Eagle Pass VA Loan Rates, Closing Costs & Stats
Eagle Pass, TX
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.
Eagle Pass's 10 lenders originated 22 VA loans during 2023. The total origination value was $6,280,000, with an average VA loan value of $285,455.
Eagle Pass VA Loans, 30 Year Fixed Rates
30 Year VA mortgages in Eagle Pass
averaged
6.63%
for the week of 2024-04-19, compared to the national average (all VA variants) of
6.758% for the same period.
Eagle Pass's average VA mortgage closing costs are $4,985.
The average rate for the prior week (2024-04-12) was
6.66% and
one month ago for the week of 2024-03-15, the
average rate was 6.32%.
The average rate one year ago was 6.11%.
For refis of the same type during the week of 2024-04-19, the average rate
was 6.76%.
Eagle Pass 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 Eagle Pass level.
| Name | # of Loans | 2023 Avg. 30yFix Rate | 2023 Avg. Closing Costs |
|---|---|---|---|
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 9 | 6.29% | $5,195 |
| Mortgage Research Center, LLC | 4 | 6.63% | $7,504 |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 1 | 7.75% | $1,807 |
| NAVY FEDERAL CREDIT UNION | 1 | 5.88% | $3,460 |
| PENTAGON FEDERAL CREDIT UNION | 1 | 6.13% | $12,967 |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 1 | 6.89% | $18,439 |
| UNITED WHOLESALE MORTGAGE, LLC | 1 | 5.50% | $2,892 |
| CARDINAL FINANCIAL | 1 | 4.57% | $11,373 |
| USAA Federal Savings Bank | 1 | 5.25% | $11,280 |
| GUARANTEED RATE, INC. | 1 | 6.20% | $4,095 |
The top Eagle Pass VA lender as defined by loan originations is FAIRWAY INDEPENDENT MORTGAGE CORPORATION, with
9 VA loans originated. Their average total fees are
$5,195, which is $2,309
lower than the next largest lender,
Mortgage Research Center, LLC.
The lowest fee Eagle Pass VA lenders (with over 10 loans originated) are
.
The lowest rate Eagle Pass VA lenders (with over 10 loans originated) are
.
Market Conditions (Median, Average Prices & Listing Count)
Realtor.com - Eagle Pass (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 | $151,500 (2.4%) | $167,749 (5.9%) | 0.00 | 218 |
| 2018-02-01 | $149,500 (2.1%) | $169,915 (9.2%) | 0.00 | 222 |
| 2018-03-01 | $145,000 (0.0%) | $166,487 (7.1%) | 0.00 | 232 |
| 2018-04-01 | $145,000 (-1.0%) | $167,204 (6.5%) | 0.00 | 233 |
| 2018-05-01 | $148,500 (-0.1%) | $169,937 (7.2%) | 0.00 | 243 |
