Borger VA Loan Rates, Closing Costs & Stats

Borger, TX

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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.

    Borger's 11 lenders originated 23 VA loans during 2024. The total origination value was $5,205,000, with an average VA loan value of $226,304.

    Borger VA Loans, 30 Year Fixed Rates

    30 Year VA mortgages in Borger averaged 0.68% for the week of 2025-05-30, compared to the national average (all VA variants) of 0% for the same period.

    Borger's average VA mortgage closing costs are $4,633.

    The average rate for the prior week (2025-05-23) was 6.88% and one month ago for the week of 2025-04-25, the average rate was 7.1%.

    The average rate one year ago was 7.05%.

    For refis of the same type during the week of 2025-05-30, the average rate was -0.2%.

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

    Borger 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 Borger level.

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    Mortgage Research Center, LLC 7 5.89% $5,696
    QUICKEN LOANS, LLC 4 5.90% $6,966
    UNITED WHOLESALE MORTGAGE, LLC 2 6.00% $3,426
    DAS Acquisition Company, LLC 2 6.25% $7,107
    PRIMELENDING, A PLAINSCAPITAL COMPANY 1 6.75% $7,664
    TEXAS TECH 1 6.13% $4,115
    Cornerstone First Mortgage, Inc 1 6.50% $6,669
    VILLAGE CAPITAL MORTGAGE 1 5.38% $4,241
    FREEDOM MORTGAGE CORPORATION 1 6.25% $3,482
    PENNYMAC LOAN SERVICES, LLC 1 5.49% $4,280
    PREMIA MORTGAGE, LLC 1 5.50% $6,145

    The top Borger VA lender as defined by loan originations is Mortgage Research Center, LLC, with 7 VA loans originated. Their average total fees are $5,696, which is $1,269 lower than the next largest lender, QUICKEN LOANS, LLC.

