Gardnerville Ranchos VA Loan Rates, Closing Costs & Stats

Gardnerville Ranchos, NV

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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.

    Gardnerville Ranchos's 27 lenders originated 57 VA loans during 2023. The total origination value was $29,595,000, with an average VA loan value of $519,211.

    Gardnerville Ranchos VA Loans, 30 Year Fixed Rates

    30 Year VA mortgages in Gardnerville Ranchos averaged -0.01% for the week of 2024-11-15, compared to the national average (all VA variants) of 0% for the same period.

    Gardnerville Ranchos's average VA mortgage closing costs are $7,542.

    The average rate for the prior week (2024-11-08) was 6.5% and one month ago for the week of 2024-10-11, the average rate was 5.77%.

    The average rate one year ago was 7.36%.

    For refis of the same type during the week of 2024-11-15, the average rate was 0.1%.

    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 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
    GUILD MORTGAGE COMPANY 14 6.60% $10,472
    Mortgage Research Center, LLC 7 6.59% $20,056
    UNITED WHOLESALE MORTGAGE, LLC 3 5.79% $19,129
    U.S. Bank 3 5.67% $16,211
    PENNYMAC LOAN SERVICES, LLC 3 5.02% $11,289
    NAVY FEDERAL CREDIT UNION 3 5.92% $4,584
    GUARANTEED RATE, INC. 1 6.08% $9,810
    LOANPAL, LLC 1 6.13% $19,244
    Magnolia Bank 1 6.25% $11,560
    MASON MCDUFFIE MORTGAGE CORPORATION 1 6.75% $11,661
    NBKC BANK 1 6.13% $2,148
    NEWREZ LLC 1 6.25% $5,596
    PREMIER MORTGAGE RESOURCES, L.L.C. 1 6.49% $29,440
    PRIMELENDING, A PLAINSCAPITAL COMPANY 1 5.75% $33,154
    Prosperity Home Mortgage, LLC 1 5.25% $24,459
    QUICKEN LOANS, LLC 1 6.49% $10,877
    SUMMIT FUNDING, INC. 1 5.75% $2,972
    The Central Trust Bank 1 7.13% $5,544
    The Federal Savings Bank 1 6.25% $20,436
    VERITAS FUNDING, LLC 1 7.00% $22,145
    American Mortgage & Equity Consultants, Inc. 1 6.25% $6,234
    Willamette Valley Bank 1 7.13% $15,535
    AMERISAVE MORTGAGE CORPORATION 1 5.50% $8,351
    BROKER SOLUTIONS, INC. 1 5.25% $28,063
    CROSSCOUNTRY MORTGAGE, LLC 1 6.56% $1,246
    EAGLE HOME MORTGAGE, LLC 1 4.99% $21,748
    GREATER NEVADA LLC 1 6.25% $13,206

    The top Gardnerville Ranchos VA lender as defined by loan originations is GUILD MORTGAGE COMPANY, with 14 VA loans originated. Their average total fees are $10,472, which is $9,585 lower than the next largest lender, Mortgage Research Center, LLC.

    The lowest fee Gardnerville Ranchos VA lenders (with over 10 loans originated) are GUILD MORTGAGE COMPANY ($10,472), .

    The lowest rate Gardnerville Ranchos VA lenders (with over 10 loans originated) are GUILD MORTGAGE COMPANY (6.60%), .

