Fremont VA Loan Rates, Closing Costs & Stats

Fremont, NE

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.

Fremont's 18 lenders originated 36 VA loans during 2023. The total origination value was $8,760,000, with an average VA loan value of $243,333.

Fremont VA Loans, 30 Year Fixed Rates

30 Year VA mortgages in Fremont averaged 0.29% for the week of 2024-11-29, compared to the national average (all VA variants) of 0% for the same period.

Fremont's average VA mortgage closing costs are $4,325.

The average rate for the prior week (2024-11-22) was 6.36% and one month ago for the week of 2024-10-25, the average rate was 6.25%.

The average rate one year ago was 7.2%.

For refis of the same type during the week of 2024-11-29, the average rate was -0.1%.

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

Fremont 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 Fremont level.

Name # of Loans 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
Mortgage Research Center, LLC 8 6.83% $4,698
CASTLE & COOKE MORTGAGE, LLC 3 6.75% $5,479
Barrington Bank & Trust Company, N.A. 2 6.50% $8,905
GUILD MORTGAGE COMPANY 2 6.19% $10,603
NEW DAY FINANCIAL, LLC 2 7.75% $14,126
Pinnacle Bank 2 6.00% $2,997
QUICKEN LOANS, LLC 2 5.87% $8,334
West Gate Bank 2 6.56% $4,514
USAA Federal Savings Bank 1 7.13% $8,269
LOANDEPOT.COM, LLC 1 5.75% $13,034
CHARTER WEST BANK 1 5.75% $5,260
MOVEMENT MORTGAGE, LLC 1 6.75% $8,445
NAVY FEDERAL CREDIT UNION 1 6.00% $6,575
DHI MORTGAGE COMPANY, LTD. 1 5.99% $2,249
First National Bank of Omaha 1 6.50% $4,365
Gateway First Bank 1 5.25% $7,808
GERSHMAN INVESTMENT CORP. 1 6.25% $9,132
GUARANTEED RATE, INC. 1 5.75% $2,680

The top Fremont VA lender as defined by loan originations is Mortgage Research Center, LLC, with 8 VA loans originated. Their average total fees are $4,698, which is $781 lower than the next largest lender, CASTLE & COOKE MORTGAGE, LLC.

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

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


Market Conditions (Median, Average Prices & Listing Count)

