Beaumont VA Loan Rates, Closing Costs & Stats

BEAUMONT-PORT ARTHUR, TX

  • JUMP TO:
  • Trends
  • Rates vs Fees
  • Top Lenders
  • Markets
  • Market Conditions & Pricing
  • Time on Market/Property Size

    • 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.

    Beaumont's 59 lenders originated 368 VA loans during 2024. The total origination value was $103,430,000, with an average VA loan value of $281,060.

    Beaumont VA Loans, 30 Year Fixed Rates

    30 Year VA mortgages in Beaumont averaged 6.44% for the week of 2025-04-11, compared to the national average (all VA variants) of 6.292% for the same period.

    Beaumont's average VA mortgage closing costs are $6,023.

    The average rate for the prior week (2025-04-04) was 6.58% and one month ago for the week of 2025-03-07, the average rate was 6.57%.

    The average rate one year ago was 6.57%.

    For refis of the same type during the week of 2025-04-11, the average rate was 6.3%.

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

    Beaumont 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 Beaumont level.

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    Mortgage Research Center, LLC 77 6.50% $5,098
    UNITED WHOLESALE MORTGAGE, LLC 38 6.03% $5,342
    DHI MORTGAGE COMPANY, LTD. 18 4.77% $6,854
    FREEDOM MORTGAGE CORPORATION 16 6.45% $8,734
    GUILD MORTGAGE COMPANY 15 6.56% $10,302
    Flagstar Bank, FSB 12 6.57% $5,740
    USAA Federal Savings Bank 11 6.32% $5,818
    CROSSCOUNTRY MORTGAGE, LLC 11 6.36% $9,044
    PENNYMAC LOAN SERVICES, LLC 10 5.46% $5,668
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 9 6.17% $8,474
    OPEN MORTGAGE, LLC 8 6.92% $5,111
    CANOPY MORTGAGE, LLC 8 6.19% $13,962
    NAVY FEDERAL CREDIT UNION 8 6.08% $6,910
    QUICKEN LOANS, LLC 7 6.42% $9,997
    NATIONS RELIABLE LENDING, LLC 6 6.24% $5,207
    VILLAGE CAPITAL MORTGAGE 6 5.67% $4,396
    EVERETT FINANCIAL, INC. 6 6.69% $9,450
    MORTGAGE SOLUTIONS OF COLORADO, LLC 6 6.27% $5,155
    PLANET HOME LENDING, LLC 5 5.55% $4,190
    FBC MORTGAGE, LLC 5 6.27% $10,337
    DSLD MORTGAGE, LLC 5 6.04% $4,956
    American Mortgage Bank, LLC 4 6.72% $9,683
    Gateway First Bank 4 5.96% $12,101
    Mr. Cooper ( Nationstar Mortgage ) 3 5.83% $4,790
    Carrington Mortgage Services, LLC 3 5.83% $5,731
    Mid-Continent Funding, Inc. 3 6.12% $6,463
    Lakeview Community Capital, LLC 2 5.50% $7,092
    SOUTHWEST FUNDING, LP 2 5.86% $30
    CMG MORTGAGE, INC. 2 6.56% $10,187
    SUN WEST MORTGAGE COMPANY, INC. 2 5.88% $4,144
    PREMIA MORTGAGE, LLC 2 5.25% $10,217
    City Bank 2 5.88% $9,152
    Equity Prime Mortgage LLC 2 6.81% $6,030
    Paramount Residential Mortgage Group, Inc. 2 6.37% $5,557
    NEWREZ LLC 2 6.50% $9,118
    First Federal Bank 1 6.13% $22,463
    FIDELITY BANK 1 6.75% $17,750
    DIRECT MORTGAGE LOANS, LLC 1 6.00% $8,947
    PACIFIC RESIDENTIAL MORTGAGE, LLC 1 5.99% $22,037
    DAS Acquisition Company, LLC 1 6.88% $8,273
    Plains Commerce Bank 1 6.75% $7,165
    PRIMARY RESIDENTIAL MORTGAGE, INC. 1 6.25% $5,569
    PRIMELENDING, A PLAINSCAPITAL COMPANY 1 6.25% $2,097
    Prosperity Home Mortgage, LLC 1 6.12% $7,035
    CLEARPATH LENDING 1 5.75% $3,005
    Stifel Bank and Trust 1 6.13% $4,491
    UNION HOME MORTGAGE CORP. 1 5.75% $13,378
    Barrington Bank & Trust Company, N.A. 1 6.75% $4,190
    AmeriHome Mortgage Company, LLC 1 5.63% $7,168
    GUARANTEED RATE, INC. 1 5.75% $8,459
    GUARANTEED RATE AFFINITY, LLC 1 6.13% $13,891
    GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION 1 4.99% $30,444
    HomePromise Corporation 1 7.00% $810
    HOMESIDE FINANCIAL, LLC 1 6.63% $6,618
    JPMorgan Chase Bank 1 5.75% $500
    LAKEVIEW LOAN SERVICING, LLC 1 5.75% $2,893
    V.I.P. MORTGAGE, INC. 1 6.99% $7,931
    GMFS LLC 1 6.99% $2,066
    First Financial Bank 1 5.75% $9,453

