Gardnerville Ranchos VA Loan Rates, Closing Costs & Stats

Gardnerville Ranchos, NV

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.

Gardnerville Ranchos's 62 lenders originated 422 VA loans during 2021. The total origination value was $162,880,000, with an average VA loan value of $385,972.

Gardnerville Ranchos VA Loans, 30 Year Fixed Rates

30 Year VA mortgages in Gardnerville Ranchos averaged 6.38% for the week of 2023-01-27, compared to the national average (all VA variants) of 5.952% for the same period.

Gardnerville Ranchos's average VA mortgage closing costs are $6,890.

The average rate for the prior week (2023-01-20) was 6.11% and one month ago for the week of 2022-12-23, the average rate was 6.68%.

The average rate one year ago was 3.68%.

For refis of the same type during the week of 2023-01-27, the average rate was 6.03%.

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

Gardnerville Ranchos 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 Gardnerville Ranchos level.

Name # of Loans 2021 Avg. 30yFix Rate 2021 Avg. Closing Costs
GUILD MORTGAGE COMPANY 62 2.73% $6,034
QUICKEN LOANS, LLC 48 2.40% $4,948
FREEDOM MORTGAGE CORPORATION 37 2.39% $4,406
LOANDEPOT.COM, LLC 22 2.35% $4,422
PENNYMAC LOAN SERVICES, LLC 17 2.24% $6,093
Sierra Pacific Mortgage Company, Inc. 13 2.84% $11,102
Mortgage Research Center, LLC 13 2.84% $10,794
BROKER SOLUTIONS, INC. 13 2.87% $8,037
CLEARPATH LENDING 12 2.33% $5,632
PRIMELENDING, A PLAINSCAPITAL COMPANY 12 3.23% $10,961
NAVY FEDERAL CREDIT UNION 10 2.61% $10,881
MUTUAL OF OMAHA MORTGAGE, INC. 8 2.53% $8,179
AMERICAN FINANCIAL NETWORK, INC. 7 2.39% $8,651
Wells Fargo Bank 7 2.54% $3,459
NEW DAY FINANCIAL, LLC 7 2.70% $16,147
The Federal Savings Bank 6 2.56% $12,082
FINANCE OF AMERICA MORTGAGE LLC 6 2.73% $4,671
USAA Federal Savings Bank 6 2.63% $3,800
LAKEVIEW LOAN SERVICING, LLC 5 2.33% $2,787
LENDUS, LLC 5 2.38% $4,560
MOVEMENT MORTGAGE, LLC 4 2.78% $11,616
UNITED WHOLESALE MORTGAGE, LLC 4 2.69% $15,917
Low VA Rates, LLC 4 1.90% $9,280
Barrington Bank & Trust Company, N.A. 3 2.83% $3,115
Paramount Residential Mortgage Group, Inc. 3 2.33% $11,267
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP 3 2.46% $3,980
GREATER NEVADA LLC 3 2.92% $25,953
GUARANTEED RATE, INC. 3 2.83% $11,287
PLANET HOME LENDING, LLC 2 2.50% $1,087
ALL WESTERN MORTGAGE, INC. 2 2.81% $3,566
AMERICAN FINANCING CORPORATION 2 2.50% $4,811
ANGEL OAK HOME LOANS LLC 2 2.81% $3,491
CALCON MUTUAL MORTGAGE LLC 2 3.00% $3,492
CALIBER HOME LOANS, INC. 2 2.25% $3,355
CROSSCOUNTRY MORTGAGE, LLC 2 2.56% $6,573
First Federal Bank 2 2.94% $11,349
Flagstar Bank, FSB 2 2.50% $3,197
HOME POINT FINANCIAL CORPORATION 2 2.25% $4,808
NEWREZ LLC 2 2.93% $4,904
Zions Bancorporation, N.A. 2 2.31% $2,520
NBKC BANK 1 2.25% $1,015
MANN FINANCIAL INC. 1 2.50% $10,193
AMERISAVE MORTGAGE CORPORATION 1 2.38% $4,346
North American Savings Bank, F.S.B. 1 2.25% $12,208
Northpointe Bank 1 2.88% $21,805
Magnolia Bank 1 2.75% $20,912
KS StateBank 1 2.75% $3,326
ALAMEDA MORTGAGE CORPORATION 1 2.88% $11,286
ISERVE RESIDENTIAL LENDING, LLC 1 3.50% $4,646
HOMEBRIDGE FINANCIAL SERVICES, INC. 1 2.50% $5,571
ROUNDPOINT MORTGAGE SERVICING CORPORATION 1 2.25% $3,098
Goldwater Bank, N.A. 1 2.50% $7,949
SUN WEST MORTGAGE COMPANY, INC. 1 2.25% $3,045
Equity Prime Mortgage LLC 1 3.25% $14,043
Umpqua Bank 1 2.50% $3,196
CELEBRITY HOME LOANS, LLC 1 3.50% $10,289
BEST CAPITAL FUNDING 1 2.63% $3,456
U.S. Bank 1 2.25% $2,310
VILLAGE CAPITAL MORTGAGE 1 2.38% $3,696
Watermark Capital, Inc. 1 2.25% $3,067
Mr. Cooper ( Nationstar Mortgage ) 1 2.25% $4,961
Meridian Bank Corporation 1 2.25% $2,799