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

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

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Borger (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 $88,075 (-12.1%) $106,090 (-11.2%) 0.00 81
    2018-02-01 $87,425 (-17.6%) $101,969 (-18.0%) 0.00 89
    2018-03-01 $84,450 (-28.0%) $98,229 (-24.2%) 0.00 89
    2018-04-01 $86,225 (-29.0%) $100,875 (-29.5%) 0.00 89
    2018-05-01 $87,050 (-25.4%) $111,068 (-16.1%) 0.00 93
    2018-06-01 $89,500 (-19.0%) $109,116 (-16.1%) 0.00 91
    2018-07-01 $89,000 (-10.7%) $110,589 (-10.0%) 0.00 102
    2018-08-01 $94,125 (-0.8%) $114,920 (0.6%) 0.00 109
    2018-09-01 $90,000 (-8.2%) $114,572 (-2.1%) 0.00 110
    2018-10-01 $91,500 (-6.9%) $112,572 (-1.5%) 0.00 118
    2018-11-01 $89,000 (-1.0%) $107,677 (1.5%) 0.00 114
    2018-12-01 $85,500 (-1.2%) $108,467 (5.1%) 0.00 109
    2019-01-01 $85,500 (-2.9%) $103,609 (-2.3%) 0.00 105
    2019-02-01 $89,975 (2.9%) $108,229 (6.1%) 0.00 103
    2019-03-01 $90,164 (6.8%) $104,930 (6.8%) 0.00 107
    2019-04-01 $91,725 (6.4%) $107,002 (6.1%) 0.00 107
    2019-05-01 $93,000 (6.8%) $107,617 (-3.1%) 0.00 109
    2019-06-01 $94,900 (6.0%) $109,285 (0.2%) 0.00 115
    2019-07-01 $95,700 (7.5%) $119,914 (8.4%) 0.00 108
    2019-08-01 $93,427 (-0.7%) $118,974 (3.5%) 0.00 108
    2019-09-01 $91,218 (1.4%) $116,841 (2.0%) 0.00 113
    2019-10-01 $85,750 (-6.3%) $113,203 (0.6%) 0.00 113
    2019-11-01 $74,900 (-15.8%) $106,775 (-0.8%) 0.00 116
    2019-12-01 $73,340 (-14.2%) $103,585 (-4.5%) 0.00 111
    2020-01-01 $73,900 (-13.6%) $96,826 (-6.6%) 0.00 99
    2020-02-01 $74,900 (-16.8%) $95,486 (-11.8%) 0.00 94
    2020-03-01 $59,900 (-33.6%) $89,095 (-15.1%) 0.00 76
    2020-04-01 $62,000 (-32.4%) $93,121 (-13.0%) 0.00 80
    2020-05-01 $79,925 (-14.1%) $102,216 (-5.0%) 0.00 91
    2020-06-01 $81,875 (-13.7%) $101,255 (-7.4%) 0.00 85
    2020-07-01 $89,950 (-6.0%) $110,059 (-8.2%) 0.00 85
    2020-08-01 $99,500 (6.5%) $121,145 (1.8%) 0.00 72
    2020-09-01 $101,975 (11.8%) $126,509 (8.3%) 0.00 70
    2020-10-01 $95,500 (11.4%) $118,247 (4.5%) 0.00 67
    2020-11-01 $99,375 (32.7%) $123,369 (15.5%) 0.00 65
    2020-12-01 $108,250 (47.6%) $130,570 (26.1%) 0.00 62
    2021-01-01 $93,850 (27.0%) $124,581 (28.7%) 0.00 58
    2021-02-01 $79,900 (6.7%) $105,430 (10.4%) 0.00 44
    2021-03-01 $80,600 (34.6%) $100,309 (12.6%) 0.00 35
    2021-04-01 $73,750 (19.0%) $95,029 (2.1%) 0.00 34
    2021-05-01 $88,750 (11.0%) $111,977 (9.6%) 0.00 32
    2021-06-01 $107,900 (31.8%) $116,603 (15.2%) 0.00 30
    2021-07-01 $81,500 (-9.4%) $112,186 (1.9%) 0.00 35
    2021-08-01 $92,500 (-7.0%) $121,041 (-0.1%) 0.00 47
    2021-09-01 $115,725 (13.5%) $138,446 (9.4%) 0.00 49
    2021-10-01 $120,000 (25.7%) $141,473 (19.6%) 0.00 57
    2021-11-01 $116,725 (17.5%) $133,324 (8.1%) 0.00 57
    2021-12-01 $119,450 (10.4%) $132,399 (1.4%) 0.00 50
    2022-01-01 $125,000 (33.2%) $135,441 (8.7%) 0.00 44
    2022-02-01 $130,750 (63.6%) $145,604 (38.1%) 0.00 33
    2022-03-01 $120,750 (49.8%) $136,269 (35.9%) 0.00 32
    2022-04-01 $135,000 (83.1%) $152,754 (60.7%) 0.00 38
    2022-05-01 $128,000 (44.2%) $134,694 (20.3%) 0.00 37
    2022-06-01 $127,500 (18.2%) $145,642 (24.9%) 0.00 42
    2022-07-01 $124,500 (52.8%) $149,711 (33.5%) 0.00 52
    2022-08-01 $115,175 (24.5%) $131,276 (8.5%) 0.00 54
    2022-09-01 $109,950 (-5.0%) $131,482 (-5.0%) 0.00 56
    2022-10-01 $119,900 (-0.1%) $137,148 (-3.1%) 0.00 62
    2022-11-01 $125,950 (7.9%) $147,166 (10.4%) 0.00 65
    2022-12-01 $125,000 (4.7%) $145,655 (10.0%) 0.00 61
    2023-01-01 $118,725 (-5.0%) $139,155 (2.7%) 0.00 55
    2023-02-01 $110,450 (-15.5%) $135,728 (-6.8%) 0.00 55
    2023-03-01 $141,165 (16.9%) $143,699 (5.5%) 0.00 56
    2023-04-01 $160,000 (18.5%) $156,701 (2.6%) 0.00 58
    2023-05-01 $165,000 (28.9%) $173,740 (29.0%) 0.00 54
    2023-06-01 $193,750 (52.0%) $184,678 (26.8%) 0.00 50
    2023-07-01 $166,750 (33.9%) $177,100 (18.3%) 0.00 43
    2023-08-01 $149,021 (29.4%) $176,076 (34.1%) 0.00 53
    2023-09-01 $165,000 (50.1%) $179,071 (36.2%) 0.00 56
    2023-10-01 $155,500 (29.7%) $180,574 (31.7%) 0.00 56
    2023-11-01 $161,750 (28.4%) $178,116 (21.0%) 0.00 53
    2023-12-01 $157,500 (26.0%) $173,626 (19.2%) 0.00 51
    2024-01-01 $163,725 (37.9%) $176,301 (26.7%) 0.00 53
    2024-02-01 $134,975 (22.2%) $170,142 (25.4%) 0.00 59
    2024-03-01 $125,000 (-11.5%) $161,584 (12.5%) 0.00 54
    2024-04-01 $135,725 (-15.2%) $171,744 (9.6%) 0.00 52
    2024-05-01 $134,675 (-18.4%) $167,696 (-3.5%) 0.00 51
    2024-06-01 $140,950 (-27.3%) $189,049 (2.4%) 0.00 56
    2024-07-01 $138,675 (-16.8%) $188,093 (6.2%) 0.00 67
    2024-08-01 $125,000 (-16.1%) $176,414 (0.2%) 0.00 69
    2024-09-01 $130,000 (-21.2%) $179,637 (0.3%) 0.00 79
    2024-10-01 $147,225 (-5.3%) $186,536 (3.3%) 0.00 79
    2024-11-01 $167,809 (3.8%) $188,390 (5.8%) 0.00 79
    2024-12-01 $158,202 (0.5%) $177,273 (2.1%) 0.00 85
    2025-01-01 $166,902 (1.9%) $178,186 (1.1%) 0.00 93
    2025-02-01 $169,500 (25.6%) $173,368 (1.9%) 0.00 97
    2025-03-01 $169,250 (35.4%) $174,461 (8.0%) 0.00 92
    2025-04-01 $165,875 (22.2%) $173,518 (1.0%) 0.00 95
    Borger's median listing price for 2025-04-01 was $165,875, a difference of $30,150 (22.2%) versus the prior year and $-3,375 versus the prior month.

