Breckenridge VA Loan Rates, Closing Costs & Stats

Breckenridge, CO

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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.

    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 6.94% for the week of 2025-02-14, compared to the national average (all VA variants) of 6.428% for the same period.

    Breckenridge's average VA mortgage closing costs are $9,333.

    The average rate for the prior week (2025-02-07) was 6.57% and one month ago for the week of 2025-01-10, the average rate was 6.81%.

    The average rate one year ago was 6.73%.

    For refis of the same type during the week of 2025-02-14, the average rate was 6.33%.

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

    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. Louis
    Date Median Listing Price (YoY Change) Average Listing Price (YoY) MSA/US Median Price Ratio Active Listings
    2018-01-01 $1,012,000 (12.8%) $1,458,550 (13.9%) 0.00 285
    2018-02-01 $955,725 (9.2%) $1,443,993 (11.3%) 0.00 289
    2018-03-01 $920,000 (8.3%) $1,407,120 (8.9%) 0.00 311
    2018-04-01 $817,450 (-2.7%) $1,307,676 (6.1%) 0.00 368
    2018-05-01 $792,000 (-1.7%) $1,285,579 (8.8%) 0.00 384
    2018-06-01 $827,250 (2.9%) $1,289,033 (12.3%) 0.00 475
    2018-07-01 $844,450 (5.6%) $1,334,356 (12.3%) 0.00 539
    2018-08-01 $849,750 (6.6%) $1,346,191 (13.7%) 0.00 551
    2018-09-01 $849,500 (3.0%) $1,359,689 (10.2%) 0.00 528
    2018-10-01 $858,250 (-4.5%) $1,375,863 (4.2%) 0.00 490
    2018-11-01 $869,399 (-9.9%) $1,407,305 (-0.7%) 0.00 435
    2018-12-01 $899,000 (-5.3%) $1,487,494 (2.4%) 0.00 389
    2019-01-01 $866,500 (-14.4%) $1,486,884 (1.9%) 0.00 360
    2019-02-01 $793,250 (-17.0%) $1,385,275 (-4.1%) 0.00 377
    2019-03-01 $717,857 (-22.0%) $1,249,409 (-11.2%) 0.00 446
    2019-04-01 $628,106 (-23.2%) $1,075,687 (-17.7%) 0.00 546
    2019-05-01 $626,750 (-20.9%) $1,034,164 (-19.6%) 0.00 621
    2019-06-01 $624,000 (-24.6%) $1,022,296 (-20.7%) 0.00 764
    2019-07-01 $638,500 (-24.4%) $1,032,420 (-22.6%) 0.00 869
    2019-08-01 $633,818 (-25.4%) $1,027,289 (-23.7%) 0.00 877
    2019-09-01 $626,045 (-26.3%) $1,013,666 (-25.5%) 0.00 841
    2019-10-01 $620,864 (-27.7%) $1,009,396 (-26.6%) 0.00 805
    2019-11-01 $679,000 (-21.9%) $1,153,899 (-18.0%) 0.00 749
    2019-12-01 $670,000 (-25.5%) $1,111,582 (-25.3%) 0.00 746
    2020-01-01 $639,000 (-26.3%) $1,023,658 (-31.2%) 0.00 740
    2020-02-01 $670,000 (-15.5%) $1,163,299 (-16.0%) 0.00 633
    2020-03-01 $663,500 (-7.6%) $1,136,053 (-9.1%) 0.00 683
    2020-04-01 $653,750 (4.1%) $1,082,324 (0.6%) 0.00 724
    2020-05-01 $644,000 (2.8%) $1,057,585 (2.3%) 0.00 783
    2020-06-01 $654,500 (4.9%) $1,039,529 (1.7%) 0.00 983
    2020-07-01 $666,950 (4.5%) $1,054,880 (2.2%) 0.00 1,087
    2020-08-01 $679,000 (7.1%) $1,108,179 (7.9%) 0.00 1,050
    2020-09-01 $679,000 (8.5%) $1,134,938 (12.0%) 0.00 957
    2020-10-01 $679,000 (9.4%) $1,161,658 (15.1%) 0.00 829
    2020-11-01 $698,000 (2.8%) $1,213,574 (5.2%) 0.00 643
    2020-12-01 $699,000 (4.3%) $1,234,466 (11.1%) 0.00 563
    2021-01-01 $716,000 (12.1%) $1,244,860 (21.6%) 0.00 538
