1,841
    PENNYMAC LOAN SERVICES, LLC 1 5.49% $10,389

    The top Bainbridge VA lender as defined by loan originations is FREEDOM MORTGAGE CORPORATION, with 5 VA loans originated. Their average total fees are $5,367, which is $1,010 higher than the next largest lender, AMERICAN PACIFIC MORTGAGE CORPORATION.

    The lowest fee Bainbridge VA lenders (with over 10 loans originated) are .

    The lowest rate Bainbridge VA lenders (with over 10 loans originated) are .

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Bainbridge (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 $162,950 (12.0%) $187,450 (6.9%) 0.00 103
    2018-02-01 $159,100 (8.8%) $177,249 (4.0%) 0.00 101
    2018-03-01 $154,900 (8.1%) $173,369 (11.8%) 0.00 105
    2018-04-01 $159,250 (10.9%) $186,596 (18.6%) 0.00 109
    2018-05-01 $162,450 (16.1%) $191,367 (17.8%) 0.00 111
    2018-06-01 $165,000 (14.8%) $192,523 (15.6%) 0.00 111
    2018-07-01 $165,000 (14.2%) $207,780 (23.4%) 0.00 114
    2018-08-01 $166,075 (14.5%) $205,578 (23.9%) 0.00 114
    2018-09-01 $169,900 (16.4%) $214,567 (24.5%) 0.00 113
    2018-10-01 $161,500 (7.7%) $209,263 (19.1%) 0.00 120
    2018-11-01 $165,000 (4.4%) $219,265 (20.2%) 0.00 101
    2018-12-01 $174,900 (7.0%) $224,511 (17.5%) 0.00 96
    2019-01-01 $174,375 (7.0%) $224,773 (19.9%) 0.00 79
    2019-02-01 $172,275 (8.3%) $229,307 (29.4%) 0.00 72
    2019-03-01 $172,100 (11.1%) $229,194 (32.2%) 0.00 66
    2019-04-01 $176,175 (10.6%) $232,113 (24.4%) 0.00 65
    2019-05-01 $180,550 (11.1%) $249,853 (30.6%) 0.00 58
    2019-06-01 $174,900 (6.0%) $239,124 (24.2%) 0.00 57
    2019-07-01 $174,900 (6.0%) $226,105 (8.8%) 0.00 66
    2019-08-01 $176,973 (6.6%) $231,391 (12.6%) 0.00 66
    2019-09-01 $180,082 (6.0%) $238,038 (10.9%) 0.00 64
    2019-10-01 $182,155 (12.8%) $241,421 (15.4%) 0.00 65
    2019-11-01 $181,250 (9.9%) $241,573 (10.2%) 0.00 64
    2019-12-01 $186,550 (6.7%) $244,071 (8.7%) 0.00 66
    2020-01-01 $199,900 (14.6%) $266,658 (18.6%) 0.00 79
    2020-02-01 $218,000 (26.5%) $258,879 (12.9%) 0.00 64
    2020-03-01 $188,425 (9.5%) $221,798 (-3.2%) 0.00 69
    2020-04-01 $178,675 (1.4%) $208,673 (-10.1%) 0.00 71
    2020-05-01 $191,700 (6.2%) $218,308 (-12.6%) 0.00 61
    2020-06-01 $189,200 (8.2%) $212,149 (-11.3%) 0.00 59
    2020-07-01 $183,650 (5.0%) $207,052 (-8.4%) 0.00 53
    2020-08-01 $214,950 (21.5%) $240,283 (3.8%) 0.00 44
    2020-09-01 $222,225 (23.4%) $247,433 (4.0%) 0.00 47
    2020-10-01 $235,000 (29.0%) $266,267 (10.3%) 0.00 53
    2020-11-01 $234,450 (29.4%) $275,893 (14.2%) 0.00 51
    2020-12-01 $233,450 (25.1%) $273,357 (12.0%) 0.00 50
    2021-01-01 $242,000 (21.1%) $279,776 (4.9%) 0.00 46
    2021-02-01 $233,000 (6.9%) $283,252 (9.4%) 0.00 49
    2021-03-01 $249,675 (32.5%) $282,034 (27.2%) 0.00 40
    2021-04-01 $238,000 (33.2%) $248,696 (19.2%) 0.00 39
    2021-05-01 $230,000 (20.0%) $231,222 (5.9%) 0.00 40
    2021-06-01 $209,907 (10.9%) $224,042 (5.6%) 0.00 33
