Breckenridge VA Loan Rates, Closing Costs & Stats
Breckenridge, CO
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.
Breckenridge's 10 lenders originated 11 VA loans during 2023. The total origination value was $6,735,000, with an average VA loan value of $612,273.
Breckenridge VA Loans, 30 Year Fixed Rates
30 Year VA mortgages in Breckenridge
averaged
0.21%
for the week of 2024-11-29, compared to the national average (all VA variants) of
0% for the same period.
Breckenridge's average VA mortgage closing costs are $9,333.
The average rate for the prior week (2024-11-22) was
6.68% and
one month ago for the week of 2024-10-25, the
average rate was 6.47%.
The average rate one year ago was 7.12%.
For refis of the same type during the week of 2024-11-29, the average rate
was -0.1%.
Breckenridge 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 Breckenridge level.
Name | # of Loans | 2023 Avg. 30yFix Rate | 2023 Avg. Closing Costs |
---|---|---|---|
Mortgage Research Center, LLC | 2 | 6.12% | $2,968 |
Barrington Bank & Trust Company, N.A. | 1 | 6.13% | $24,506 |
CMG MORTGAGE, INC. | 1 | 6.75% | $3,336 |
CROSSCOUNTRY MORTGAGE, LLC | 1 | 7.25% | $7,645 |
FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 1 | 6.75% | $12,282 |
Flagstar Bank, FSB | 1 | 6.13% | $8,586 |
MOVEMENT MORTGAGE, LLC | 1 | 6.25% | $5,522 |
NAVY FEDERAL CREDIT UNION | 1 | 5.38% | $3,352 |
Bank of England | 1 | 5.00% | $22,524 |
UNITED WHOLESALE MORTGAGE, LLC | 1 | 5.38% | $17,613 |
The top Breckenridge VA lender as defined by loan originations is Mortgage Research Center, LLC, with
2 VA loans originated. Their average total fees are
$2,968, which is $21,537
lower than the next largest lender,
Barrington Bank & Trust Company, N.A..
The lowest fee Breckenridge VA lenders (with over 10 loans originated) are
.
The lowest rate Breckenridge VA lenders (with over 10 loans originated) are
.
Market Conditions (Median, Average Prices & Listing Count)
Realtor.com - Breckenridge (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 | $1,091,500 (10.3%) | $1,526,219 (12.2%) | 0.00 | 267 |
2018-02-01 | $1,024,000 (9.9%) | $1,497,516 (8.6%) | 0.00 | 273 |
2018-03-01 | $949,000 (6.4%) | $1,449,440 (7.3%) | 0.00 | 300 |
2018-04-01 | $839,000 (-4.9%) | $1,335,104 (3.8%) | 0.00 | 353 |
2018-05-01 | $814,000 (-2.3%) | $1,322,119 (7.3%) | 0.00 | 363 |
2018-06-01 | $854,000 (0.5%) | $1,336,460 (10.1%) | 0.00 | 442 |
2018-07-01 | $904,000 (3.3%) | $1,391,298 (10.0%) | 0.00 | 503 |
2018-08-01 | $925,750 (9.0%) | $1,405,935 (11.4%) | 0.00 | 512 |
