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 31 lenders originated 92 VA loans during 2024. The total origination value was $49,110,000, with an average VA loan value of $533,804.

    Gardnerville Ranchos VA Loans, 30 Year Fixed Rates

    30 Year VA mortgages in Gardnerville Ranchos averaged 0.48% for the week of 2025-07-04, compared to the national average (all VA variants) of 0% for the same period.

    Gardnerville Ranchos's average VA mortgage closing costs are $7,895.

    The average rate for the prior week (2025-06-27) was 6.51% and one month ago for the week of 2025-05-30, the average rate was 6.84%.

    The average rate one year ago was 6.95%.

    For refis of the same type during the week of 2025-07-04, the average rate was 0.38%.

    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 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    GUILD MORTGAGE COMPANY 15 5.96% $16,311
    UNITED WHOLESALE MORTGAGE, LLC 11 5.93% $10,362
    Mortgage Research Center, LLC 9 6.30% $11,287
    PENNYMAC LOAN SERVICES, LLC 6 5.54% $14,682
    QUICKEN LOANS, LLC 6 5.83% $17,440
    MUTUAL OF OMAHA MORTGAGE, INC. 4 6.41% $22,748
    MASON MCDUFFIE MORTGAGE CORPORATION 3 6.79% $16,294
    NEW DAY FINANCIAL, LLC 3 7.53% $19,610
    U.S. Bank 3 5.74% $5,267
    PREMIER MORTGAGE RESOURCES, L.L.C. 3 5.08% $25,538
    The Central Trust Bank 2 7.25% $5,664
    Paramount Residential Mortgage Group, Inc. 2 6.00% $9,757
    CROSSCOUNTRY MORTGAGE, LLC 2 6.69% $10,800
    LOANDEPOT.COM, LLC 2 5.62% $26,940
    EVERGREEN MONEYSOURCE MORTGAGE COMPANY 2 6.44% $22,360
    NEWREZ LLC 2 6.37% $17,739
    NAVY FEDERAL CREDIT UNION 2 5.63% $2,702
    NBKC BANK 1 5.63% $2,908
    Barrington Bank & Trust Company, N.A. 1 5.75% $6,821
    EAGLE HOME MORTGAGE, LLC 1 5.50% $1,309
    GREATER NEVADA LLC 1 6.13% $11,594
    GUARANTEED RATE, INC. 1 6.49% $6,010
    LAKEVIEW LOAN SERVICING, LLC 1 6.50% $3,254
    LOANPAL, LLC 1 5.38% $8,466
    AMERISAVE MORTGAGE CORPORATION 1 6.25% $14,644
    PLANET HOME LENDING, LLC 1 5.99% $2,872
    PRIMELENDING, A PLAINSCAPITAL COMPANY 1 6.25% $8,768
    SUMMIT FUNDING, INC. 1 6.13% $847
    The Federal Savings Bank 1 5.88% $27,156
    TOP FLITE FINANCIAL, INC. 1 6.25% $22,327
    USAA Federal Savings Bank 1 6.13% $7,094

    The top Gardnerville Ranchos VA lender as defined by loan originations is GUILD MORTGAGE COMPANY, with 15 VA loans originated. Their average total fees are $16,311, which is $5,949 higher than the next largest lender, UNITED WHOLESALE MORTGAGE, LLC.

    The lowest fee Gardnerville Ranchos VA lenders (with over 10 loans originated) are UNITED WHOLESALE MORTGAGE, LLC ($10,362), GUILD MORTGAGE COMPANY ($16,311), .

    The lowest rate Gardnerville Ranchos VA lenders (with over 10 loans originated) are UNITED WHOLESALE MORTGAGE, LLC (5.93%), GUILD MORTGAGE COMPANY (5.96%), .

