Bozeman VA Loan Rates, Closing Costs & Stats

Bozeman, MT

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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.

    Bozeman's 35 lenders originated 105 VA loans during 2024. The total origination value was $61,465,000, with an average VA loan value of $585,381.

    Bozeman VA Loans, 30 Year Fixed Rates

    30 Year VA mortgages in Bozeman averaged 6.81% for the week of 2025-05-23, compared to the national average (all VA variants) of 6.52% for the same period.

    Bozeman's average VA mortgage closing costs are $8,392.

    The average rate for the prior week (2025-05-16) was 6.7% and one month ago for the week of 2025-04-18, the average rate was 6.87%.

    The average rate one year ago was 7.09%.

    For refis of the same type during the week of 2025-05-23, the average rate was 6.78%.

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

    Bozeman 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 Bozeman level.

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    UNITED WHOLESALE MORTGAGE, LLC 17 6.07% $9,874
    GUARANTEED RATE, INC. 10 6.03% $8,595
    Mortgage Research Center, LLC 9 6.25% $6,398
    Stockman Bank of Montana 7 6.02% $8,005
    CORNERSTONE HOME LENDING, INC. 5 5.73% $11,097
    PENNYMAC LOAN SERVICES, LLC 4 5.38% $11,328
    CROSSCOUNTRY MORTGAGE, LLC 4 5.94% $9,456
    The Federal Savings Bank 3 6.42% $17,295
    QUICKEN LOANS, LLC 3 6.00% $17,656
    Glacier Bank 3 6.58% $6,673
    CMG MORTGAGE, INC. 3 5.67% $15,861
    Flagstar Bank, FSB 2 5.73% $7,333
    USAA Federal Savings Bank 2 6.31% $15,877
    Armed Forces Bank 2 5.75% $11,572
    Carrington Mortgage Services, LLC 2 6.63% $9,139
    LAKEVIEW LOAN SERVICING, LLC 2 5.88% $3,515
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 2 5.62% $13,198
    NAVY FEDERAL CREDIT UNION 2 5.88% $2,364
    NEWREZ LLC 2 5.88% $10,736
    FREEDOM MORTGAGE CORPORATION 2 6.00% $4,990
    Wells Fargo Bank 1 5.88% $6,426
    BROKER SOLUTIONS, INC. 1 6.25% $14,151
    Citibank 1 6.75% $6,298
    First Federal Bank 1 5.25% $13,702
    GoPrime Mortgage, Inc. 1 6.75% $20,591
    MOVEMENT MORTGAGE, LLC 1 6.25% $6,707
    MUTUAL OF OMAHA MORTGAGE, INC. 1 5.75% $4,120
    NEW DAY FINANCIAL, LLC 1 7.50% $43,215
    Opportunity Bank of Montana 1 6.25% $13,373
    PLAZA HOME MORTGAGE, INC. 1 5.49% $5,414
    PRIMELENDING, A PLAINSCAPITAL COMPANY 1 5.75% $18,163
    Prosperity Home Mortgage, LLC 1 6.63% $14,988
    Sierra Pacific Mortgage Company, Inc. 1 5.75% $5,403
    U.S. Bank 1 6.63% $4,673
    AmeriHome Mortgage Company, LLC 1 5.63% $1,145

    The top Bozeman VA lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with 17 VA loans originated. Their average total fees are $9,874, which is $1,279 higher than the next largest lender, GUARANTEED RATE, INC..

    The lowest fee Bozeman VA lenders (with over 10 loans originated) are GUARANTEED RATE, INC. ($8,595), UNITED WHOLESALE MORTGAGE, LLC ($9,874), .

    The lowest rate Bozeman VA lenders (with over 10 loans originated) are GUARANTEED RATE, INC. (6.03%), UNITED WHOLESALE MORTGAGE, LLC (6.07%), .