| 2018-06-01 | $149,000 (1.7%) | $168,106 (6.7%) | 0.00 | 243 |
| 2018-07-01 | $148,750 (2.6%) | $167,010 (5.6%) | 0.00 | 255 |
| 2018-08-01 | $146,500 (0.3%) | $166,196 (5.3%) | 0.00 | 265 |
| 2018-09-01 | $155,000 (3.9%) | $171,204 (5.3%) | 0.00 | 263 |
| 2018-10-01 | $159,200 (7.5%) | $174,095 (6.3%) | 0.00 | 258 |
| 2018-11-01 | $158,250 (6.4%) | $172,891 (4.8%) | 0.00 | 252 |
| 2018-12-01 | $156,000 (4.7%) | $171,711 (2.7%) | 0.00 | 239 |
| 2019-01-01 | $152,875 (0.9%) | $172,253 (2.7%) | 0.00 | 234 |
| 2019-02-01 | $149,850 (0.2%) | $170,298 (0.2%) | 0.00 | 244 |
| 2019-03-01 | $148,929 (2.7%) | $167,811 (0.8%) | 0.00 | 232 |
| 2019-04-01 | $148,029 (2.1%) | $167,384 (0.1%) | 0.00 | 210 |
| 2019-05-01 | $150,000 (1.0%) | $172,780 (1.7%) | 0.00 | 196 |
| 2019-06-01 | $150,000 (0.7%) | $173,607 (3.3%) | 0.00 | 190 |
| 2019-07-01 | $150,000 (0.8%) | $174,147 (4.3%) | 0.00 | 193 |
| 2019-08-01 | $148,636 (1.5%) | $171,343 (3.1%) | 0.00 | 198 |
| 2019-09-01 | $146,591 (-5.4%) | $167,762 (-2.0%) | 0.00 | 199 |
| 2019-10-01 | $145,000 (-8.9%) | $166,354 (-4.5%) | 0.00 | 204 |
| 2019-11-01 | $145,000 (-8.4%) | $165,959 (-4.0%) | 0.00 | 218 |
| 2019-12-01 | $149,875 (-3.9%) | $167,848 (-2.3%) | 0.00 | 219 |
| 2020-01-01 | $150,000 (-1.9%) | $166,912 (-3.1%) | 0.00 | 219 |
| 2020-02-01 | $152,500 (1.8%) | $166,314 (-2.3%) | 0.00 | 229 |
| 2020-03-01 | $156,325 (5.0%) | $172,155 (2.6%) | 0.00 | 224 |
| 2020-04-01 | $162,125 (9.5%) | $176,251 (5.3%) | 0.00 | 225 |
| 2020-05-01 | $160,000 (6.7%) | $174,074 (0.8%) | 0.00 | 212 |
| 2020-06-01 | $160,000 (6.7%) | $176,468 (1.7%) | 0.00 | 201 |
| 2020-07-01 | $166,000 (10.7%) | $177,021 (1.7%) | 0.00 | 199 |
| 2020-08-01 | $160,000 (7.7%) | $171,987 (0.4%) | 0.00 | 185 |
| 2020-09-01 | $166,750 (13.8%) | $175,959 (4.9%) | 0.00 | 176 |
| 2020-10-01 | $160,000 (10.3%) | $171,437 (3.1%) | 0.00 | 169 |
| 2020-11-01 | $164,925 (13.7%) | $173,710 (4.7%) | 0.00 | 158 |
| 2020-12-01 | $165,500 (10.4%) | $178,713 (6.5%) | 0.00 | 151 |
| 2021-01-01 | $165,000 (10.0%) | $177,703 (6.5%) | 0.00 | 148 |
| 2021-02-01 | $175,000 (14.8%) | $183,982 (10.6%) | 0.00 | 152 |
| 2021-03-01 | $175,000 (12.0%) | $184,355 (7.1%) | 0.00 | 142 |
| 2021-04-01 | $175,000 (7.9%) | $187,136 (6.2%) | 0.00 | 136 |
| 2021-05-01 | $167,000 (4.4%) | $184,719 (6.1%) | 0.00 | 122 |
| 2021-06-01 | $159,000 (-0.6%) | $186,333 (5.6%) | 0.00 | 118 |