    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 $599,500 (4.3%) $1,549,244 (-23.5%) 0.00 268
    2018-02-01 $618,450 (8.0%) $1,367,939 (-25.3%) 0.00 245
    2018-03-01 $596,750 (2.5%) $1,607,125 (-15.1%) 0.00 239
    2018-04-01 $604,725 (5.2%) $1,708,296 (-8.6%) 0.00 249
    2018-05-01 $586,100 (1.9%) $1,581,193 (-11.2%) 0.00 278
    2018-06-01 $590,000 (3.8%) $1,585,001 (-6.8%) 0.00 322
    2018-07-01 $625,000 (9.8%) $1,466,252 (-12.0%) 0.00 366
    2018-08-01 $599,250 (5.4%) $1,426,035 (-19.5%) 0.00 386
    2018-09-01 $599,000 (3.5%) $1,515,693 (3.4%) 0.00 383
    2018-10-01 $593,000 (-1.3%) $1,506,296 (7.1%) 0.00 398
    2018-11-01 $587,000 (-4.1%) $1,550,423 (7.3%) 0.00 380
    2018-12-01 $575,000 (-10.6%) $1,560,641 (5.7%) 0.00 363
    2019-01-01 $575,000 (-4.1%) $1,357,780 (-12.4%) 0.00 322
    2019-02-01 $579,000 (-6.4%) $1,391,470 (1.7%) 0.00 299
    2019-03-01 $583,286 (-2.3%) $1,441,976 (-10.3%) 0.00 315
    2019-04-01 $593,350 (-1.9%) $1,497,855 (-12.3%) 0.00 335
    2019-05-01 $597,337 (1.9%) $1,430,665 (-9.5%) 0.00 358
    2019-06-01 $599,000 (1.5%) $1,420,823 (-10.4%) 0.00 378
    2019-07-01 $607,125 (-2.9%) $1,532,137 (4.5%) 0.00 441
    2019-08-01 $625,245 (4.3%) $1,524,811 (6.9%) 0.00 448
    2019-09-01 $639,114 (6.7%) $1,529,268 (0.9%) 0.00 434
    2019-10-01 $648,134 (9.3%) $1,531,946 (1.7%) 0.00 421
    2019-11-01 $649,900 (10.7%) $1,610,642 (3.9%) 0.00 373
    2019-12-01 $657,000 (14.3%) $1,672,668 (7.2%) 0.00 355
    2020-01-01 $649,000 (12.9%) $1,567,252 (15.4%) 0.00 324
    2020-02-01 $649,000 (12.1%) $1,560,695 (12.2%) 0.00 310
    2020-03-01 $686,500 (17.7%) $1,634,493 (13.4%) 0.00 286
    2020-04-01 $665,500 (12.2%) $1,589,873 (6.1%) 0.00 311
    2020-05-01 $659,000 (10.3%) $1,490,116 (4.2%) 0.00 321
    2020-06-01 $762,500 (27.3%) $1,743,909 (22.7%) 0.00 297
    2020-07-01 $772,325 (27.2%) $1,439,961 (-6.0%) 0.00 269
    2020-08-01 $794,000 (27.0%) $1,455,398 (-4.6%) 0.00 222
    2020-09-01 $814,625 (27.5%) $1,900,068 (24.3%) 0.00 188
    2020-10-01 $799,000 (23.3%) $2,008,854 (31.1%) 0.00 173
    2020-11-01 $767,000 (18.0%) $2,001,053 (24.2%) 0.00 157
    2020-12-01 $796,750 (21.3%) $2,161,559 (29.2%) 0.00 130
    2021-01-01 $829,000 (27.7%) $2,515,018 (60.5%) 0.00 98
    2021-02-01 $783,750 (20.8%) $2,696,687 (72.8%) 0.00 92
    2021-03-01 $690,000 (0.5%) $2,114,357 (29.4%) 0.00 96
    2021-04-01 $623,750 (-6.3%) $1,666,009 (4.8%) 0.00 133
    2021-05-01 $704,500 (6.9%) $1,692,858 (13.6%) 0.00 121
    2021-06-01 $779,750 (2.3%) $1,676,846 (-3.9%) 0.00 137
    2021-07-01 $800,000 (3.6%) $1,612,391 (12.0%) 0.00 156
    2021-08-01 $811,950 (2.3%) $1,663,004 (14.3%) 0.00 175
    2021-09-01 $812,250 (-0.3%) $1,660,521 (-12.6%) 0.00 171
    2021-10-01 $799,000 (0.0%) $1,937,856 (-3.5%) 0.00 200
    2021-11-01 $800,000 (4.3%) $1,910,465 (-4.5%) 0.00 167