2018-09-01 | $928,500 (0.5%) | $1,436,871 (8.3%) | 0.00 | 487 |
2018-10-01 | $913,625 (-7.6%) | $1,457,086 (1.9%) | 0.00 | 449 |
2018-11-01 | $944,750 (-11.2%) | $1,479,372 (-2.1%) | 0.00 | 405 |
2018-12-01 | $968,750 (-9.3%) | $1,547,372 (0.9%) | 0.00 | 366 |
2019-01-01 | $913,000 (-16.4%) | $1,542,808 (1.1%) | 0.00 | 341 |
2019-02-01 | $816,000 (-20.3%) | $1,427,096 (-4.7%) | 0.00 | 360 |
2019-03-01 | $750,429 (-20.9%) | $1,280,574 (-11.7%) | 0.00 | 430 |
2019-04-01 | $644,000 (-23.2%) | $1,096,735 (-17.9%) | 0.00 | 528 |
2019-05-01 | $639,225 (-21.5%) | $1,054,213 (-20.3%) | 0.00 | 595 |
2019-06-01 | $649,000 (-24.0%) | $1,050,754 (-21.4%) | 0.00 | 726 |
2019-07-01 | $649,000 (-28.2%) | $1,063,280 (-23.6%) | 0.00 | 824 |
2019-08-01 | $644,273 (-30.4%) | $1,054,435 (-25.0%) | 0.00 | 837 |
2019-09-01 | $635,682 (-31.5%) | $1,035,914 (-27.9%) | 0.00 | 806 |
2019-10-01 | $629,955 (-31.1%) | $1,029,246 (-29.4%) | 0.00 | 772 |
2019-11-01 | $692,000 (-26.8%) | $1,179,438 (-20.3%) | 0.00 | 718 |
2019-12-01 | $678,225 (-30.0%) | $1,134,738 (-26.7%) | 0.00 | 716 |
2020-01-01 | $645,000 (-29.4%) | $1,035,997 (-32.9%) | 0.00 | 722 |
2020-02-01 | $689,000 (-15.6%) | $1,180,557 (-17.3%) | 0.00 | 619 |
2020-03-01 | $675,000 (-10.1%) | $1,154,753 (-9.8%) | 0.00 | 665 |
2020-04-01 | $663,750 (3.1%) | $1,104,414 (0.7%) | 0.00 | 696 |
2020-05-01 | $649,900 (1.7%) | $1,079,527 (2.4%) | 0.00 | 754 |
2020-06-01 | $664,975 (2.5%) | $1,057,983 (0.7%) | 0.00 | 953 |
2020-07-01 | $673,750 (3.8%) | $1,072,146 (0.8%) | 0.00 | 1,053 |
2020-08-01 | $689,000 (6.9%) | $1,124,630 (6.7%) | 0.00 | 1,018 |
2020-09-01 | $682,000 (7.3%) | $1,148,503 (10.9%) | 0.00 | 935 |
2020-10-01 | $692,000 (9.9%) | $1,183,486 (15.0%) | 0.00 | 800 |
2020-11-01 | $699,975 (1.2%) | $1,236,400 (4.8%) | 0.00 | 623 |
2020-12-01 | $700,000 (3.2%) | $1,252,779 (10.4%) | 0.00 | 551 |
2021-01-01 | $723,500 (12.2%) | $1,261,539 (21.8%) | 0.00 | 526 |
2021-02-01 | $713,250 (3.5%) | $1,189,564 (0.8%) | 0.00 | 563 |
2021-03-01 | $739,750 (9.6%) | $1,273,618 (10.3%) | 0.00 | 552 |
2021-04-01 | $778,500 (17.3%) | $1,351,939 (22.4%) | 0.00 | 555 |
2021-05-01 | $799,000 (22.9%) | $1,337,270 (23.9%) | 0.00 | 587 |
2021-06-01 | $831,225 (25.0%) | $1,355,183 (28.1%) | 0.00 | 613 |
2021-07-01 | $829,950 (23.2%) | $1,343,272 (25.3%) | 0.00 | 673 |
2021-08-01 | $839,000 (21.8%) | $1,456,499 (29.5%) | 0.00 | 697 |
2021-09-01 | $885,000 (29.8%) | $1,478,572 (28.7%) | 0.00 | 708 |
2021-10-01 | $949,500 (37.2%) | $1,529,305 (29.2%) | 0.00 | 626 |
2021-11-01 | $955,125 (36.5%) | $1,615,335 (30.7%) | 0.00 | 513 |