    2021-07-01 $230,000 (25.2%) $254,543 (22.9%) 0.00 34
    2021-08-01 $246,250 (14.6%) $286,614 (19.3%) 0.00 35
    2021-09-01 $258,125 (16.2%) $333,949 (35.0%) 0.00 29
    2021-10-01 $269,250 (14.6%) $303,061 (13.8%) 0.00 34
    2021-11-01 $265,625 (13.3%) $312,216 (13.2%) 0.00 36
    2021-12-01 $223,425 (-4.3%) $306,423 (12.1%) 0.00 38
    2022-01-01 $267,200 (10.4%) $311,910 (11.5%) 0.00 30
    2022-02-01 $284,500 (22.1%) $313,894 (10.8%) 0.00 28
    2022-03-01 $229,975 (-7.9%) $301,090 (6.8%) 0.00 31
    2022-04-01 $277,000 (16.4%) $309,376 (24.4%) 0.00 34
    2022-05-01 $277,250 (20.5%) $332,557 (43.8%) 0.00 33
    2022-06-01 $279,900 (33.3%) $336,378 (50.1%) 0.00 39
    2022-07-01 $299,950 (30.4%) $348,226 (36.8%) 0.00 49
    2022-08-01 $349,000 (41.7%) $382,278 (33.4%) 0.00 47
    2022-09-01 $357,000 (38.3%) $373,868 (12.0%) 0.00 51
    2022-10-01 $315,000 (17.0%) $367,032 (21.1%) 0.00 53
    2022-11-01 $284,725 (7.2%) $346,115 (10.9%) 0.00 53
    2022-12-01 $272,450 (21.9%) $313,036 (2.2%) 0.00 55
    2023-01-01 $265,950 (-0.5%) $293,486 (-5.9%) 0.00 48
    2023-02-01 $264,675 (-7.0%) $312,211 (-0.5%) 0.00 52
    2023-03-01 $285,450 (24.1%) $335,545 (11.4%) 0.00 45
    2023-04-01 $262,250 (-5.3%) $325,018 (5.1%) 0.00 57
    2023-05-01 $279,225 (0.7%) $347,539 (4.5%) 0.00 53
    2023-06-01 $294,250 (5.1%) $352,866 (4.9%) 0.00 55
    2023-07-01 $279,450 (-6.8%) $353,712 (1.6%) 0.00 54
    2023-08-01 $329,950 (-5.5%) $377,545 (-1.2%) 0.00 53
    2023-09-01 $319,900 (-10.4%) $351,611 (-6.0%) 0.00 52
    2023-10-01 $313,125 (-0.6%) $373,060 (1.6%) 0.00 51
    2023-11-01 $302,500 (6.2%) $357,293 (3.2%) 0.00 56
    2023-12-01 $299,000 (9.7%) $332,566 (6.2%) 0.00 52
    2024-01-01 $298,750 (12.3%) $309,053 (5.3%) 0.00 63
    2024-02-01 $291,950 (10.3%) $300,313 (-3.8%) 0.00 63
    2024-03-01 $254,950 (-10.7%) $283,700 (-15.5%) 0.00 56
    2024-04-01 $254,675 (-2.9%) $282,574 (-13.1%) 0.00 59
    2024-05-01 $233,925 (-16.2%) $260,753 (-25.0%) 0.00 67
    2024-06-01 $239,000 (-18.8%) $275,148 (-22.0%) 0.00 67
    2024-07-01 $261,813 (-6.3%) $285,544 (-19.3%) 0.00 62
    2024-08-01 $255,000 (-22.7%) $286,934 (-24.0%) 0.00 58
    2024-09-01 $252,700 (-21.0%) $293,319 (-16.6%) 0.00 62
    2024-10-01 $287,850 (-8.1%) $319,638 (-14.3%) 0.00 60
    2024-11-01 $285,200 (-5.7%) $319,034 (-10.7%) 0.00 68
    2024-12-01 $283,725 (-5.1%) $323,715 (-2.7%) 0.00 70
    2025-01-01 $284,125 (-4.9%) $312,422 (1.1%) 0.00 78
    2025-02-01 $268,550 (-8.0%) $299,270 (-0.4%) 0.00 84
    2025-03-01 $274,950 (7.8%) $299,025 (5.4%) 0.00 88
    Bainbridge's median listing price for 2025-03-01 was $274,950, a difference of $20,000 (7.8%) versus the prior year and $6,400 versus the prior month.

    Bainbridge's median listing price comes in at 0% of the national average.

    Bainbridge's average listing price for 2025-03-01 was $299,025, a difference of $15,325 (5.4%) versus the prior year and $-245 versus the prior month.