    2021-12-01 $786,500 (-1.3%) $1,900,262 (-12.1%) 0.00 144
    2022-01-01 $806,950 (-2.7%) $2,119,420 (-15.7%) 0.00 125
    2022-02-01 $849,000 (8.3%) $2,155,044 (-20.1%) 0.00 104
    2022-03-01 $831,056 (20.4%) $1,857,989 (-12.1%) 0.00 105
    2022-04-01 $848,628 (36.1%) $1,743,899 (4.7%) 0.00 137
    2022-05-01 $844,000 (19.8%) $1,673,711 (-1.1%) 0.00 174
    2022-06-01 $825,000 (5.8%) $2,276,314 (35.8%) 0.00 252
    2022-07-01 $829,700 (3.7%) $2,047,015 (27.0%) 0.00 310
    2022-08-01 $825,000 (1.6%) $2,054,261 (23.5%) 0.00 308
    2022-09-01 $804,500 (-1.0%) $2,000,754 (20.5%) 0.00 310
    2022-10-01 $799,000 (0.0%) $1,971,832 (1.8%) 0.00 288
    2022-11-01 $764,806 (-4.4%) $1,764,165 (-7.7%) 0.00 280
    2022-12-01 $765,000 (-2.7%) $1,675,996 (-11.8%) 0.00 260
    2023-01-01 $753,481 (-6.6%) $1,754,413 (-17.2%) 0.00 222
    2023-02-01 $756,750 (-10.9%) $1,940,398 (-10.0%) 0.00 207
    2023-03-01 $722,500 (-13.1%) $2,088,471 (12.4%) 0.00 193
    2023-04-01 $807,900 (-4.8%) $2,134,796 (22.4%) 0.00 190
    2023-05-01 $825,000 (-2.3%) $2,050,056 (22.5%) 0.00 215
    2023-06-01 $845,000 (2.4%) $2,001,726 (-12.1%) 0.00 240
    2023-07-01 $877,000 (5.7%) $2,166,351 (5.8%) 0.00 270
    2023-08-01 $850,550 (3.1%) $2,140,122 (4.2%) 0.00 298
    2023-09-01 $865,000 (7.5%) $2,219,581 (10.9%) 0.00 305
    2023-10-01 $885,925 (10.9%) $2,270,382 (15.1%) 0.00 290
    2023-11-01 $885,375 (15.8%) $2,204,022 (24.9%) 0.00 291
    2023-12-01 $850,000 (11.1%) $2,192,917 (30.8%) 0.00 279
    2024-01-01 $838,882 (11.3%) $2,166,105 (23.5%) 0.00 248
    2024-02-01 $773,475 (2.2%) $1,931,198 (-0.5%) 0.00 240
    2024-03-01 $760,800 (5.3%) $1,805,412 (-13.6%) 0.00 234
    2024-04-01 $805,235 (-0.3%) $1,946,896 (-8.8%) 0.00 236
    2024-05-01 $854,975 (3.6%) $2,032,715 (-0.9%) 0.00 249
    2024-06-01 $844,000 (-0.1%) $1,986,178 (-0.8%) 0.00 278
    2024-07-01 $847,425 (-3.4%) $1,874,159 (-13.5%) 0.00 328
    2024-08-01 $862,000 (1.4%) $1,861,482 (-13.0%) 0.00 341
    2024-09-01 $895,450 (3.5%) $2,042,524 (-8.0%) 0.00 331
    2024-10-01 $889,450 (0.4%) $1,950,604 (-14.1%) 0.00 332
    2024-11-01 $865,000 (-2.3%) $2,517,903 (14.2%) 0.00 334
    2024-12-01 $862,000 (1.4%) $2,451,419 (11.8%) 0.00 308
    2025-01-01 $847,500 (1.0%) $2,449,812 (13.1%) 0.00 290
    2025-02-01 $861,000 (11.3%) $2,429,627 (25.8%) 0.00 300
    2025-03-01 $934,000 (22.8%) $2,814,521 (55.9%) 0.00 289
    2025-04-01 $906,900 (12.6%) $2,770,360 (42.3%) 0.00 312
    2025-05-01 $903,708 (5.7%) $2,592,776 (27.6%) 0.00 354
    Gardnerville Ranchos's median listing price for 2025-05-01 was $903,708, a difference of $48,733 (5.7%) versus the prior year and $-3,192 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 2025-05-01 was $2,592,776, a difference of $560,061 (27.6%) versus the prior year and $-177,584 versus the prior month.