2021-12-01 | $1,003,225 (43.3%) | $1,755,254 (40.1%) | 0.00 | 464 |
2022-01-01 | $1,068,677 (47.7%) | $1,849,330 (46.6%) | 0.00 | 451 |
2022-02-01 | $1,022,500 (43.4%) | $1,768,073 (48.6%) | 0.00 | 500 |
2022-03-01 | $1,073,971 (45.2%) | $1,802,142 (41.5%) | 0.00 | 524 |
2022-04-01 | $1,125,000 (44.5%) | $1,834,710 (35.7%) | 0.00 | 543 |
2022-05-01 | $1,143,000 (43.1%) | $1,845,058 (38.0%) | 0.00 | 612 |
2022-06-01 | $1,160,000 (39.6%) | $1,848,654 (36.4%) | 0.00 | 700 |
2022-07-01 | $1,180,000 (42.2%) | $1,844,960 (37.4%) | 0.00 | 849 |
2022-08-01 | $1,193,750 (42.3%) | $1,891,985 (29.9%) | 0.00 | 875 |
2022-09-01 | $1,236,500 (39.7%) | $1,880,760 (27.2%) | 0.00 | 871 |
2022-10-01 | $1,250,000 (31.7%) | $1,944,412 (27.1%) | 0.00 | 764 |
2022-11-01 | $1,200,038 (25.6%) | $1,937,441 (19.9%) | 0.00 | 683 |
2022-12-01 | $1,250,000 (24.6%) | $2,000,892 (14.0%) | 0.00 | 629 |
2023-01-01 | $1,300,200 (21.7%) | $2,094,321 (13.3%) | 0.00 | 591 |
2023-02-01 | $1,279,600 (25.1%) | $2,017,474 (14.1%) | 0.00 | 576 |
2023-03-01 | $1,297,000 (20.8%) | $1,974,457 (9.6%) | 0.00 | 580 |
2023-04-01 | $1,275,000 (13.3%) | $1,856,854 (1.2%) | 0.00 | 604 |
2023-05-01 | $1,180,000 (3.2%) | $1,771,708 (-4.0%) | 0.00 | 631 |
2023-06-01 | $1,198,000 (3.3%) | $1,818,069 (-1.7%) | 0.00 | 678 |
2023-07-01 | $1,195,000 (1.3%) | $1,806,234 (-2.1%) | 0.00 | 787 |
2023-08-01 | $1,193,050 (-0.1%) | $1,807,474 (-4.5%) | 0.00 | 840 |
2023-09-01 | $1,154,000 (-6.7%) | $1,739,497 (-7.5%) | 0.00 | 931 |
2023-10-01 | $1,185,000 (-5.2%) | $1,952,178 (0.4%) | 0.00 | 451 |
2023-11-01 | $1,177,500 (-1.9%) | $1,985,698 (2.5%) | 0.00 | 411 |
2023-12-01 | $1,199,500 (-4.0%) | $2,017,460 (0.8%) | 0.00 | 364 |
2024-01-01 | $1,188,000 (-8.6%) | $2,149,303 (2.6%) | 0.00 | 326 |
2024-02-01 | $1,176,000 (-8.1%) | $2,108,563 (4.5%) | 0.00 | 339 |
2024-03-01 | $1,125,000 (-13.3%) | $2,013,444 (2.0%) | 0.00 | 390 |
2024-04-01 | $1,125,000 (-11.8%) | $1,959,791 (5.5%) | 0.00 | 427 |
2024-05-01 | $1,119,750 (-5.1%) | $1,942,430 (9.6%) | 0.00 | 476 |
2024-06-01 | $1,092,500 (-8.8%) | $1,815,796 (-0.1%) | 0.00 | 624 |
2024-07-01 | $1,193,750 (-0.1%) | $1,894,414 (4.9%) | 0.00 | 740 |
2024-08-01 | $1,195,000 (0.2%) | $1,822,495 (0.8%) | 0.00 | 742 |
2024-09-01 | $1,249,600 (8.3%) | $1,867,850 (7.4%) | 0.00 | 689 |
2024-10-01 | $1,262,000 (6.5%) | $1,844,298 (-5.5%) | 0.00 | 643 |
Breckenridge's median listing price comes in at 0% of the national average.
Breckenridge's average listing price for 2024-10-01 was $1,844,298, a difference of $-107,880 (-5.5%) versus the prior year and $-23,552 versus the prior month.