    The top Beaumont VA lender as defined by loan originations is Mortgage Research Center, LLC, with 77 VA loans originated. Their average total fees are $5,098, which is $244 lower than the next largest lender, UNITED WHOLESALE MORTGAGE, LLC.

    The lowest fee Beaumont VA lenders (with over 10 loans originated) are Mortgage Research Center, LLC ($5,098), UNITED WHOLESALE MORTGAGE, LLC ($5,342), PENNYMAC LOAN SERVICES, LLC ($5,668), Flagstar Bank, FSB ($5,740) and USAA Federal Savings Bank ($5,818).

    The lowest rate Beaumont VA lenders (with over 10 loans originated) are DHI MORTGAGE COMPANY, LTD. (4.77%), PENNYMAC LOAN SERVICES, LLC (5.46%), UNITED WHOLESALE MORTGAGE, LLC (6.03%), USAA Federal Savings Bank (6.32%) and CROSSCOUNTRY MORTGAGE, LLC (6.36%).

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Beaumont (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 $159,700 (-3.1%) $213,766 (1.7%) 0.59 982
    2018-02-01 $157,975 (-6.7%) $219,818 (4.5%) 0.57 999
    2018-03-01 $155,450 (-9.6%) $212,592 (-0.3%) 0.55 980
    2018-04-01 $158,950 (-11.4%) $219,713 (-0.4%) 0.54 1,016
    2018-05-01 $165,000 (-8.1%) $226,631 (1.8%) 0.55 1,063
    2018-06-01 $172,500 (-3.7%) $229,262 (3.0%) 0.58 1,135
    2018-07-01 $175,250 (0.2%) $230,567 (7.5%) 0.59 1,220
    2018-08-01 $178,000 (1.8%) $230,130 (6.7%) 0.60 1,266
    2018-09-01 $178,950 (5.3%) $226,911 (4.1%) 0.60 1,260
    2018-10-01 $179,900 (7.5%) $225,164 (4.2%) 0.61 1,272
    2018-11-01 $177,450 (10.9%) $223,695 (5.0%) 0.60 1,256
    2018-12-01 $175,000 (9.4%) $226,253 (6.0%) 0.60 1,228
    2019-01-01 $174,950 (9.6%) $228,919 (7.1%) 0.60 1,206
    2019-02-01 $177,575 (12.4%) $229,363 (4.3%) 0.60 1,239
    2019-03-01 $184,100 (18.4%) $230,864 (8.6%) 0.60 1,301
    2019-04-01 $189,000 (18.9%) $232,783 (6.0%) 0.60 1,335
    2019-05-01 $189,925 (15.1%) $234,160 (3.3%) 0.59 1,319
    2019-06-01 $190,000 (10.1%) $234,377 (2.2%) 0.59 1,355
    2019-07-01 $191,125 (9.1%) $231,792 (0.5%) 0.60 1,415
    2019-08-01 $190,805 (7.2%) $230,221 (0.0%) 0.60 1,452
