Cedartown VA Loan Rates, Closing Costs & Stats

Cedartown, GA

  • 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.

    Cedartown's 22 lenders originated 47 VA loans during 2023. The total origination value was $12,295,000, with an average VA loan value of $261,596.

    Cedartown VA Loans, 30 Year Fixed Rates

    30 Year VA mortgages in Cedartown 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.

    Cedartown's average VA mortgage closing costs are $5,512.

    The average rate for the prior week (2025-02-07) was 6.77% and one month ago for the week of 2025-01-10, the average rate was 6.81%.

    The average rate one year ago was 6.63%.

    For refis of the same type during the week of 2025-02-14, the average rate was 6.63%.

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

    Cedartown 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 Cedartown level.

    Name # of Loans 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
    Mortgage Research Center, LLC 8 6.89% $5,746
    QUICKEN LOANS, LLC 5 6.60% $8,793
    PENNYMAC LOAN SERVICES, LLC 4 5.28% $6,391
    HOMESTAR FINANCIAL CORPORATION 3 6.21% $2,477
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 3 6.75% $3,151
    UNITED WHOLESALE MORTGAGE, LLC 2 6.38% $8,777
    USAA Federal Savings Bank 2 5.63% $22,160
    NAVY FEDERAL CREDIT UNION 2 6.06% $33
    FREEDOM MORTGAGE CORPORATION 2 6.31% $3,601
    RELIANCE FIRST CAPITAL, LLC 1 7.25% $8,163
    SWBC MORTGAGE CORPORATION 1 6.25% $4,673
    VANDERBILT MORTGAGE AND FINANCE, INC. 1 7.25% $0
    BROKER SOLUTIONS, INC. 1 6.25% $4,814
    Wells Fargo Bank 1 5.13% $0
    CARDINAL FINANCIAL 1 6.63% $4,359
    EMM LOANS LLC 1 6.88% $10,150
    LOANDEPOT.COM, LLC 1 6.63% $11,739
    Magnolia Bank 1 5.25% $20,636
    MEMBER FIRST MORTGAGE, LLC 1 6.13% $9,995
    MORTGAGE SOLUTIONS OF COLORADO, LLC 1 7.75% $125
    NEW DAY FINANCIAL, LLC 1 7.50% $9,021
    Paramount Residential Mortgage Group, Inc. 1 7.25% $4,221

    The top Cedartown VA lender as defined by loan originations is Mortgage Research Center, LLC, with 8 VA loans originated. Their average total fees are $5,746, which is $3,047 lower than the next largest lender, QUICKEN LOANS, LLC.