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

    Borger's average listing price for 2025-04-01 was $173,518, a difference of $1,774 (1.0%) versus the prior year and $-943 versus the prior month.

    For the 2025-04-01 period, Borger had 95 MLS listings, a difference of 3 listings (3%) versus the prior month and 43 listings (83%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Borger (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 1,595 sqft
    2018-02-01 0 days 1,509 sqft
    2018-03-01 0 days 1,537 sqft
    2018-04-01 0 days 1,557 sqft
    2018-05-01 0 days 1,584 sqft
    2018-06-01 0 days 1,562 sqft
    2018-07-01 0 days 1,548 sqft
    2018-08-01 0 days 1,619 sqft
    2018-09-01 0 days 1,598 sqft
    2018-10-01 0 days 1,579 sqft
    2018-11-01 0 days 1,577 sqft
    2018-12-01 0 days 1,568 sqft
    2019-01-01 0 days 1,513 sqft
    2019-02-01 0 days 1,626 sqft
    2019-03-01 0 days 1,563 sqft
    2019-04-01 0 days 1,642 sqft
    2019-05-01 0 days 1,558 sqft
    2019-06-01 0 days 1,585 sqft
    2019-07-01 0 days 1,595 sqft
    2019-08-01 0 days 1,508 sqft
    2019-09-01 0 days 1,443 sqft
    2019-10-01 0 days 1,390 sqft
    2019-11-01 0 days 1,379 sqft
    2019-12-01 0 days 1,360 sqft
    2020-01-01 0 days 1,361 sqft
    2020-02-01 0 days 1,348 sqft
    2020-03-01 0 days 1,348 sqft
    2020-04-01 0 days 1,381 sqft
    2020-05-01 0 days 1,558 sqft
    2020-06-01 0 days 1,519 sqft
    2020-07-01 0 days 1,504 sqft
    2020-08-01 0 days 1,648 sqft
    2020-09-01 0 days 1,770 sqft
    2020-10-01 0 days 1,740 sqft
    2020-11-01 0 days 1,789 sqft
    2020-12-01 0 days 1,776 sqft
    2021-01-01 0 days 1,599 sqft
    2021-02-01 0 days 1,462 sqft
    2021-03-01 0 days 1,405 sqft
    2021-04-01 0 days 1,281 sqft
    2021-05-01 0 days 1,438 sqft
    2021-06-01 0 days 1,513 sqft
    2021-07-01 0 days 1,361 sqft
    2021-08-01 0 days 1,454 sqft
    2021-09-01 0 days 1,688 sqft
    2021-10-01 0 days 1,682 sqft
    2021-11-01 0 days 1,546 sqft
    2021-12-01 0 days 1,650 sqft
    2022-01-01 0 days 1,747 sqft
    2022-02-01 0 days 1,835 sqft
    2022-03-01 0 days 1,579 sqft
    2022-04-01 0 days 1,816 sqft
    2022-05-01 0 days 1,734 sqft
    2022-06-01 0 days 1,667 sqft
    2022-07-01 0 days 1,647 sqft
    2022-08-01 0 days 1,566 sqft
    2022-09-01 0 days 1,455 sqft
    2022-10-01 0 days 1,439 sqft
    2022-11-01 0 days 1,593 sqft
    2022-12-01 0 days 1,555 sqft
    2023-01-01 0 days 1,486 sqft
    2023-02-01 0 days 1,482 sqft
    2023-03-01 0 days 1,510 sqft
    2023-04-01 0 days 1,673 sqft
    2023-05-01 0 days 1,796 sqft
    2023-06-01 0 days 1,795 sqft
    2023-07-01 0 days 1,714 sqft
    2023-08-01 0 days 1,595 sqft
    2023-09-01 0 days 1,650 sqft
    2023-10-01 0 days 1,646 sqft
    2023-11-01 0 days 1,649 sqft
    2023-12-01 0 days 1,599 sqft
    2024-01-01 0 days 1,652 sqft
    2024-02-01 0 days 1,547 sqft
    2024-03-01 0 days 1,547 sqft
    2024-04-01 0 days 1,606 sqft
    2024-05-01 0 days 1,599 sqft
    2024-06-01 0 days 1,636 sqft
    2024-07-01 0 days 1,555 sqft
    2024-08-01 0 days 1,475 sqft
    2024-09-01 0 days 1,477 sqft
    2024-10-01 0 days 1,497 sqft
    2024-11-01 0 days 1,646 sqft
    2024-12-01 0 days 1,646 sqft
    2025-01-01 0 days 1,671 sqft
    2025-02-01 0 days 1,651 sqft
    2025-03-01 0 days 1,668 sqft
    2025-04-01 0 days 1,668 sqft
    Borger's median listing age (time on market) for 2025-04-01 was 0 days.

    Borger's median square footage for active listings during the 2025-04-01 period was 1,668 sqft. One year prior, the average listing was 1,606 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.