| 2021-07-01 | $175,000 (5.4%) | $192,401 (8.7%) | 0.00 | 124 |
| 2021-08-01 | $177,500 (10.9%) | $192,895 (12.2%) | 0.00 | 116 |
| 2021-09-01 | $176,000 (5.6%) | $195,836 (11.3%) | 0.00 | 107 |
| 2021-10-01 | $171,500 (7.2%) | $191,533 (11.7%) | 0.00 | 109 |
| 2021-11-01 | $174,475 (5.8%) | $192,137 (10.6%) | 0.00 | 113 |
| 2021-12-01 | $182,500 (10.3%) | $195,657 (9.5%) | 0.00 | 116 |
| 2022-01-01 | $189,000 (14.6%) | $194,229 (9.3%) | 0.00 | 115 |
| 2022-02-01 | $198,500 (13.4%) | $202,590 (10.1%) | 0.00 | 136 |
| 2022-03-01 | $199,525 (14.0%) | $205,313 (11.4%) | 0.00 | 129 |
| 2022-04-01 | $219,900 (25.7%) | $218,489 (16.8%) | 0.00 | 123 |
| 2022-05-01 | $219,600 (31.5%) | $220,844 (19.6%) | 0.00 | 125 |
| 2022-06-01 | $219,250 (37.9%) | $222,696 (19.5%) | 0.00 | 136 |
| 2022-07-01 | $225,000 (28.6%) | $226,898 (17.9%) | 0.00 | 142 |
| 2022-08-01 | $235,000 (32.4%) | $240,351 (24.6%) | 0.00 | 148 |
| 2022-09-01 | $235,400 (33.8%) | $243,724 (24.5%) | 0.00 | 153 |
| 2022-10-01 | $235,800 (37.5%) | $252,905 (32.0%) | 0.00 | 166 |
| 2022-11-01 | $235,250 (34.8%) | $251,294 (30.8%) | 0.00 | 173 |
| 2022-12-01 | $237,800 (30.3%) | $253,880 (29.8%) | 0.00 | 170 |
| 2023-01-01 | $239,925 (26.9%) | $256,063 (31.8%) | 0.00 | 151 |
| 2023-02-01 | $237,475 (19.6%) | $262,515 (29.6%) | 0.00 | 152 |
| 2023-03-01 | $235,000 (17.8%) | $260,471 (26.9%) | 0.00 | 136 |
| 2023-04-01 | $230,000 (4.6%) | $251,505 (15.1%) | 0.00 | 127 |
| 2023-05-01 | $248,500 (13.2%) | $266,577 (20.7%) | 0.00 | 120 |
| 2023-06-01 | $259,750 (18.5%) | $273,727 (22.9%) | 0.00 | 129 |
| 2023-07-01 | $260,000 (15.6%) | $274,786 (21.1%) | 0.00 | 125 |
| 2023-08-01 | $263,500 (12.1%) | $276,956 (15.2%) | 0.00 | 133 |
| 2023-09-01 | $265,000 (12.6%) | $275,402 (13.0%) | 0.00 | 130 |
| 2023-10-01 | $263,500 (11.8%) | $275,200 (8.8%) | 0.00 | 131 |
| 2023-11-01 | $259,975 (10.5%) | $276,175 (9.9%) | 0.00 | 137 |
| 2023-12-01 | $256,300 (7.8%) | $279,630 (10.1%) | 0.00 | 137 |
| 2024-01-01 | $257,800 (7.5%) | $287,047 (12.1%) | 0.00 | 137 |
| 2024-02-01 | $259,125 (9.1%) | $283,166 (7.9%) | 0.00 | 142 |
| 2024-03-01 | $259,750 (10.5%) | $281,747 (8.2%) | 0.00 | 145 |
Eagle Pass's median listing price comes in at 0% of the national average.
Eagle Pass's average listing price for 2024-03-01 was $281,747, a difference of $21,276 (8.2%) versus the prior year and $-1,419 versus the prior month.