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

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

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Cedartown (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 $146,175 (12.8%) $182,011 (2.6%) 0.00 132
    2018-02-01 $144,225 (8.9%) $179,949 (-6.2%) 0.00 130
    2018-03-01 $149,000 (14.6%) $197,781 (6.2%) 0.00 127
    2018-04-01 $169,900 (21.5%) $290,756 (55.0%) 0.00 113
    2018-05-01 $185,887 (24.0%) $296,363 (51.3%) 0.00 122
    2018-06-01 $175,900 (18.1%) $297,132 (58.9%) 0.00 133
    2018-07-01 $181,738 (29.9%) $313,781 (72.9%) 0.00 125
    2018-08-01 $177,908 (36.9%) $309,551 (86.5%) 0.00 136
    2018-09-01 $174,500 (29.4%) $301,174 (72.0%) 0.00 139
    2018-10-01 $152,100 (1.8%) $259,381 (32.7%) 0.00 181
    2018-11-01 $147,450 (-0.7%) $266,061 (37.7%) 0.00 169
    2018-12-01 $147,400 (1.0%) $269,423 (43.0%) 0.00 151
    2019-01-01 $139,900 (-4.3%) $268,188 (47.4%) 0.00 149
    2019-02-01 $160,641 (11.4%) $311,346 (73.0%) 0.00 123
    2019-03-01 $149,147 (0.1%) $301,944 (52.7%) 0.00 125
    2019-04-01 $133,900 (-21.2%) $270,615 (-6.9%) 0.00 128
    2019-05-01 $134,425 (-27.7%) $252,505 (-14.8%) 0.00 147
    2019-06-01 $132,250 (-24.8%) $245,802 (-17.3%) 0.00 141
    2019-07-01 $143,000 (-21.3%) $250,416 (-20.2%) 0.00 148
    2019-08-01 $139,091 (-21.8%) $253,347 (-18.2%) 0.00 149
    2019-09-01 $145,227 (-16.8%) $254,543 (-15.5%) 0.00 147
    2019-10-01 $166,723 (9.6%) $290,273 (11.9%) 0.00 131
    2019-11-01 $185,500 (25.8%) $311,865 (17.2%) 0.00 119
    2019-12-01 $191,775 (30.1%) $305,890 (13.5%) 0.00 124
    2020-01-01 $193,330 (38.2%) $313,228 (16.8%) 0.00 116
    2020-02-01 $185,858 (15.7%) $319,283 (2.6%) 0.00 104
    2020-03-01 $173,650 (16.4%) $306,332 (1.5%) 0.00 99
    2020-04-01 $169,900 (26.9%) $300,082 (10.9%) 0.00 91
    2020-05-01 $179,900 (33.8%) $330,940 (31.1%) 0.00 66
    2020-06-01 $189,900 (43.6%) $348,089 (41.6%) 0.00 65
    2020-07-01 $192,100 (34.3%) $370,517 (48.0%) 0.00 52
    2020-08-01 $189,900 (36.5%) $353,864 (39.7%) 0.00 54
    2020-09-01 $223,662 (54.0%) $416,662 (63.7%) 0.00 51
    2020-10-01 $220,000 (32.0%) $387,090 (33.4%) 0.00 63
    2020-11-01 $197,400 (6.4%) $363,255 (16.5%) 0.00 73
    2020-12-01 $199,950 (4.3%) $377,107 (23.3%) 0.00 70
    2021-01-01 $215,000 (11.2%) $397,001 (26.8%) 0.00 63
    2021-02-01 $259,700 (39.7%) $415,424 (30.1%) 0.00 53
    2021-03-01 $246,175 (41.8%) $433,808 (41.6%) 0.00 40
    2021-04-01 $199,500 (17.4%) $447,128 (49.0%) 0.00 44
    2021-05-01 $214,900 (19.5%) $482,804 (45.9%) 0.00 48
    2021-06-01 $209,925 (10.6%) $458,666 (31.8%) 0.00 54