    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 (-30.8%) 0.00 193
    2018-03-01 $689,000 (6.1%) $1,839,456 (-18.8%) 0.00 190
    2018-04-01 $654,500 (2.3%) $1,932,636 (-12.0%) 0.00 199
    2018-05-01 $630,900 (0.8%) $1,742,891 (-15.1%) 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%) $1,587,701 (-16.4%) 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%) $1,715,404 (5.2%) 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 $605,286 (-12.2%) $1,628,245 (-11.5%) 0.00 250
    2019-04-01 $619,500 (-5.4%) $1,663,806 (-13.9%) 0.00 270
    2019-05-01 $621,625 (-1.5%) $1,551,736 (-11.0%) 0.00 300
    2019-06-01 $639,000 (0.5%) $1,549,315 (-10.2%) 0.00 313
    2019-07-01 $662,375 (-0.7%) $1,707,000 (7.5%) 0.00 363
    2019-08-01 $692,627 (10.0%) $1,710,982 (11.5%) 0.00 366
    2019-09-01 $696,718 (11.0%) $1,715,758 (3.0%) 0.00 362
    2019-10-01 $698,495 (12.0%) $1,715,055 (2.9%) 0.00 356
    2019-11-01 $699,000 (16.7%) $1,831,129 (6.8%) 0.00 312
    2019-12-01 $707,450 (20.9%) $1,890,188 (8.1%) 0.00 296
    2020-01-01 $698,000 (17.6%) $1,801,717 (19.2%) 0.00 264
    2020-02-01 $687,500 (15.5%) $1,793,027 (14.2%) 0.00 255
    2020-03-01 $753,875 (24.6%) $1,893,897 (16.3%) 0.00 232
    2020-04-01 $728,500 (17.6%) $1,827,773 (9.9%) 0.00 256
    2020-05-01 $720,000 (15.8%) $1,665,330 (7.3%) 0.00 272
    2020-06-01 $793,500 (24.2%) $1,967,390 (27.0%) 0.00 252
    2020-07-01 $796,750 (20.3%) $1,620,445 (-5.1%) 0.00 221
    2020-08-01 $835,900 (20.7%) $1,620,129 (-5.3%) 0.00 178
    2020-09-01 $884,125 (26.9%) $2,282,241 (33.0%) 0.00 146
    2020-10-01 $850,000 (21.7%) $2,377,675 (38.6%) 0.00 132
    2020-11-01 $838,750 (20.0%) $2,378,008 (29.9%) 0.00 121
    2020-12-01 $863,250 (22.0%) $2,617,479 (38.5%) 0.00 98
    2021-01-01 $912,000 (30.7%) $3,100,757 (72.1%) 0.00 72
    2021-02-01 $900,175 (30.9%) $3,446,921 (92.2%) 0.00 66
    2021-03-01 $801,500 (6.3%) $2,558,757 (35.1%) 0.00 70
    2021-04-01 $712,000 (-2.3%) $1,923,520 (5.2%) 0.00 108
    2021-05-01 $799,000 (11.0%) $1,946,512 (16.9%) 0.00 97
    2021-06-01 $850,500 (7.2%) $1,936,412 (-1.6%) 0.00 109
    2021-07-01 $862,500 (8.3%) $1,808,517 (11.6%) 0.00 125
    2021-08-01 $914,500 (9.4%) $1,890,986 (16.7%) 0.00 143
    2021-09-01 $903,000 (2.1%) $1,852,970 (-18.8%) 0.00 142
    2021-10-01 $870,000 (2.4%) $2,140,956 (-10.0%) 0.00 172
    2021-11-01 $885,750 (5.6%) $2,116,421 (-11.0%) 0.00 144
    2021-12-01 $879,000 (1.8%) $2,109,245 (-19.4%) 0.00 123
    2022-01-01 $885,000 (-3.0%) $2,434,293 (-21.5%) 0.00 102
    2022-02-01 $924,975 (2.8%) $2,605,579 (-24.4%) 0.00 78
    2022-03-01 $884,500 (10.4%) $2,267,069 (-11.4%) 0.00 78
    2022-04-01 $899,999 (26.4%) $2,045,426 (6.3%) 0.00 106
    2022-05-01 $883,725 (10.6%) $1,892,837 (-2.8%) 0.00 144
    2022-06-01 $849,950 (-0.1%) $2,549,194 (31.7%) 0.00 215
    2022-07-01 $849,500 (-1.5%) $2,245,560 (24.2%) 0.00 272
    2022-08-01 $844,000 (-7.7%) $2,234,645 (18.2%) 0.00 271
    2022-09-01 $844,250 (-6.5%) $2,157,865 (16.5%) 0.00 276
    2022-10-01 $834,000 (-4.1%) $2,096,406 (-2.1%) 0.00 259
    2022-11-01 $783,750 (-11.5%) $1,874,538 (-11.4%) 0.00 250
    2022-12-01 $798,000 (-9.2%) $1,839,645 (-12.8%) 0.00 227
    2023-01-01 $799,250 (-9.7%) $1,983,818 (-18.5%) 0.00 188
    2023-02-01 $799,000 (-13.6%) $2,224,690 (-14.6%) 0.00 177
    2023-03-01 $809,306 (-8.5%) $2,438,284 (7.6%) 0.00 160
    2023-04-01 $895,000 (-0.6%) $2,505,778 (22.5%) 0.00 156
    2023-05-01 $897,000 (1.5%) $2,331,208 (23.2%) 0.00 181
    2023-06-01 $944,472 (11.1%) $2,246,248 (-11.9%) 0.00 205
    2023-07-01 $998,000 (17.5%) $2,480,008 (10.4%) 0.00 222
    2023-08-01 $920,500 (9.1%) $2,420,858 (8.3%) 0.00 250
    2023-09-01 $949,000 (12.4%) $2,522,890 (16.9%) 0.00 258
    2023-10-01 $980,500 (17.6%) $2,563,640 (22.3%) 0.00 246
    2023-11-01 $972,000 (24.0%) $2,485,198 (32.6%) 0.00 244
    2023-12-01 $944,450 (18.4%) $2,464,848 (34.0%) 0.00 235
    2024-01-01 $919,450 (15.0%) $2,440,737 (23.0%) 0.00 210
    2024-02-01 $857,450 (7.3%) $2,185,262 (-1.8%) 0.00 201
    2024-03-01 $805,950 (-0.4%) $2,065,843 (-15.3%) 0.00 193
    2024-04-01 $880,975 (-1.6%) $2,242,571 (-10.5%) 0.00 199
    2024-05-01 $982,750 (9.6%) $2,381,905 (2.2%) 0.00 209
    2024-06-01 $914,000 (-3.2%) $2,334,527 (3.9%) 0.00 228
    2024-07-01 $948,250 (-5.0%) $2,150,529 (-13.3%) 0.00 270
    2024-08-01 $983,500 (6.8%) $2,127,084 (-12.1%) 0.00 287
    2024-09-01 $970,950 (2.3%) $2,265,193 (-10.2%) 0.00 286
    2024-10-01 $959,750 (-2.1%) $2,129,841 (-16.9%) 0.00 289
    Gardnerville Ranchos's median listing price for 2024-10-01 was $959,750, a difference of $-20,750 (-2.1%) versus the prior year and $-11,200 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 2024-10-01 was $2,129,841, a difference of $-433,799 (-16.9%) versus the prior year and $-135,352 versus the prior month.