The top Gardnerville Ranchos VA lender as defined by loan originations is GUILD MORTGAGE COMPANY, with 62 VA loans originated. Their average total fees are $6,034, which is $1,086 higher than the next largest lender, QUICKEN LOANS, LLC.

The lowest fee Gardnerville Ranchos VA lenders (with over 10 loans originated) are FREEDOM MORTGAGE CORPORATION ($4,406), LOANDEPOT.COM, LLC ($4,422), QUICKEN LOANS, LLC ($4,948), CLEARPATH LENDING ($5,632) and GUILD MORTGAGE COMPANY ($6,034).

The lowest rate Gardnerville Ranchos VA lenders (with over 10 loans originated) are PENNYMAC LOAN SERVICES, LLC (2.24%), CLEARPATH LENDING (2.33%), LOANDEPOT.COM, LLC (2.35%), FREEDOM MORTGAGE CORPORATION (2.39%) and QUICKEN LOANS, LLC (2.40%).


Market Conditions (Median, Average Prices & Listing Count)

Realtor.com - Gardnerville Ranchos (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 $655,750 (9.5%) $1,733,342 (-25.6%) 0.00 216
2018-02-01 $696,000 (11.5%) $1,521,001 (-30.6%) 0.00 193
2018-03-01 $689,000 (6.1%) $1,839,456 (-18.6%) 0.00 190
2018-04-01 $654,500 (2.3%) $1,932,636 (-12.0%) 0.00 199
2018-05-01 $630,900 (0.7%) $1,742,891 (-15.0%) 0.00 230
2018-06-01 $636,000 (6.2%) $1,724,887 (-11.2%) 0.00 271
2018-07-01 $667,000 (11.4%) $1,585,672 (-16.5%) 0.00 313
2018-08-01 $629,429 (0.8%) $1,534,392 (-24.4%) 0.00 327
2018-09-01 $627,500 (-3.3%) $1,666,049 (0.6%) 0.00 316
2018-10-01 $623,475 (-9.3%) $1,667,377 (5.2%) 0.00 329
2018-11-01 $599,250 (-14.2%) $1,717,468 (5.3%) 0.00 315
2018-12-01 $585,000 (-18.5%) $1,748,948 (3.5%) 0.00 296
2019-01-01 $593,625 (-9.5%) $1,512,159 (-12.8%) 0.00 262
2019-02-01 $595,125 (-14.5%) $1,570,124 (3.2%) 0.00 236
2019-03-01 $602,929 (-12.5%) $1,626,314 (-11.6%) 0.00 251
2019-04-01 $616,500 (-5.8%) $1,659,971 (-14.1%) 0.00 272
2019-05-01 $619,875 (-1.8%) $1,546,584 (-11.3%) 0.00 302
2019-06-01 $634,000 (-0.3%) $1,542,543 (-10.6%) 0.00 315
2019-07-01 $660,000 (-1.1%) $1,701,984 (7.3%) 0.00 365
2019-08-01 $692,518 (10.0%) $1,706,580 (11.2%) 0.00 368
2019-09-01 $696,445 (11.0%) $1,709,666 (2.6%) 0.00 364
2019-10-01 $696,814 (11.8%) $1,706,202 (2.3%) 0.00 359
2019-11-01 $697,000 (16.3%) $1,818,085 (5.9%) 0.00 315
2019-12-01 $699,500 (19.6%) $1,880,196 (7.5%) 0.00 298