For the 2024-10-01 period, Breckenridge had 643 MLS listings, a difference of -46 listings (-7%) versus the prior month and 192 listings (43%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - Breckenridge (CBSA) retrieved from FRED, Federal Reserve Bank of St. LouisDate | Median Listing Time on Market | Median Square Footage |
---|---|---|
2018-01-01 | 0 days | 2,269 sqft |
2018-02-01 | 0 days | 2,115 sqft |
2018-03-01 | 0 days | 2,034 sqft |
2018-04-01 | 0 days | 1,837 sqft |
2018-05-01 | 0 days | 1,821 sqft |
2018-06-01 | 0 days | 1,847 sqft |
2018-07-01 | 0 days | 1,983 sqft |
2018-08-01 | 0 days | 1,982 sqft |
2018-09-01 | 0 days | 2,056 sqft |
2018-10-01 | 0 days | 2,039 sqft |
2018-11-01 | 0 days | 1,949 sqft |
2018-12-01 | 0 days | 1,999 sqft |
2019-01-01 | 0 days | 1,819 sqft |
2019-02-01 | 0 days | 1,590 sqft |
2019-03-01 | 0 days | 1,420 sqft |
2019-04-01 | 0 days | 1,205 sqft |
2019-05-01 | 0 days | 1,200 sqft |
2019-06-01 | 0 days | 1,202 sqft |
2019-07-01 | 0 days | 1,266 sqft |
2019-08-01 | 0 days | 1,321 sqft |
2019-09-01 | 0 days | 1,312 sqft |
2019-10-01 | 0 days | 1,304 sqft |
2019-11-01 | 0 days | 1,426 sqft |
2019-12-01 | 0 days | 1,328 sqft |
2020-01-01 | 0 days | 1,176 sqft |
2020-02-01 | 0 days | 1,228 sqft |
2020-03-01 | 0 days | 1,214 sqft |
2020-04-01 | 0 days | 1,215 sqft |
2020-05-01 | 0 days | 1,220 sqft |
2020-06-01 | 0 days | 1,255 sqft |
2020-07-01 | 0 days | 1,304 sqft |
2020-08-01 | 0 days | 1,335 sqft |
2020-09-01 | 0 days | 1,249 sqft |
2020-10-01 | 0 days | 1,231 sqft |
2020-11-01 | 0 days | 1,246 sqft |
2020-12-01 | 0 days | 1,232 sqft |
2021-01-01 | 0 days | 1,246 sqft |
2021-02-01 | 0 days | 1,246 sqft |
2021-03-01 | 0 days | 1,246 sqft |
2021-04-01 | 0 days | 1,246 sqft |
2021-05-01 | 0 days | 1,246 sqft |
2021-06-01 | 0 days | 1,322 sqft |
2021-07-01 | 0 days | 1,361 sqft |
2021-08-01 | 0 days | 1,378 sqft |
2021-09-01 | 0 days | 1,382 sqft |
2021-10-01 | 0 days | 1,477 sqft |
2021-11-01 | 0 days | 1,581 sqft |
2021-12-01 | 0 days | 1,581 sqft |
2022-01-01 | 0 days | 1,580 sqft |
2022-02-01 | 0 days | 1,395 sqft |
2022-03-01 | 0 days | 1,385 sqft |
2022-04-01 | 0 days | 1,456 sqft |
2022-05-01 | 0 days | 1,478 sqft |
2022-06-01 | 0 days | 1,482 sqft |
2022-07-01 | 0 days | 1,570 sqft |
2022-08-01 | 0 days | 1,613 sqft |
2022-09-01 | 0 days | 1,580 sqft |
2022-10-01 | 0 days | 1,570 sqft |
2022-11-01 | 0 days | 1,536 sqft |
2022-12-01 | 0 days | 1,604 sqft |
2023-01-01 | 0 days | 1,592 sqft |
2023-02-01 | 0 days | 1,524 sqft |
2023-03-01 | 0 days | 1,461 sqft |
2023-04-01 | 0 days | 1,354 sqft |
2023-05-01 | 0 days | 1,315 sqft |
2023-06-01 | 0 days | 1,329 sqft |
2023-07-01 | 0 days | 1,347 sqft |
2023-08-01 | 0 days | 1,347 sqft |
2023-09-01 | 0 days | 1,347 sqft |
2023-10-01 | 0 days | 1,399 sqft |
2023-11-01 | 0 days | 1,335 sqft |
2023-12-01 | 0 days | 1,320 sqft |
2024-01-01 | 0 days | 1,258 sqft |
2024-02-01 | 0 days | 1,255 sqft |
2024-03-01 | 0 days | 1,232 sqft |
2024-04-01 | 0 days | 1,249 sqft |
2024-05-01 | 0 days | 1,252 sqft |
2024-06-01 | 0 days | 1,206 sqft |
2024-07-01 | 0 days | 1,326 sqft |
2024-08-01 | 0 days | 1,332 sqft |
2024-09-01 | 0 days | 1,400 sqft |
2024-10-01 | 0 days | 1,400 sqft |
Breckenridge's median square footage for active listings during the 2024-10-01 period was 1,400 sqft. One year prior, the average listing was 1,399 sqft.