    2021-02-01 $704,750 (5.2%) $1,181,551 (1.6%) 0.00 572
    2021-03-01 $738,500 (11.3%) $1,268,389 (11.7%) 0.00 560
    2021-04-01 $778,875 (19.1%) $1,345,612 (24.3%) 0.00 561
    2021-05-01 $795,000 (23.5%) $1,324,187 (25.2%) 0.00 601
    2021-06-01 $822,475 (25.7%) $1,333,522 (28.3%) 0.00 636
    2021-07-01 $815,000 (22.2%) $1,320,209 (25.2%) 0.00 705
    2021-08-01 $827,500 (21.9%) $1,428,108 (28.9%) 0.00 728
    2021-09-01 $870,000 (28.1%) $1,449,783 (27.7%) 0.00 741
    2021-10-01 $925,000 (36.2%) $1,490,896 (28.3%) 0.00 658
    2021-11-01 $943,000 (35.1%) $1,583,914 (30.5%) 0.00 534
    2021-12-01 $995,000 (42.4%) $1,735,054 (40.6%) 0.00 477
    2022-01-01 $1,061,354 (48.2%) $1,838,434 (47.7%) 0.00 461
    2022-02-01 $997,500 (41.5%) $1,755,286 (48.6%) 0.00 515
    2022-03-01 $1,065,103 (44.2%) $1,789,928 (41.1%) 0.00 540
    2022-04-01 $1,119,222 (43.7%) $1,822,240 (35.4%) 0.00 557
    2022-05-01 $1,110,736 (39.7%) $1,819,292 (37.4%) 0.00 636
    2022-06-01 $1,110,736 (35.1%) $1,808,365 (35.6%) 0.00 733
    2022-07-01 $1,119,222 (37.3%) $1,796,128 (36.1%) 0.00 895
    2022-08-01 $1,150,000 (39.0%) $1,848,161 (29.4%) 0.00 913
    2022-09-01 $1,188,750 (36.6%) $1,836,399 (26.7%) 0.00 909
    2022-10-01 $1,200,000 (29.7%) $1,904,480 (27.7%) 0.00 794
    2022-11-01 $1,190,000 (26.2%) $1,891,068 (19.4%) 0.00 710
    2022-12-01 $1,219,000 (22.5%) $1,958,077 (12.9%) 0.00 651
    2023-01-01 $1,259,000 (18.6%) $2,049,810 (11.5%) 0.00 610
    2023-02-01 $1,237,500 (24.1%) $1,978,303 (12.7%) 0.00 594
    2023-03-01 $1,250,000 (17.4%) $1,929,678 (7.8%) 0.00 600
    2023-04-01 $1,249,000 (11.6%) $1,812,550 (-0.5%) 0.00 628
    2023-05-01 $1,120,667 (0.9%) $1,711,014 (-6.0%) 0.00 663
    2023-06-01 $1,125,850 (1.4%) $1,745,754 (-3.5%) 0.00 721
    2023-07-01 $1,119,222 (0.0%) $1,731,377 (-3.6%) 0.00 847
    2023-08-01 $1,100,000 (-4.4%) $1,761,347 (-4.7%) 0.00 898
    2023-09-01 $1,099,000 (-7.6%) $1,694,161 (-7.8%) 0.00 993
    2023-10-01 $1,100,000 (-8.3%) $1,861,956 (-2.2%) 0.00 504
    2023-11-01 $1,091,250 (-8.3%) $1,891,549 (0.0%) 0.00 461
    2023-12-01 $1,100,000 (-9.8%) $1,914,296 (-2.2%) 0.00 408
    2024-01-01 $1,100,000 (-12.6%) $2,036,563 (-0.7%) 0.00 367
    2024-02-01 $1,102,500 (-10.9%) $2,023,436 (2.3%) 0.00 373
    2024-03-01 $1,062,500 (-15.0%) $1,961,195 (1.6%) 0.00 423
    2024-04-01 $1,063,250 (-14.9%) $1,909,531 (5.4%) 0.00 458
    2024-05-01 $1,050,000 (-6.3%) $1,882,785 (10.0%) 0.00 515
    2024-06-01 $1,035,000 (-8.1%) $1,762,759 (1.0%) 0.00 675
    2024-07-01 $1,124,712 (0.5%) $1,831,682 (5.8%) 0.00 800
    2024-08-01 $1,117,212 (1.6%) $1,762,810 (0.1%) 0.00 802
    2024-09-01 $1,195,000 (8.7%) $1,807,519 (6.7%) 0.00 748
    2024-10-01 $1,187,000 (7.9%) $1,789,616 (-3.9%) 0.00 697
    2024-11-01 $1,175,000 (7.7%) $1,806,392 (-4.5%) 0.00 601
    2024-12-01 $1,132,000 (2.9%) $1,834,555 (-4.2%) 0.00 541
    2025-01-01 $1,140,000 (3.6%) $1,892,476 (-7.1%) 0.00 490
    Breckenridge's median listing price for 2025-01-01 was $1,140,000, a difference of $40,000 (3.6%) versus the prior year and $8,000 versus the prior month.