Realtor.com - Fremont (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 $180,325 (18.6%) $234,075 (16.5%) 0.00 50
2018-02-01 $168,675 (8.0%) $232,901 (7.2%) 0.00 43
2018-03-01 $178,500 (3.6%) $243,945 (2.9%) 0.00 40
2018-04-01 $178,500 (10.4%) $246,411 (3.5%) 0.00 47
2018-05-01 $226,288 (23.3%) $265,834 (13.4%) 0.00 52
2018-06-01 $219,900 (26.6%) $248,675 (9.5%) 0.00 81
2018-07-01 $206,905 (25.5%) $249,993 (14.2%) 0.00 98
2018-08-01 $199,450 (7.9%) $238,201 (2.4%) 0.00 103
2018-09-01 $199,450 (27.5%) $240,851 (11.9%) 0.00 104
2018-10-01 $187,063 (22.1%) $236,359 (11.5%) 0.00 102
2018-11-01 $177,250 (17.4%) $227,731 (13.1%) 0.00 105
2018-12-01 $163,000 (-4.1%) $205,339 (-6.3%) 0.00 88
2019-01-01 $164,725 (-8.7%) $202,680 (-13.4%) 0.00 80
2019-02-01 $197,425 (17.0%) $222,278 (-4.6%) 0.00 65
2019-03-01 $199,693 (11.9%) $219,588 (-10.0%) 0.00 64
2019-04-01 $199,238 (11.6%) $216,214 (-12.3%) 0.00 65
2019-05-01 $198,538 (-12.3%) $219,662 (-17.4%) 0.00 64
2019-06-01 $214,375 (-2.5%) $234,582 (-5.7%) 0.00 63
2019-07-01 $198,350 (-4.1%) $222,946 (-10.8%) 0.00 76
2019-08-01 $190,455 (-4.5%) $215,236 (-9.6%) 0.00 87
2019-09-01 $177,261 (-11.1%) $201,863 (-16.2%) 0.00 104
2019-10-01 $169,916 (-9.2%) $195,409 (-17.3%) 0.00 112
2019-11-01 $169,950 (-4.1%) $199,439 (-12.4%) 0.00 107
2019-12-01 $162,381 (-0.4%) $185,367 (-9.7%) 0.00 96
2020-01-01 $167,450 (1.7%) $187,064 (-7.7%) 0.00 93
2020-02-01 $179,900 (-8.9%) $187,979 (-15.4%) 0.00 83
2020-03-01 $189,900 (-4.9%) $199,174 (-9.3%) 0.00 82
2020-04-01 $194,900 (-2.2%) $223,106 (3.2%) 0.00 81
2020-05-01 $199,900 (0.7%) $229,823 (4.6%) 0.00 70
2020-06-01 $199,900 (-6.8%) $234,743 (0.1%) 0.00 65
2020-07-01 $201,925 (1.8%) $238,668 (7.1%) 0.00 61
2020-08-01 $207,400 (8.9%) $252,336 (17.2%) 0.00 55
2020-09-01 $194,175 (9.5%) $270,759 (34.1%) 0.00 60
2020-10-01 $186,950 (10.0%) $246,120 (26.0%) 0.00 59
2020-11-01 $183,175 (7.8%) $227,744 (14.2%) 0.00 53
2020-12-01 $206,225 (27.0%) $237,600 (28.2%) 0.00 50
2021-01-01 $252,450 (50.8%) $271,087 (44.9%) 0.00 41
2021-02-01 $219,950 (22.3%) $267,985 (42.6%) 0.00 35
2021-03-01 $252,463 (32.9%) $281,902 (41.5%) 0.00 39
2021-04-01 $250,463 (28.5%) $278,342 (24.8%) 0.00 31
2021-05-01 $235,610 (17.9%) $276,382 (20.3%) 0.00 43
2021-06-01 $222,550 (11.3%) $266,570 (13.6%) 0.00 58
2021-07-01 $237,500 (17.6%) $297,123 (24.5%) 0.00 48
2021-08-01 $249,900 (20.5%) $283,583 (12.4%) 0.00 48
2021-09-01 $250,500 (29.0%) $269,137 (-0.6%) 0.00 53
2021-10-01 $249,500 (33.5%) $257,864 (4.8%) 0.00 55
2021-11-01 $249,900 (36.4%) $258,795 (13.6%) 0.00 62
2021-12-01 $234,000 (13.5%) $241,843 (1.8%) 0.00 51
2022-01-01 $229,000 (-9.3%) $235,901 (-13.0%) 0.00 35
2022-02-01 $229,000 (4.1%) $224,493 (-16.2%) 0.00 37
2022-03-01 $235,750 (-6.6%) $232,667 (-17.5%) 0.00 38
2022-04-01 $244,000 (-2.6%) $260,342 (-6.5%) 0.00 40
2022-05-01 $245,500 (4.2%) $278,655 (0.8%) 0.00 54
2022-06-01 $245,000 (10.1%) $291,796 (9.5%) 0.00 57
2022-07-01 $245,000 (3.2%) $301,446 (1.5%) 0.00 70
2022-08-01 $249,900 (0.0%) $288,491 (1.7%) 0.00 71
2022-09-01 $249,450 (-0.4%) $287,056 (6.7%) 0.00 72
2022-10-01 $249,900 (0.2%) $293,013 (13.6%) 0.00 80
2022-11-01 $254,375 (1.8%) $301,416 (16.5%) 0.00 73
2022-12-01 $254,500 (8.8%) $310,186 (28.3%) 0.00 68
2023-01-01 $257,225 (12.3%) $323,175 (37.0%) 0.00 55
2023-02-01 $264,475 (15.5%) $329,367 (46.7%) 0.00 47
2023-03-01 $259,250 (10.0%) $315,345 (35.5%) 0.00 52
2023-04-01 $285,000 (16.8%) $317,313 (21.9%) 0.00 54
2023-05-01 $294,900 (20.1%) $326,130 (17.0%) 0.00 61
2023-06-01 $293,675 (19.9%) $329,601 (13.0%) 0.00 70
2023-07-01 $287,500 (17.4%) $357,110 (18.5%) 0.00 84
2023-08-01 $286,425 (14.6%) $335,254 (16.2%) 0.00 84
2023-09-01 $259,700 (4.1%) $324,045 (12.9%) 0.00 88
2023-10-01 $268,425 (7.4%) $330,991 (13.0%) 0.00 97
2023-11-01 $251,000 (-1.3%) $316,901 (5.1%) 0.00 108
2023-12-01 $249,000 (-2.2%) $310,343 (0.1%) 0.00 100
2024-01-01 $249,000 (-3.2%) $307,808 (-4.8%) 0.00 86
2024-02-01 $255,750 (-3.3%) $313,806 (-4.7%) 0.00 80
2024-03-01 $262,500 (1.3%) $317,071 (0.6%) 0.00 87
2024-04-01 $261,825 (-8.1%) $303,807 (-4.3%) 0.00 86
2024-05-01 $254,925 (-13.6%) $301,427 (-7.6%) 0.00 85
2024-06-01 $250,000 (-14.9%) $297,686 (-9.7%) 0.00 91
2024-07-01 $249,225 (-13.3%) $285,597 (-20.0%) 0.00 92
2024-08-01 $245,450 (-14.3%) $288,096 (-14.1%) 0.00 95
2024-09-01 $244,500 (-5.9%) $301,166 (-7.1%) 0.00 100
2024-10-01 $241,500 (-10.0%) $296,039 (-10.6%) 0.00 105
Fremont's median listing price for 2024-10-01 was $241,500, a difference of $-26,925 (-10.0%) versus the prior year and $-3,000 versus the prior month.