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Bozeman (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 $587,500 (0.4%) $1,054,839 (-8.2%) 0.00 612
    2018-02-01 $609,000 (1.7%) $1,038,078 (-10.9%) 0.00 592
    2018-03-01 $625,000 (10.6%) $1,011,082 (-10.1%) 0.00 564
    2018-04-01 $598,000 (-0.2%) $967,599 (-15.8%) 0.00 551
    2018-05-01 $597,225 (-5.1%) $965,821 (-12.0%) 0.00 567
    2018-06-01 $599,000 (0.4%) $984,949 (-4.3%) 0.00 651
    2018-07-01 $561,500 (-5.6%) $943,222 (-10.4%) 0.00 729
    2018-08-01 $544,000 (-6.2%) $918,180 (-10.9%) 0.00 739
    2018-09-01 $499,000 (-16.4%) $898,572 (-14.4%) 0.00 740
    2018-10-01 $489,925 (-18.4%) $889,183 (-16.9%) 0.00 725
    2018-11-01 $497,125 (-13.7%) $932,468 (-10.6%) 0.00 665
    2018-12-01 $525,000 (-9.3%) $974,296 (-6.4%) 0.00 638
    2019-01-01 $558,700 (-4.9%) $1,084,402 (2.8%) 0.00 584
    2019-02-01 $581,115 (-4.6%) $1,098,115 (5.8%) 0.00 550
    2019-03-01 $596,698 (-4.5%) $1,107,555 (9.5%) 0.00 547
    2019-04-01 $617,238 (3.2%) $1,107,691 (14.5%) 0.00 552
    2019-05-01 $609,225 (2.0%) $1,064,761 (10.2%) 0.00 583
    2019-06-01 $600,000 (0.2%) $1,051,622 (6.8%) 0.00 657
    2019-07-01 $611,238 (8.9%) $1,067,480 (13.2%) 0.00 725
    2019-08-01 $636,264 (17.0%) $1,087,911 (18.5%) 0.00 756
    2019-09-01 $615,809 (23.4%) $1,083,516 (20.6%) 0.00 772
    2019-10-01 $602,173 (22.9%) $1,088,262 (22.4%) 0.00 778
    2019-11-01 $599,900 (20.7%) $1,111,600 (19.2%) 0.00 723
    2019-12-01 $609,225 (16.0%) $1,141,110 (17.1%) 0.00 674
    2020-01-01 $622,850 (11.5%) $1,232,843 (13.7%) 0.00 619
    2020-02-01 $674,000 (16.0%) $1,281,254 (16.7%) 0.00 576
    2020-03-01 $649,000 (8.8%) $1,238,848 (11.9%) 0.00 582
    2020-04-01 $604,950 (-2.0%) $1,210,484 (9.3%) 0.00 653
    2020-05-01 $620,000 (1.8%) $1,229,809 (15.5%) 0.00 683
    2020-06-01 $734,500 (22.4%) $1,340,088 (27.4%) 0.00 658
    2020-07-01 $782,000 (27.9%) $1,425,619 (33.6%) 0.00 574
    2020-08-01 $844,000 (32.7%) $1,499,579 (37.8%) 0.00 489
    2020-09-01 $977,000 (58.7%) $1,694,576 (56.4%) 0.00 367
    2020-10-01 $967,250 (60.6%) $1,754,379 (61.2%) 0.00 313
    2020-11-01 $1,145,844 (91.0%) $1,961,614 (76.5%) 0.00 256
    2020-12-01 $1,208,000 (98.3%) $2,086,545 (82.9%) 0.00 242
    2021-01-01 $1,300,000 (108.7%) $2,280,593 (85.0%) 0.00 212
    2021-02-01 $1,317,700 (95.5%) $2,397,430 (87.1%) 0.00 192
    2021-03-01 $1,145,000 (76.4%) $2,214,037 (78.7%) 0.00 178
    2021-04-01 $988,000 (63.3%) $2,083,180 (72.1%) 0.00 178
    2021-05-01 $1,100,000 (77.4%) $2,084,491 (69.5%) 0.00 203
    2021-06-01 $965,000 (31.4%) $1,879,519 (40.3%) 0.00 274
    2021-07-01 $952,450 (21.8%) $1,879,519 (31.8%) 0.00 308
    2021-08-01 $862,000 (2.1%) $1,792,376 (19.5%) 0.00 333
    2021-09-01 $885,000 (-9.4%) $2,040,309 (20.4%) 0.00 324