2020-01-01 $694,750 (17.0%) $1,791,085 (18.5%) 0.00 266
2020-02-01 $682,000 (14.6%) $1,782,094 (13.5%) 0.00 257
2020-03-01 $751,875 (24.7%) $1,880,869 (15.7%) 0.00 236
2020-04-01 $726,750 (17.9%) $1,816,263 (9.4%) 0.00 259
2020-05-01 $719,000 (16.0%) $1,642,705 (6.2%) 0.00 277
2020-06-01 $788,000 (24.3%) $1,943,648 (26.0%) 0.00 256
2020-07-01 $792,475 (20.1%) $1,601,107 (-5.9%) 0.00 225
2020-08-01 $829,000 (19.7%) $1,597,102 (-6.4%) 0.00 182
2020-09-01 $868,000 (24.6%) $2,238,515 (30.9%) 0.00 150
2020-10-01 $850,000 (22.0%) $2,319,258 (35.9%) 0.00 136
2020-11-01 $824,725 (18.3%) $2,316,783 (27.4%) 0.00 125
2020-12-01 $847,950 (21.2%) $2,550,260 (35.6%) 0.00 102
2021-01-01 $882,000 (27.0%) $2,990,132 (67.0%) 0.00 76
2021-02-01 $881,225 (29.2%) $3,308,857 (85.7%) 0.00 70
2021-03-01 $760,750 (1.2%) $2,468,307 (31.2%) 0.00 75
2021-04-01 $683,750 (-5.9%) $1,877,591 (3.4%) 0.00 112
2021-05-01 $789,450 (9.8%) $1,865,451 (13.6%) 0.00 100
2021-06-01 $824,500 (4.6%) $1,868,187 (-3.9%) 0.00 112
2021-07-01 $844,000 (6.5%) $1,752,805 (9.5%) 0.00 127
2021-08-01 $891,750 (7.6%) $1,857,436 (16.3%) 0.00 146
2021-09-01 $869,200 (0.1%) $1,823,708 (-18.5%) 0.00 145
2021-10-01 $836,950 (-1.5%) $2,113,293 (-8.9%) 0.00 176
2021-11-01 $870,725 (5.6%) $2,078,954 (-10.3%) 0.00 148
2021-12-01 $850,000 (0.2%) $2,067,935 (-18.9%) 0.00 127
2022-01-01 $859,000 (-2.6%) $2,368,556 (-20.8%) 0.00 106
2022-02-01 $899,000 (2.0%) $2,519,118 (-23.9%) 0.00 82
2022-03-01 $854,500 (12.3%) $2,191,436 (-11.2%) 0.00 82
2022-04-01 $895,000 (30.9%) $1,998,029 (6.4%) 0.00 110
2022-05-01 $870,000 (10.2%) $1,856,378 (-0.5%) 0.00 148
2022-06-01 $847,500 (2.8%) $2,514,396 (34.6%) 0.00 219
2022-07-01 $848,255 (0.5%) $2,220,563 (26.7%) 0.00 276
2022-08-01 $834,500 (-6.4%) $2,210,634 (19.0%) 0.00 275
2022-09-01 $835,528 (-3.9%) $2,134,736 (17.1%) 0.00 280
2022-10-01 $799,999 (-4.4%) $2,072,656 (-1.9%) 0.00 263
2022-11-01 $777,731 (-10.7%) $1,853,602 (-10.8%) 0.00 254
2022-12-01 $787,000 (-7.4%) $1,814,369 (-12.3%) 0.00 232
Gardnerville Ranchos's median listing price for 2022-12-01 was $787,000, a difference of $-63,000 (-7.4%) versus the prior year and $9,269 versus the prior month.