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

    Breckenridge's average listing price for 2025-01-01 was $1,892,476, a difference of $-144,087 (-7.1%) versus the prior year and $57,921 versus the prior month.

    For the 2025-01-01 period, Breckenridge had 490 MLS listings, a difference of -51 listings (-9%) versus the prior month and 123 listings (34%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Breckenridge (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 2,298 sqft
    2018-02-01 0 days 2,131 sqft
    2018-03-01 0 days 2,035 sqft
    2018-04-01 0 days 1,836 sqft
    2018-05-01 0 days 1,801 sqft
    2018-06-01 0 days 1,852 sqft
    2018-07-01 0 days 1,995 sqft
    2018-08-01 0 days 2,021 sqft
    2018-09-01 0 days 2,056 sqft
    2018-10-01 0 days 2,007 sqft
    2018-11-01 0 days 1,883 sqft
    2018-12-01 0 days 2,018 sqft
    2019-01-01 0 days 1,793 sqft
    2019-02-01 0 days 1,595 sqft
    2019-03-01 0 days 1,421 sqft
    2019-04-01 0 days 1,233 sqft
    2019-05-01 0 days 1,202 sqft
    2019-06-01 0 days 1,238 sqft
    2019-07-01 0 days 1,326 sqft
    2019-08-01 0 days 1,342 sqft
    2019-09-01 0 days 1,325 sqft
    2019-10-01 0 days 1,313 sqft
    2019-11-01 0 days 1,427 sqft
    2019-12-01 0 days 1,335 sqft
    2020-01-01 0 days 1,187 sqft
    2020-02-01 0 days 1,231 sqft
    2020-03-01 0 days 1,214 sqft
    2020-04-01 0 days 1,220 sqft
    2020-05-01 0 days 1,229 sqft
    2020-06-01 0 days 1,281 sqft
    2020-07-01 0 days 1,326 sqft
    2020-08-01 0 days 1,338 sqft
    2020-09-01 0 days 1,265 sqft
    2020-10-01 0 days 1,250 sqft
    2020-11-01 0 days 1,276 sqft
    2020-12-01 0 days 1,241 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 1,247 sqft
    2021-06-01 0 days 1,360 sqft
    2021-07-01 0 days 1,385 sqft
    2021-08-01 0 days 1,386 sqft
    2021-09-01 0 days 1,393 sqft
    2021-10-01 0 days 1,526 sqft
    2021-11-01 0 days 1,588 sqft
    2021-12-01 0 days 1,581 sqft
    2022-01-01 0 days 1,580 sqft
    2022-02-01 0 days 1,414 sqft
    2022-03-01 0 days 1,404 sqft
    2022-04-01 0 days 1,479 sqft
    2022-05-01 0 days 1,526 sqft
    2022-06-01 0 days 1,535 sqft
    2022-07-01 0 days 1,580 sqft
    2022-08-01 0 days 1,646 sqft
    2022-09-01 0 days 1,596 sqft
    2022-10-01 0 days 1,580 sqft
    2022-11-01 0 days 1,552 sqft
    2022-12-01 0 days 1,604 sqft
    2023-01-01 0 days 1,594 sqft
    2023-02-01 0 days 1,535 sqft
    2023-03-01 0 days 1,498 sqft
    2023-04-01 0 days 1,414 sqft
    2023-05-01 0 days 1,347 sqft
    2023-06-01 0 days 1,350 sqft
    2023-07-01 0 days 1,404 sqft
    2023-08-01 0 days 1,385 sqft
    2023-09-01 0 days 1,375 sqft
    2023-10-01 0 days 1,432 sqft
    2023-11-01 0 days 1,404 sqft
    2023-12-01 0 days 1,353 sqft
    2024-01-01 0 days 1,277 sqft
    2024-02-01 0 days 1,266 sqft
    2024-03-01 0 days 1,250 sqft
    2024-04-01 0 days 1,253 sqft
    2024-05-01 0 days 1,273 sqft
    2024-06-01 0 days 1,258 sqft
    2024-07-01 0 days 1,346 sqft
    2024-08-01 0 days 1,347 sqft
    2024-09-01 0 days 1,423 sqft
    2024-10-01 0 days 1,424 sqft
    2024-11-01 0 days 1,387 sqft
    2024-12-01 0 days 1,355 sqft
    2025-01-01 0 days 1,351 sqft
    Breckenridge's median listing age (time on market) for 2025-01-01 was 0 days.

    Breckenridge's median square footage for active listings during the 2025-01-01 period was 1,351 sqft. One year prior, the average listing was 1,277 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.