    2021-10-01 $974,500 (0.8%) $2,128,937 (21.4%) 0.00 271
    2021-11-01 $1,345,000 (17.4%) $2,786,440 (42.1%) 0.00 220
    2021-12-01 $1,587,250 (31.4%) $3,050,953 (46.2%) 0.00 174
    2022-01-01 $1,850,000 (42.3%) $3,342,200 (46.6%) 0.00 150
    2022-02-01 $1,454,000 (10.3%) $3,002,552 (25.2%) 0.00 165
    2022-03-01 $1,445,000 (26.2%) $2,651,269 (19.8%) 0.00 179
    2022-04-01 $1,350,000 (36.6%) $2,240,329 (7.5%) 0.00 234
    2022-05-01 $1,054,975 (-4.1%) $1,969,086 (-5.5%) 0.00 328
    2022-06-01 $992,000 (2.8%) $1,852,187 (-1.5%) 0.00 449
    2022-07-01 $1,049,500 (10.2%) $1,869,287 (-0.5%) 0.00 582
    2022-08-01 $1,065,000 (23.6%) $1,843,457 (2.9%) 0.00 645
    2022-09-01 $1,010,000 (14.1%) $1,868,541 (-8.4%) 0.00 625
    2022-10-01 $995,000 (2.1%) $1,828,075 (-14.1%) 0.00 601
    2022-11-01 $995,000 (-26.0%) $1,904,181 (-31.7%) 0.00 551
    2022-12-01 $999,450 (-37.0%) $1,961,170 (-35.7%) 0.00 497
    2023-01-01 $1,149,725 (-37.9%) $2,165,566 (-35.2%) 0.00 454
    2023-02-01 $1,298,250 (-10.7%) $2,279,802 (-24.1%) 0.00 447
    2023-03-01 $1,306,250 (-9.6%) $2,282,694 (-13.9%) 0.00 436
    2023-04-01 $1,325,000 (-1.9%) $2,217,396 (-1.0%) 0.00 436
    2023-05-01 $1,299,250 (23.2%) $2,171,186 (10.3%) 0.00 453
    2023-06-01 $1,233,500 (24.3%) $2,090,239 (12.9%) 0.00 509
    2023-07-01 $1,265,000 (20.5%) $2,230,592 (19.3%) 0.00 575
    2023-08-01 $1,137,250 (6.8%) $2,153,739 (16.8%) 0.00 611
    2023-09-01 $1,050,000 (4.0%) $2,193,537 (17.4%) 0.00 621
    2023-10-01 $1,095,000 (10.1%) $2,151,967 (17.7%) 0.00 587
    2023-11-01 $1,098,500 (10.4%) $2,264,361 (18.9%) 0.00 539
    2023-12-01 $1,198,000 (19.9%) $2,391,346 (21.9%) 0.00 521
    2024-01-01 $1,243,750 (8.2%) $2,522,851 (16.5%) 0.00 486
    2024-02-01 $1,250,000 (-3.7%) $2,502,640 (9.8%) 0.00 488
    2024-03-01 $1,112,500 (-14.8%) $2,419,985 (6.0%) 0.00 513
    2024-04-01 $1,066,500 (-19.5%) $2,256,185 (1.8%) 0.00 573
    2024-05-01 $1,017,500 (-21.7%) $2,101,808 (-3.2%) 0.00 633
    2024-06-01 $990,000 (-19.7%) $1,991,830 (-4.7%) 0.00 735
    2024-07-01 $996,750 (-21.2%) $2,066,488 (-7.4%) 0.00 839
    2024-08-01 $995,000 (-12.5%) $2,075,796 (-3.6%) 0.00 847
    2024-09-01 $976,000 (-7.1%) $2,049,606 (-6.6%) 0.00 833
    2024-10-01 $962,450 (-12.1%) $2,050,267 (-4.7%) 0.00 802
    2024-11-01 $950,000 (-13.5%) $2,161,454 (-4.5%) 0.00 720
    2024-12-01 $950,000 (-20.7%) $2,258,572 (-5.6%) 0.00 628
    2025-01-01 $996,000 (-19.9%) $2,413,531 (-4.3%) 0.00 561
    2025-02-01 $1,014,125 (-18.9%) $2,499,367 (-0.1%) 0.00 531
    2025-03-01 $995,000 (-10.6%) $2,376,317 (-1.8%) 0.00 571
    2025-04-01 $972,750 (-8.8%) $2,137,255 (-5.3%) 0.00 639
    Bozeman's median listing price for 2025-04-01 was $972,750, a difference of $-93,750 (-8.8%) versus the prior year and $-22,250 versus the prior month.