    For the 2025-05-01 period, Gardnerville Ranchos had 354 MLS listings, a difference of 42 listings (13%) versus the prior month and 105 listings (42%) 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 2,137 sqft
    2018-02-01 0 days 2,240 sqft
    2018-03-01 0 days 2,236 sqft
    2018-04-01 0 days 2,272 sqft
    2018-05-01 0 days 2,210 sqft
    2018-06-01 0 days 2,203 sqft
    2018-07-01 0 days 2,182 sqft
    2018-08-01 0 days 2,146 sqft
    2018-09-01 0 days 2,143 sqft
    2018-10-01 0 days 2,127 sqft
    2018-11-01 0 days 2,142 sqft
    2018-12-01 0 days 2,140 sqft
    2019-01-01 0 days 2,101 sqft
    2019-02-01 0 days 2,124 sqft
    2019-03-01 0 days 2,095 sqft
    2019-04-01 0 days 2,113 sqft
    2019-05-01 0 days 2,146 sqft
    2019-06-01 0 days 2,225 sqft
    2019-07-01 0 days 2,211 sqft
    2019-08-01 0 days 2,181 sqft
    2019-09-01 0 days 2,212 sqft
    2019-10-01 0 days 2,228 sqft
    2019-11-01 0 days 2,205 sqft
    2019-12-01 0 days 2,228 sqft
    2020-01-01 0 days 2,200 sqft
    2020-02-01 0 days 2,194 sqft
    2020-03-01 0 days 2,292 sqft
    2020-04-01 0 days 2,264 sqft
    2020-05-01 0 days 2,238 sqft
    2020-06-01 0 days 2,486 sqft
    2020-07-01 0 days 2,496 sqft
    2020-08-01 0 days 2,498 sqft
    2020-09-01 0 days 2,442 sqft
    2020-10-01 0 days 2,373 sqft
    2020-11-01 0 days 2,171 sqft
    2020-12-01 0 days 2,315 sqft
    2021-01-01 0 days 2,200 sqft
    2021-02-01 0 days 2,146 sqft
    2021-03-01 0 days 1,995 sqft
    2021-04-01 0 days 1,952 sqft
    2021-05-01 0 days 2,005 sqft
    2021-06-01 0 days 2,040 sqft
    2021-07-01 0 days 2,058 sqft
    2021-08-01 0 days 2,096 sqft
    2021-09-01 0 days 2,138 sqft
    2021-10-01 0 days 2,096 sqft
    2021-11-01 0 days 2,098 sqft
    2021-12-01 0 days 2,012 sqft
    2022-01-01 0 days 2,048 sqft
    2022-02-01 0 days 2,187 sqft
    2022-03-01 0 days 2,031 sqft
    2022-04-01 0 days 2,062 sqft
    2022-05-01 0 days 2,072 sqft
    2022-06-01 0 days 2,074 sqft
    2022-07-01 0 days 2,093 sqft
    2022-08-01 0 days 2,094 sqft
    2022-09-01 0 days 2,113 sqft
    2022-10-01 0 days 2,091 sqft
    2022-11-01 0 days 2,087 sqft
    2022-12-01 0 days 2,072 sqft
    2023-01-01 0 days 2,057 sqft
    2023-02-01 0 days 2,034 sqft
    2023-03-01 0 days 1,963 sqft
    2023-04-01 0 days 2,080 sqft
    2023-05-01 0 days 2,097 sqft
    2023-06-01 0 days 2,082 sqft
    2023-07-01 0 days 2,160 sqft
    2023-08-01 0 days 2,101 sqft
    2023-09-01 0 days 2,191 sqft
    2023-10-01 0 days 2,292 sqft
    2023-11-01 0 days 2,218 sqft
    2023-12-01 0 days 2,196 sqft
    2024-01-01 0 days 2,198 sqft
    2024-02-01 0 days 2,156 sqft
    2024-03-01 0 days 2,117 sqft
    2024-04-01 0 days 2,187 sqft
    2024-05-01 0 days 2,213 sqft
    2024-06-01 0 days 2,156 sqft
    2024-07-01 0 days 2,154 sqft
    2024-08-01 0 days 2,086 sqft
    2024-09-01 0 days 2,133 sqft
    2024-10-01 0 days 2,119 sqft
    2024-11-01 0 days 2,146 sqft
    2024-12-01 0 days 2,166 sqft
    2025-01-01 0 days 2,164 sqft
    2025-02-01 0 days 2,154 sqft
    2025-03-01 0 days 2,188 sqft
    2025-04-01 0 days 2,160 sqft
    2025-05-01 0 days 2,170 sqft
    Gardnerville Ranchos's median listing age (time on market) for 2025-05-01 was 0 days.

    Gardnerville Ranchos's median square footage for active listings during the 2025-05-01 period was 2,170 sqft. One year prior, the average listing was 2,213 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.