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

Fremont's average listing price for 2024-10-01 was $296,039, a difference of $-34,952 (-10.6%) versus the prior year and $-5,127 versus the prior month.

For the 2024-10-01 period, Fremont had 105 MLS listings, a difference of 5 listings (5%) versus the prior month and 8 listings (8%) versus the prior year.

Median Listing Time on Market & Square Footage

Realtor.com - Fremont (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Time on Market Median Square Footage
2018-01-01 0 days 1,985 sqft
2018-02-01 0 days 1,890 sqft
2018-03-01 0 days 2,102 sqft
2018-04-01 0 days 2,054 sqft
2018-05-01 0 days 2,224 sqft
2018-06-01 0 days 2,104 sqft
2018-07-01 0 days 2,086 sqft
2018-08-01 0 days 2,045 sqft
2018-09-01 0 days 1,955 sqft
2018-10-01 0 days 1,973 sqft
2018-11-01 0 days 1,941 sqft
2018-12-01 0 days 1,853 sqft
2019-01-01 0 days 1,807 sqft
2019-02-01 0 days 1,881 sqft
2019-03-01 0 days 1,994 sqft
2019-04-01 0 days 2,120 sqft
2019-05-01 0 days 2,143 sqft
2019-06-01 0 days 2,212 sqft
2019-07-01 0 days 2,247 sqft
2019-08-01 0 days 2,130 sqft
2019-09-01 0 days 1,941 sqft
2019-10-01 0 days 1,837 sqft
2019-11-01 0 days 1,827 sqft
2019-12-01 0 days 1,724 sqft
2020-01-01 0 days 1,639 sqft
2020-02-01 0 days 1,628 sqft
2020-03-01 0 days 1,629 sqft
2020-04-01 0 days 1,689 sqft
2020-05-01 0 days 1,631 sqft
2020-06-01 0 days 1,672 sqft
2020-07-01 0 days 1,708 sqft
2020-08-01 0 days 1,710 sqft
2020-09-01 0 days 1,700 sqft
2020-10-01 0 days 1,660 sqft
2020-11-01 0 days 1,652 sqft
2020-12-01 0 days 1,692 sqft
2021-01-01 0 days 1,647 sqft
2021-02-01 0 days 1,631 sqft
2021-03-01 0 days 1,631 sqft
2021-04-01 0 days 1,622 sqft
2021-05-01 0 days 1,631 sqft
2021-06-01 0 days 1,631 sqft
2021-07-01 0 days 1,631 sqft
2021-08-01 0 days 1,611 sqft
2021-09-01 0 days 1,475 sqft
2021-10-01 0 days 1,470 sqft
2021-11-01 0 days 1,495 sqft
2021-12-01 0 days 1,470 sqft
2022-01-01 0 days 1,470 sqft
2022-02-01 0 days 1,470 sqft
2022-03-01 0 days 1,473 sqft
2022-04-01 0 days 1,477 sqft
2022-05-01 0 days 1,491 sqft
2022-06-01 0 days 1,596 sqft
2022-07-01 0 days 1,631 sqft
2022-08-01 0 days 1,546 sqft
2022-09-01 0 days 1,507 sqft
2022-10-01 0 days 1,617 sqft
2022-11-01 0 days 1,753 sqft
2022-12-01 0 days 1,864 sqft
2023-01-01 0 days 1,862 sqft
2023-02-01 0 days 1,624 sqft
2023-03-01 0 days 1,515 sqft
2023-04-01 0 days 1,498 sqft
2023-05-01 0 days 1,568 sqft
2023-06-01 0 days 1,620 sqft
2023-07-01 0 days 1,636 sqft
2023-08-01 0 days 1,644 sqft
2023-09-01 0 days 1,631 sqft
2023-10-01 0 days 1,644 sqft
2023-11-01 0 days 1,636 sqft
2023-12-01 0 days 1,646 sqft
2024-01-01 0 days 1,634 sqft
2024-02-01 0 days 1,632 sqft
2024-03-01 0 days 1,634 sqft
2024-04-01 0 days 1,636 sqft
2024-05-01 0 days 1,634 sqft
2024-06-01 0 days 1,631 sqft
2024-07-01 0 days 1,601 sqft
2024-08-01 0 days 1,631 sqft
2024-09-01 0 days 1,647 sqft
2024-10-01 0 days 1,673 sqft
Fremont's median listing age (time on market) for 2024-10-01 was 0 days.

Fremont's median square footage for active listings during the 2024-10-01 period was 1,673 sqft. One year prior, the average listing was 1,644 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.