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%.
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.
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. LouisDate | 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 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. LouisDate | 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 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.