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 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.