    For the 2025-03-01 period, Bainbridge had 88 MLS listings, a difference of 4 listings (5%) versus the prior month and 32 listings (57%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Bainbridge (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 1,966 sqft
    2018-02-01 0 days 1,949 sqft
    2018-03-01 0 days 1,880 sqft
    2018-04-01 0 days 1,931 sqft
    2018-05-01 0 days 1,936 sqft
    2018-06-01 0 days 2,000 sqft
    2018-07-01 0 days 2,089 sqft
    2018-08-01 0 days 2,039 sqft
    2018-09-01 0 days 1,994 sqft
    2018-10-01 0 days 1,964 sqft
    2018-11-01 0 days 1,981 sqft
    2018-12-01 0 days 1,977 sqft
    2019-01-01 0 days 1,952 sqft
    2019-02-01 0 days 2,000 sqft
    2019-03-01 0 days 2,020 sqft
    2019-04-01 0 days 2,081 sqft
    2019-05-01 0 days 2,195 sqft
    2019-06-01 0 days 2,188 sqft
    2019-07-01 0 days 2,000 sqft
    2019-08-01 0 days 2,086 sqft
    2019-09-01 0 days 2,214 sqft
    2019-10-01 0 days 2,236 sqft
    2019-11-01 0 days 2,134 sqft
    2019-12-01 0 days 2,160 sqft
    2020-01-01 0 days 2,328 sqft
    2020-02-01 0 days 2,326 sqft
    2020-03-01 0 days 2,057 sqft
    2020-04-01 0 days 2,040 sqft
    2020-05-01 0 days 2,031 sqft
    2020-06-01 0 days 2,049 sqft
    2020-07-01 0 days 2,000 sqft
    2020-08-01 0 days 2,252 sqft
    2020-09-01 0 days 2,239 sqft
    2020-10-01 0 days 2,263 sqft
    2020-11-01 0 days 2,397 sqft
    2020-12-01 0 days 2,373 sqft
    2021-01-01 0 days 2,376 sqft
    2021-02-01 0 days 2,239 sqft
    2021-03-01 0 days 2,150 sqft
    2021-04-01 0 days 1,952 sqft
    2021-05-01 0 days 1,855 sqft
    2021-06-01 0 days 1,806 sqft
    2021-07-01 0 days 1,873 sqft
    2021-08-01 0 days 1,936 sqft
    2021-09-01 0 days 2,209 sqft
    2021-10-01 0 days 1,928 sqft
    2021-11-01 0 days 2,174 sqft
    2021-12-01 0 days 2,102 sqft
    2022-01-01 0 days 2,166 sqft
    2022-02-01 0 days 2,166 sqft
    2022-03-01 0 days 1,891 sqft
    2022-04-01 0 days 2,048 sqft
    2022-05-01 0 days 2,060 sqft
    2022-06-01 0 days 1,929 sqft
    2022-07-01 0 days 2,128 sqft
    2022-08-01 0 days 2,189 sqft
    2022-09-01 0 days 2,188 sqft
    2022-10-01 0 days 2,128 sqft
    2022-11-01 0 days 1,965 sqft
    2022-12-01 0 days 1,892 sqft
    2023-01-01 0 days 1,883 sqft
    2023-02-01 0 days 1,907 sqft
    2023-03-01 0 days 1,955 sqft
    2023-04-01 0 days 1,806 sqft
    2023-05-01 0 days 2,016 sqft
    2023-06-01 0 days 2,164 sqft
    2023-07-01 0 days 2,012 sqft
    2023-08-01 0 days 2,121 sqft
    2023-09-01 0 days 2,278 sqft
    2023-10-01 0 days 2,184 sqft
    2023-11-01 0 days 2,279 sqft
    2023-12-01 0 days 2,110 sqft
    2024-01-01 0 days 1,953 sqft
    2024-02-01 0 days 2,003 sqft
    2024-03-01 0 days 1,921 sqft
    2024-04-01 0 days 1,809 sqft
    2024-05-01 0 days 1,640 sqft
    2024-06-01 0 days 1,652 sqft
    2024-07-01 0 days 1,841 sqft
    2024-08-01 0 days 1,725 sqft
    2024-09-01 0 days 1,733 sqft
    2024-10-01 0 days 1,917 sqft
    2024-11-01 0 days 1,796 sqft
    2024-12-01 0 days 1,775 sqft
    2025-01-01 0 days 1,769 sqft
    2025-02-01 0 days 1,755 sqft
    2025-03-01 0 days 1,770 sqft
    Bainbridge's median listing age (time on market) for 2025-03-01 was 0 days.

    Bainbridge's median square footage for active listings during the 2025-03-01 period was 1,770 sqft. One year prior, the average listing was 1,921 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.