    2021-07-01 $217,500 (13.2%) $517,804 (39.8%) 0.00 51
    2021-08-01 $216,225 (13.9%) $511,380 (44.5%) 0.00 60
    2021-09-01 $205,550 (-8.1%) $474,156 (13.8%) 0.00 62
    2021-10-01 $212,450 (-3.4%) $471,777 (21.9%) 0.00 58
    2021-11-01 $219,900 (11.4%) $462,583 (27.3%) 0.00 60
    2021-12-01 $218,475 (9.3%) $443,982 (17.7%) 0.00 67
    2022-01-01 $247,500 (15.1%) $378,373 (-4.7%) 0.00 58
    2022-02-01 $259,900 (0.1%) $370,251 (-10.9%) 0.00 47
    2022-03-01 $276,375 (12.3%) $362,001 (-16.6%) 0.00 50
    2022-04-01 $275,450 (38.1%) $372,134 (-16.8%) 0.00 47
    2022-05-01 $289,675 (34.8%) $370,195 (-23.3%) 0.00 54
    2022-06-01 $281,200 (34.0%) $364,637 (-20.5%) 0.00 76
    2022-07-01 $279,950 (28.7%) $380,187 (-26.6%) 0.00 84
    2022-08-01 $284,450 (31.6%) $357,388 (-30.1%) 0.00 99
    2022-09-01 $277,225 (34.9%) $351,625 (-25.8%) 0.00 102
    2022-10-01 $269,000 (26.6%) $336,072 (-28.8%) 0.00 102
    2022-11-01 $274,700 (24.9%) $358,854 (-22.4%) 0.00 100
    2022-12-01 $271,750 (24.4%) $358,790 (-19.2%) 0.00 92
    2023-01-01 $272,000 (9.9%) $371,014 (-2.0%) 0.00 85
    2023-02-01 $258,225 (-0.6%) $360,745 (-2.6%) 0.00 69
    2023-03-01 $259,913 (-6.0%) $354,304 (-2.1%) 0.00 67
    2023-04-01 $299,900 (8.9%) $474,430 (27.5%) 0.00 82
    2023-05-01 $299,925 (3.5%) $499,030 (34.8%) 0.00 76
    2023-06-01 $309,563 (10.1%) $496,307 (36.1%) 0.00 81
    2023-07-01 $304,725 (8.9%) $458,209 (20.5%) 0.00 93
    2023-08-01 $294,875 (3.7%) $394,775 (10.5%) 0.00 95
    2023-09-01 $299,950 (8.2%) $443,803 (26.2%) 0.00 92
    2023-10-01 $314,450 (16.9%) $427,434 (27.2%) 0.00 114
    2023-11-01 $310,000 (12.9%) $424,948 (18.4%) 0.00 118
    2023-12-01 $315,900 (16.3%) $429,103 (19.6%) 0.00 115
    2024-01-01 $304,950 (12.1%) $426,353 (14.9%) 0.00 107
    2024-02-01 $299,750 (16.1%) $351,786 (-2.5%) 0.00 95
    2024-03-01 $298,000 (14.7%) $355,494 (0.3%) 0.00 89
    2024-04-01 $304,750 (1.6%) $363,101 (-23.5%) 0.00 101
    2024-05-01 $302,450 (0.8%) $370,636 (-25.7%) 0.00 112
    2024-06-01 $299,900 (-3.1%) $362,306 (-27.0%) 0.00 103
    2024-07-01 $279,325 (-8.3%) $332,388 (-27.5%) 0.00 112
    2024-08-01 $279,900 (-5.1%) $332,361 (-15.8%) 0.00 130
    2024-09-01 $282,450 (-5.8%) $328,700 (-25.9%) 0.00 154
    2024-10-01 $285,450 (-9.2%) $327,075 (-23.5%) 0.00 153
    2024-11-01 $285,000 (-8.1%) $333,423 (-21.5%) 0.00 166
    2024-12-01 $289,925 (-8.2%) $341,120 (-20.5%) 0.00 148
    2025-01-01 $293,450 (-3.8%) $351,221 (-17.6%) 0.00 137
    Cedartown's median listing price for 2025-01-01 was $293,450, a difference of $-11,500 (-3.8%) versus the prior year and $3,525 versus the prior month.