For the 2024-03-01 period, Eagle Pass had 145 MLS listings, a difference of 3 listings (2%) versus the prior month and 9 listings (7%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - Eagle Pass (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Time on Market | Median Square Footage |
|---|---|---|
| 2018-01-01 | 0 days | 1,651 sqft |
| 2018-02-01 | 0 days | 1,653 sqft |
| 2018-03-01 | 0 days | 1,567 sqft |
| 2018-04-01 | 0 days | 1,570 sqft |
| 2018-05-01 | 0 days | 1,587 sqft |
| 2018-06-01 | 0 days | 1,592 sqft |
| 2018-07-01 | 0 days | 1,596 sqft |
| 2018-08-01 | 0 days | 1,598 sqft |
| 2018-09-01 | 0 days | 1,605 sqft |
| 2018-10-01 | 0 days | 1,616 sqft |
| 2018-11-01 | 0 days | 1,566 sqft |
| 2018-12-01 | 0 days | 1,560 sqft |
| 2019-01-01 | 0 days | 1,530 sqft |
| 2019-02-01 | 0 days | 1,524 sqft |
| 2019-03-01 | 0 days | 1,511 sqft |
| 2019-04-01 | 0 days | 1,504 sqft |
| 2019-05-01 | 0 days | 1,549 sqft |
| 2019-06-01 | 0 days | 1,550 sqft |
| 2019-07-01 | 0 days | 1,548 sqft |
| 2019-08-01 | 0 days | 1,528 sqft |
| 2019-09-01 | 0 days | 1,503 sqft |
| 2019-10-01 | 0 days | 1,498 sqft |
| 2019-11-01 | 0 days | 1,493 sqft |
| 2019-12-01 | 0 days | 1,519 sqft |
| 2020-01-01 | 0 days | 1,506 sqft |
| 2020-02-01 | 0 days | 1,491 sqft |
| 2020-03-01 | 0 days | 1,507 sqft |
| 2020-04-01 | 0 days | 1,529 sqft |
| 2020-05-01 | 0 days | 1,516 sqft |
| 2020-06-01 | 0 days | 1,510 sqft |
| 2020-07-01 | 0 days | 1,481 sqft |
| 2020-08-01 | 0 days | 1,454 sqft |
| 2020-09-01 | 0 days | 1,456 sqft |
| 2020-10-01 | 0 days | 1,464 sqft |
| 2020-11-01 | 0 days | 1,448 sqft |
| 2020-12-01 | 0 days | 1,445 sqft |
| 2021-01-01 | 0 days | 1,465 sqft |
| 2021-02-01 | 0 days | 1,467 sqft |
| 2021-03-01 | 0 days | 1,463 sqft |
| 2021-04-01 | 0 days | 1,503 sqft |
| 2021-05-01 | 0 days | 1,446 sqft |
| 2021-06-01 | 0 days | 1,431 sqft |
| 2021-07-01 | 0 days | 1,486 sqft |
| 2021-08-01 | 0 days | 1,490 sqft |
| 2021-09-01 | 0 days | 1,489 sqft |
| 2021-10-01 | 0 days | 1,499 sqft |
| 2021-11-01 | 0 days | 1,436 sqft |
| 2021-12-01 | 0 days | 1,418 sqft |
| 2022-01-01 | 0 days | 1,444 sqft |
| 2022-02-01 | 0 days | 1,452 sqft |
| 2022-03-01 | 0 days | 1,460 sqft |
| 2022-04-01 | 0 days | 1,486 sqft |
| 2022-05-01 | 0 days | 1,483 sqft |
| 2022-06-01 | 0 days | 1,483 sqft |
| 2022-07-01 | 0 days | 1,506 sqft |
| 2022-08-01 | 0 days | 1,532 sqft |
| 2022-09-01 | 0 days | 1,538 sqft |
| 2022-10-01 | 0 days | 1,540 sqft |
| 2022-11-01 | 0 days | 1,530 sqft |
| 2022-12-01 | 0 days | 1,530 sqft |
| 2023-01-01 | 0 days | 1,539 sqft |
| 2023-02-01 | 0 days | 1,539 sqft |
| 2023-03-01 | 0 days | 1,542 sqft |
| 2023-04-01 | 0 days | 1,544 sqft |
| 2023-05-01 | 0 days | 1,586 sqft |
| 2023-06-01 | 0 days | 1,581 sqft |
| 2023-07-01 | 0 days | 1,575 sqft |
| 2023-08-01 | 0 days | 1,555 sqft |
| 2023-09-01 | 0 days | 1,550 sqft |
| 2023-10-01 | 0 days | 1,543 sqft |
| 2023-11-01 | 0 days | 1,541 sqft |
| 2023-12-01 | 0 days | 1,523 sqft |
| 2024-01-01 | 0 days | 1,527 sqft |
| 2024-02-01 | 0 days | 1,530 sqft |
| 2024-03-01 | 0 days | 1,529 sqft |
Eagle Pass's median square footage for active listings during the 2024-03-01 period was 1,529 sqft. One year prior, the average listing was 1,542 sqft.