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 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 6.17% for the week of 2024-12-13, compared to the national average (all VA variants) of 6.077% for the same period.

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

The average rate for the prior week (2024-12-06) was 6.1% and one month ago for the week of 2024-11-08, the average rate was 6.2%.

The average rate one year ago was 6.55%.

For refis of the same type during the week of 2024-12-13, the average rate was 6.28%.

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
2024-11-01 $885,500 (-8.9%) $2,741,877 (10.3%) 0.00 290
Gardnerville Ranchos's median listing price for 2024-11-01 was $885,500, a difference of $-86,500 (-8.9%) versus the prior year and $-74,250 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 2024-11-01 was $2,741,877, a difference of $256,679 (10.3%) versus the prior year and $612,036 versus the prior month.

For the 2024-11-01 period, Gardnerville Ranchos had 290 MLS listings, a difference of 1 listings (0%) versus the prior month and 46 listings (19%) 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
2024-11-01 0 days 2,164 sqft
Gardnerville Ranchos's median listing age (time on market) for 2024-11-01 was 0 days.

Gardnerville Ranchos's median square footage for active listings during the 2024-11-01 period was 2,164 sqft. One year prior, the average listing was 2,335 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.