    2019-09-01 $192,011 (7.3%) $231,395 (2.0%) 0.61 1,432
    2019-10-01 $192,816 (7.2%) $231,163 (2.7%) 0.62 1,417
    2019-11-01 $189,900 (7.0%) $228,733 (2.3%) 0.62 1,375
    2019-12-01 $184,900 (5.7%) $228,476 (1.0%) 0.62 1,325
    2020-01-01 $186,700 (6.7%) $231,137 (1.0%) 0.62 1,243
    2020-02-01 $185,450 (4.4%) $231,234 (0.8%) 0.61 1,241
    2020-03-01 $189,450 (2.9%) $235,791 (2.1%) 0.59 1,228
    2020-04-01 $194,900 (3.1%) $237,796 (2.2%) 0.61 1,198
    2020-05-01 $199,000 (4.8%) $243,387 (3.9%) 0.60 1,218
    2020-06-01 $202,950 (6.8%) $246,204 (5.1%) 0.60 1,326
    2020-07-01 $206,950 (8.3%) $247,738 (6.9%) 0.60 1,308
    2020-08-01 $209,900 (10.0%) $250,778 (8.9%) 0.60 1,256
    2020-09-01 $214,250 (11.6%) $250,463 (8.2%) 0.61 1,155
    2020-10-01 $211,000 (9.4%) $249,754 (8.0%) 0.60 1,157
    2020-11-01 $207,400 (9.2%) $248,099 (8.5%) 0.61 1,159
    2020-12-01 $201,125 (8.8%) $249,829 (9.4%) 0.60 1,068
    2021-01-01 $205,000 (9.8%) $251,129 (8.7%) 0.61 1,033
    2021-02-01 $208,033 (12.2%) $250,026 (8.1%) 0.61 1,054
    2021-03-01 $212,500 (12.2%) $255,782 (8.5%) 0.60 1,069
    2021-04-01 $223,000 (14.4%) $261,407 (9.9%) 0.60 1,021
    2021-05-01 $212,000 (6.5%) $256,624 (5.4%) 0.56 975
    2021-06-01 $213,500 (5.2%) $257,389 (4.5%) 0.56 993
    2021-07-01 $210,000 (1.5%) $255,974 (3.3%) 0.55 1,064
    2021-08-01 $205,500 (-2.1%) $252,251 (0.6%) 0.55 1,131
    2021-09-01 $210,000 (-2.0%) $259,837 (3.7%) 0.56 1,119
    2021-10-01 $210,000 (-0.5%) $260,628 (4.4%) 0.56 1,126
    2021-11-01 $214,900 (3.6%) $264,309 (6.5%) 0.57 1,113
    2021-12-01 $210,000 (4.4%) $262,855 (5.2%) 0.57 1,055
    2022-01-01 $215,000 (4.9%) $274,016 (9.1%) 0.58 1,015
    2022-02-01 $219,995 (5.8%) $277,443 (11.0%) 0.57 1,002
    2022-03-01 $229,450 (8.0%) $280,772 (9.8%) 0.57 1,007
    2022-04-01 $239,000 (7.2%) $287,543 (10.0%) 0.57 1,002
    2022-05-01 $238,200 (12.4%) $296,655 (15.6%) 0.54 1,046
    2022-06-01 $239,800 (12.3%) $302,606 (17.6%) 0.53 1,125
    2022-07-01 $230,000 (9.5%) $292,106 (14.1%) 0.52 1,294