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

    Bozeman's average listing price for 2025-04-01 was $2,137,255, a difference of $-118,930 (-5.3%) versus the prior year and $-239,062 versus the prior month.

    For the 2025-04-01 period, Bozeman had 639 MLS listings, a difference of 68 listings (12%) versus the prior month and 66 listings (12%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Bozeman (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 2,350 sqft
    2018-02-01 0 days 2,315 sqft
    2018-03-01 0 days 2,355 sqft
    2018-04-01 0 days 2,372 sqft
    2018-05-01 0 days 2,413 sqft
    2018-06-01 0 days 2,549 sqft
    2018-07-01 0 days 2,552 sqft
    2018-08-01 0 days 2,456 sqft
    2018-09-01 0 days 2,307 sqft
    2018-10-01 0 days 2,234 sqft
    2018-11-01 0 days 2,291 sqft
    2018-12-01 0 days 2,316 sqft
    2019-01-01 0 days 2,317 sqft
    2019-02-01 0 days 2,334 sqft
    2019-03-01 0 days 2,358 sqft
    2019-04-01 0 days 2,395 sqft
    2019-05-01 0 days 2,351 sqft
    2019-06-01 0 days 2,374 sqft
    2019-07-01 0 days 2,386 sqft
    2019-08-01 0 days 2,387 sqft
    2019-09-01 0 days 2,336 sqft
    2019-10-01 0 days 2,301 sqft
    2019-11-01 0 days 2,286 sqft
    2019-12-01 0 days 2,246 sqft
    2020-01-01 0 days 2,245 sqft
    2020-02-01 0 days 2,260 sqft
    2020-03-01 0 days 2,256 sqft
    2020-04-01 0 days 2,213 sqft
    2020-05-01 0 days 2,241 sqft
    2020-06-01 0 days 2,352 sqft
    2020-07-01 0 days 2,432 sqft
    2020-08-01 0 days 2,482 sqft
    2020-09-01 0 days 2,531 sqft
    2020-10-01 0 days 2,546 sqft
    2020-11-01 0 days 2,549 sqft
    2020-12-01 0 days 2,529 sqft
    2021-01-01 0 days 2,625 sqft
    2021-02-01 0 days 2,729 sqft
    2021-03-01 0 days 2,755 sqft
    2021-04-01 0 days 2,724 sqft
    2021-05-01 0 days 2,794 sqft
    2021-06-01 0 days 2,585 sqft
    2021-07-01 0 days 2,544 sqft
    2021-08-01 0 days 2,397 sqft
    2021-09-01 0 days 2,405 sqft
    2021-10-01 0 days 2,432 sqft
    2021-11-01 0 days 2,897 sqft
    2021-12-01 0 days 3,121 sqft
    2022-01-01 0 days 3,089 sqft
    2022-02-01 0 days 2,583 sqft
    2022-03-01 0 days 2,447 sqft
    2022-04-01 0 days 2,145 sqft
    2022-05-01 0 days 2,245 sqft
    2022-06-01 0 days 2,222 sqft
    2022-07-01 0 days 2,304 sqft
    2022-08-01 0 days 2,262 sqft
    2022-09-01 0 days 2,337 sqft
    2022-10-01 0 days 2,349 sqft
    2022-11-01 0 days 2,340 sqft
    2022-12-01 0 days 2,379 sqft
    2023-01-01 0 days 2,404 sqft
    2023-02-01 0 days 2,387 sqft
    2023-03-01 0 days 2,418 sqft
    2023-04-01 0 days 2,342 sqft
    2023-05-01 0 days 2,350 sqft
    2023-06-01 0 days 2,347 sqft
    2023-07-01 0 days 2,437 sqft
    2023-08-01 0 days 2,384 sqft
    2023-09-01 0 days 2,346 sqft
    2023-10-01 0 days 2,320 sqft
    2023-11-01 0 days 2,198 sqft
    2023-12-01 0 days 2,176 sqft
    2024-01-01 0 days 2,151 sqft
    2024-02-01 0 days 2,115 sqft
    2024-03-01 0 days 2,084 sqft
    2024-04-01 0 days 2,082 sqft
    2024-05-01 0 days 2,087 sqft
    2024-06-01 0 days 2,152 sqft
    2024-07-01 0 days 2,173 sqft
    2024-08-01 0 days 2,204 sqft
    2024-09-01 0 days 2,197 sqft
    2024-10-01 0 days 2,191 sqft
    2024-11-01 0 days 2,180 sqft
    2024-12-01 0 days 2,133 sqft
    2025-01-01 0 days 2,175 sqft
    2025-02-01 0 days 2,161 sqft
    2025-03-01 0 days 2,180 sqft
    2025-04-01 0 days 2,070 sqft
    Bozeman's median listing age (time on market) for 2025-04-01 was 0 days.

    Bozeman's median square footage for active listings during the 2025-04-01 period was 2,070 sqft. One year prior, the average listing was 2,082 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.