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

Gardnerville Ranchos's average listing price for 2022-12-01 was $1,814,369, a difference of $-253,566 (-12.3%) versus the prior year and $-39,233 versus the prior month.

For the 2022-12-01 period, Gardnerville Ranchos had 232 MLS listings, a difference of -22 listings (-9%) versus the prior month and 105 listings (83%) versus the prior year.

Median Listing Time on Market & Square Footage

Realtor.com - Gardnerville Ranchos (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Time on Market Median Square Footage
2018-01-01 0 days 2,288 sqft
2018-02-01 0 days 2,388 sqft
2018-03-01 0 days 2,392 sqft
2018-04-01 0 days 2,381 sqft
2018-05-01 0 days 2,308 sqft
2018-06-01 0 days 2,309 sqft
2018-07-01 0 days 2,237 sqft
2018-08-01 0 days 2,185 sqft
2018-09-01 0 days 2,195 sqft
2018-10-01 0 days 2,197 sqft
2018-11-01 0 days 2,210 sqft
2018-12-01 0 days 2,218 sqft
2019-01-01 0 days 2,187 sqft
2019-02-01 0 days 2,226 sqft
2019-03-01 0 days 2,162 sqft
2019-04-01 0 days 2,197 sqft
2019-05-01 0 days 2,227 sqft
2019-06-01 0 days 2,269 sqft
2019-07-01 0 days 2,296 sqft
2019-08-01 0 days 2,303 sqft
2019-09-01 0 days 2,356 sqft
2019-10-01 0 days 2,381 sqft
2019-11-01 0 days 2,371 sqft
2019-12-01 0 days 2,408 sqft
2020-01-01 0 days 2,428 sqft
2020-02-01 0 days 2,424 sqft
2020-03-01 0 days 2,475 sqft
2020-04-01 0 days 2,450 sqft
2020-05-01 0 days 2,443 sqft
2020-06-01 0 days 2,602 sqft
2020-07-01 0 days 2,654 sqft
2020-08-01 0 days 2,650 sqft
2020-09-01 0 days 2,624 sqft
2020-10-01 0 days 2,545 sqft
2020-11-01 0 days 2,360 sqft
2020-12-01 0 days 2,540 sqft
2021-01-01 0 days 2,491 sqft
2021-02-01 0 days 2,470 sqft
2021-03-01 0 days 2,218 sqft
2021-04-01 0 days 2,078 sqft
2021-05-01 0 days 2,097 sqft
2021-06-01 0 days 2,148 sqft
2021-07-01 0 days 2,105 sqft
2021-08-01 0 days 2,194 sqft
2021-09-01 0 days 2,270 sqft
2021-10-01 0 days 2,124 sqft
2021-11-01 0 days 2,115 sqft
2021-12-01 0 days 2,097 sqft
2022-01-01 0 days 2,112 sqft
2022-02-01 0 days 2,293 sqft
2022-03-01 0 days 2,143 sqft
2022-04-01 0 days 2,168 sqft
2022-05-01 0 days 2,103 sqft
2022-06-01 0 days 2,118 sqft
2022-07-01 0 days 2,128 sqft
2022-08-01 0 days 2,117 sqft
2022-09-01 0 days 2,126 sqft
2022-10-01 0 days 2,119 sqft
2022-11-01 0 days 2,111 sqft
2022-12-01 0 days 2,125 sqft
Gardnerville Ranchos's median listing age (time on market) for 2022-12-01 was 0 days.

Gardnerville Ranchos's median square footage for active listings during the 2022-12-01 period was 2,125 sqft. One year prior, the average listing was 2,097 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.