    2022-08-01 $222,150 (8.1%) $284,559 (12.8%) 0.51 1,353
    2022-09-01 $219,450 (4.5%) $280,072 (7.8%) 0.51 1,402
    2022-10-01 $225,000 (7.1%) $284,233 (9.1%) 0.53 1,435
    2022-11-01 $228,871 (6.5%) $282,452 (6.9%) 0.55 1,475
    2022-12-01 $229,900 (9.5%) $277,929 (5.7%) 0.57 1,352
    2023-01-01 $234,113 (8.9%) $280,026 (2.2%) 0.58 1,326
    2023-02-01 $232,500 (5.7%) $296,410 (6.8%) 0.56 1,365
    2023-03-01 $239,450 (4.4%) $281,030 (0.1%) 0.56 1,385
    2023-04-01 $244,950 (2.5%) $282,494 (-1.8%) 0.57 1,300
    2023-05-01 $249,000 (4.5%) $290,315 (-2.1%) 0.56 1,319
    2023-06-01 $250,000 (4.3%) $295,263 (-2.4%) 0.56 1,398
    2023-07-01 $249,900 (8.7%) $291,552 (-0.2%) 0.57 1,471
    2023-08-01 $240,000 (8.0%) $285,330 (0.3%) 0.55 1,475
    2023-09-01 $240,000 (9.4%) $283,252 (1.1%) 0.56 1,502
    2023-10-01 $240,000 (6.7%) $284,109 (0.0%) 0.56 1,556
    2023-11-01 $239,925 (4.8%) $285,914 (1.2%) 0.57 1,549
    2023-12-01 $240,000 (4.4%) $284,420 (2.3%) 0.59 1,472
    2024-01-01 $239,900 (2.5%) $280,399 (0.1%) 0.59 1,416
    2024-02-01 $234,995 (1.1%) $276,659 (-6.7%) 0.57 1,467
    2024-03-01 $236,970 (-1.0%) $280,479 (-0.2%) 0.56 1,487
    2024-04-01 $239,450 (-2.3%) $283,611 (0.4%) 0.56 1,528
    2024-05-01 $243,675 (-2.1%) $287,455 (-1.0%) 0.55 1,527
    2024-06-01 $244,900 (-2.0%) $288,180 (-2.4%) 0.56 1,562
    2024-07-01 $244,990 (-2.0%) $290,988 (-0.2%) 0.56 1,647
    2024-08-01 $240,000 (0.0%) $289,267 (1.4%) 0.56 1,639
    2024-09-01 $239,450 (-0.2%) $283,783 (0.2%) 0.56 1,681
    2024-10-01 $234,950 (-2.1%) $284,303 (0.1%) 0.55 1,711
    2024-11-01 $229,900 (-4.2%) $277,995 (-2.8%) 0.55 1,785
    2024-12-01 $229,900 (-4.2%) $275,188 (-3.3%) 0.57 1,644
    2025-01-01 $225,000 (-6.2%) $270,352 (-3.6%) 0.56 1,586
    2025-02-01 $225,000 (-4.3%) $264,415 (-4.4%) 0.55 1,597
    2025-03-01 $229,000 (-3.4%) $271,448 (-3.2%) 0.00 1,579
    Beaumont's median listing price for 2025-03-01 was $229,000, a difference of $-7,970 (-3.4%) versus the prior year and $4,000 versus the prior month.