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

    Cedartown's average listing price for 2025-01-01 was $351,221, a difference of $-75,132 (-17.6%) versus the prior year and $10,101 versus the prior month.

    For the 2025-01-01 period, Cedartown had 137 MLS listings, a difference of -11 listings (-7%) versus the prior month and 30 listings (28%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Cedartown (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 1,797 sqft
    2018-02-01 0 days 1,794 sqft
    2018-03-01 0 days 1,734 sqft
    2018-04-01 0 days 1,725 sqft
    2018-05-01 0 days 1,879 sqft
    2018-06-01 0 days 1,916 sqft
    2018-07-01 0 days 1,939 sqft
    2018-08-01 0 days 1,890 sqft
    2018-09-01 0 days 1,790 sqft
    2018-10-01 0 days 1,731 sqft
    2018-11-01 0 days 1,708 sqft
    2018-12-01 0 days 1,707 sqft
    2019-01-01 0 days 1,800 sqft
    2019-02-01 0 days 1,813 sqft
    2019-03-01 0 days 1,811 sqft
    2019-04-01 0 days 1,802 sqft
    2019-05-01 0 days 1,822 sqft
    2019-06-01 0 days 1,824 sqft
    2019-07-01 0 days 1,909 sqft
    2019-08-01 0 days 1,879 sqft
    2019-09-01 0 days 1,830 sqft
    2019-10-01 0 days 1,841 sqft
    2019-11-01 0 days 2,064 sqft
    2019-12-01 0 days 1,928 sqft
    2020-01-01 0 days 1,918 sqft
    2020-02-01 0 days 1,922 sqft
    2020-03-01 0 days 1,897 sqft
    2020-04-01 0 days 1,888 sqft
    2020-05-01 0 days 1,913 sqft
    2020-06-01 0 days 2,027 sqft
    2020-07-01 0 days 2,346 sqft
    2020-08-01 0 days 2,199 sqft
    2020-09-01 0 days 2,040 sqft
    2020-10-01 0 days 2,160 sqft
    2020-11-01 0 days 1,938 sqft
    2020-12-01 0 days 1,949 sqft
    2021-01-01 0 days 1,901 sqft
    2021-02-01 0 days 1,952 sqft
    2021-03-01 0 days 1,934 sqft
    2021-04-01 0 days 1,866 sqft
    2021-05-01 0 days 1,807 sqft
    2021-06-01 0 days 1,523 sqft
    2021-07-01 0 days 1,843 sqft
    2021-08-01 0 days 1,775 sqft
    2021-09-01 0 days 1,685 sqft
    2021-10-01 0 days 1,710 sqft
    2021-11-01 0 days 1,668 sqft
    2021-12-01 0 days 1,762 sqft
    2022-01-01 0 days 1,893 sqft
    2022-02-01 0 days 1,793 sqft
    2022-03-01 0 days 1,818 sqft
    2022-04-01 0 days 1,776 sqft
    2022-05-01 0 days 1,761 sqft
    2022-06-01 0 days 1,770 sqft
    2022-07-01 0 days 1,743 sqft
    2022-08-01 0 days 1,743 sqft
    2022-09-01 0 days 1,739 sqft
    2022-10-01 0 days 1,708 sqft
    2022-11-01 0 days 1,708 sqft
    2022-12-01 0 days 1,797 sqft
    2023-01-01 0 days 1,839 sqft
    2023-02-01 0 days 1,720 sqft
    2023-03-01 0 days 1,603 sqft
    2023-04-01 0 days 1,730 sqft
    2023-05-01 0 days 1,722 sqft
    2023-06-01 0 days 1,755 sqft
    2023-07-01 0 days 1,774 sqft
    2023-08-01 0 days 1,743 sqft
    2023-09-01 0 days 1,785 sqft
    2023-10-01 0 days 1,797 sqft
    2023-11-01 0 days 1,780 sqft
    2023-12-01 0 days 1,763 sqft
    2024-01-01 0 days 1,746 sqft
    2024-02-01 0 days 1,744 sqft
    2024-03-01 0 days 1,750 sqft
    2024-04-01 0 days 1,765 sqft
    2024-05-01 0 days 1,768 sqft
    2024-06-01 0 days 1,750 sqft
    2024-07-01 0 days 1,771 sqft
    2024-08-01 0 days 1,767 sqft
    2024-09-01 0 days 1,688 sqft
    2024-10-01 0 days 1,701 sqft
    2024-11-01 0 days 1,600 sqft
    2024-12-01 0 days 1,706 sqft
    2025-01-01 0 days 1,735 sqft
    Cedartown's median listing age (time on market) for 2025-01-01 was 0 days.

    Cedartown's median square footage for active listings during the 2025-01-01 period was 1,735 sqft. One year prior, the average listing was 1,746 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.