    For the 2024-10-01 period, Gardnerville Ranchos had 289 MLS listings, a difference of 3 listings (1%) versus the prior month and 43 listings (17%) 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 2,238 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 2,209 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 2,198 sqft
    2019-05-01 0 days 2,229 sqft
    2019-06-01 0 days 2,285 sqft
    2019-07-01 0 days 2,302 sqft
    2019-08-01 0 days 2,304 sqft
    2019-09-01 0 days 2,358 sqft
    2019-10-01 0 days 2,388 sqft
    2019-11-01 0 days 2,375 sqft
    2019-12-01 0 days 2,421 sqft
    2020-01-01 0 days 2,434 sqft
    2020-02-01 0 days 2,431 sqft
    2020-03-01 0 days 2,489 sqft
    2020-04-01 0 days 2,455 sqft
    2020-05-01 0 days 2,446 sqft
    2020-06-01 0 days 2,615 sqft
    2020-07-01 0 days 2,658 sqft
    2020-08-01 0 days 2,665 sqft
    2020-09-01 0 days 2,635 sqft
    2020-10-01 0 days 2,579 sqft
    2020-11-01 0 days 2,376 sqft
    2020-12-01 0 days 2,544 sqft
    2021-01-01 0 days 2,514 sqft
    2021-02-01 0 days 2,521 sqft
    2021-03-01 0 days 2,330 sqft
    2021-04-01 0 days 2,082 sqft
    2021-05-01 0 days 2,116 sqft
    2021-06-01 0 days 2,161 sqft
    2021-07-01 0 days 2,152 sqft
    2021-08-01 0 days 2,215 sqft
    2021-09-01 0 days 2,301 sqft
    2021-10-01 0 days 2,140 sqft
    2021-11-01 0 days 2,149 sqft
    2021-12-01 0 days 2,107 sqft
    2022-01-01 0 days 2,136 sqft
    2022-02-01 0 days 2,299 sqft
    2022-03-01 0 days 2,155 sqft
    2022-04-01 0 days 2,204 sqft
    2022-05-01 0 days 2,109 sqft
    2022-06-01 0 days 2,139 sqft
    2022-07-01 0 days 2,136 sqft
    2022-08-01 0 days 2,126 sqft
    2022-09-01 0 days 2,134 sqft
    2022-10-01 0 days 2,119 sqft
    2022-11-01 0 days 2,122 sqft
    2022-12-01 0 days 2,128 sqft
    2023-01-01 0 days 2,174 sqft
    2023-02-01 0 days 2,132 sqft
    2023-03-01 0 days 2,109 sqft
    2023-04-01 0 days 2,232 sqft
    2023-05-01 0 days 2,203 sqft
    2023-06-01 0 days 2,209 sqft
    2023-07-01 0 days 2,319 sqft
    2023-08-01 0 days 2,249 sqft
    2023-09-01 0 days 2,342 sqft
    2023-10-01 0 days 2,460 sqft
    2023-11-01 0 days 2,335 sqft
    2023-12-01 0 days 2,272 sqft
    2024-01-01 0 days 2,272 sqft
    2024-02-01 0 days 2,206 sqft
    2024-03-01 0 days 2,202 sqft
    2024-04-01 0 days 2,293 sqft
    2024-05-01 0 days 2,369 sqft
    2024-06-01 0 days 2,232 sqft
    2024-07-01 0 days 2,224 sqft
    2024-08-01 0 days 2,193 sqft
    2024-09-01 0 days 2,192 sqft
    2024-10-01 0 days 2,168 sqft
    Gardnerville Ranchos's median listing age (time on market) for 2024-10-01 was 0 days.

    Gardnerville Ranchos's median square footage for active listings during the 2024-10-01 period was 2,168 sqft. One year prior, the average listing was 2,460 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.