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

    Beaumont's average listing price for 2025-03-01 was $271,448, a difference of $-9,031 (-3.2%) versus the prior year and $7,033 versus the prior month.

    For the 2025-03-01 period, Beaumont had 1,579 MLS listings, a difference of -18 listings (-1%) versus the prior month and 92 listings (6%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Beaumont (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 62 days 2,042 sqft
    2018-02-01 60 days 2,041 sqft
    2018-03-01 53 days 2,021 sqft
    2018-04-01 46 days 2,002 sqft
    2018-05-01 44 days 1,997 sqft
    2018-06-01 47 days 1,983 sqft
    2018-07-01 51 days 1,985 sqft
    2018-08-01 51 days 1,960 sqft
    2018-09-01 56 days 1,962 sqft
    2018-10-01 60 days 1,978 sqft
    2018-11-01 64 days 1,962 sqft
    2018-12-01 68 days 1,947 sqft
    2019-01-01 71 days 1,955 sqft
    2019-02-01 61 days 1,962 sqft
    2019-03-01 50 days 1,981 sqft
    2019-04-01 47 days 2,007 sqft
    2019-05-01 55 days 2,010 sqft
    2019-06-01 58 days 1,995 sqft
    2019-07-01 54 days 1,995 sqft
    2019-08-01 56 days 1,981 sqft
    2019-09-01 59 days 1,979 sqft
    2019-10-01 62 days 1,972 sqft
    2019-11-01 66 days 1,963 sqft
    2019-12-01 73 days 1,953 sqft
    2020-01-01 81 days 1,956 sqft
    2020-02-01 73 days 1,947 sqft
    2020-03-01 57 days 1,960 sqft
    2020-04-01 61 days 1,986 sqft
    2020-05-01 68 days 1,986 sqft
    2020-06-01 53 days 1,984 sqft
    2020-07-01 50 days 1,981 sqft
    2020-08-01 59 days 2,007 sqft
    2020-09-01 72 days 2,006 sqft
    2020-10-01 67 days 2,002 sqft
    2020-11-01 59 days 1,968 sqft
    2020-12-01 61 days 1,948 sqft
    2021-01-01 64 days 1,951 sqft
    2021-02-01 57 days 1,949 sqft
    2021-03-01 53 days 1,965 sqft
    2021-04-01 47 days 1,971 sqft
    2021-05-01 50 days 1,916 sqft
    2021-06-01 45 days 1,914 sqft
    2021-07-01 40 days 1,872 sqft
    2021-08-01 45 days 1,863 sqft
    2021-09-01 50 days 1,903 sqft
    2021-10-01 53 days 1,899 sqft
    2021-11-01 52 days 1,900 sqft
    2021-12-01 61 days 1,874 sqft
    2022-01-01 61 days 1,881 sqft
    2022-02-01 46 days 1,882 sqft
    2022-03-01 43 days 1,883 sqft
    2022-04-01 40 days 1,895 sqft
    2022-05-01 39 days 1,881 sqft
    2022-06-01 39 days 1,890 sqft
    2022-07-01 44 days 1,876 sqft
    2022-08-01 47 days 1,855 sqft
    2022-09-01 58 days 1,843 sqft
    2022-10-01 60 days 1,858 sqft
    2022-11-01 60 days 1,897 sqft
    2022-12-01 70 days 1,904 sqft
    2023-01-01 79 days 1,926 sqft
    2023-02-01 77 days 1,900 sqft
    2023-03-01 63 days 1,911 sqft
    2023-04-01 61 days 1,917 sqft
    2023-05-01 54 days 1,946 sqft
    2023-06-01 52 days 1,948 sqft
    2023-07-01 52 days 1,917 sqft
    2023-08-01 58 days 1,904 sqft
    2023-09-01 59 days 1,896 sqft
    2023-10-01 64 days 1,876 sqft
    2023-11-01 70 days 1,881 sqft
    2023-12-01 75 days 1,885 sqft
    2024-01-01 86 days 1,880 sqft
    2024-02-01 75 days 1,846 sqft
    2024-03-01 59 days 1,844 sqft
    2024-04-01 59 days 1,882 sqft
    2024-05-01 61 days 1,902 sqft
    2024-06-01 58 days 1,903 sqft
    2024-07-01 58 days 1,899 sqft
    2024-08-01 61 days 1,872 sqft
    2024-09-01 65 days 1,841 sqft
    2024-10-01 66 days 1,831 sqft
    2024-11-01 71 days 1,810 sqft
    2024-12-01 77 days 1,814 sqft
    2025-01-01 83 days 1,798 sqft
    2025-02-01 81 days 1,791 sqft
    2025-03-01 0 days 1,831 sqft
    Beaumont's median listing age (time on market) for 2025-03-01 was 0 days. This is -100% shorter than the same period one year ago.

    Beaumont's median square footage for active listings during the 2025-03-01 period was 1,831 sqft. One year prior, the average listing was 1,844 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.