Gettysburg VA Loan Rates, Closing Costs & Stats

GETTYSBURG, PA

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.

Gettysburg's 47 lenders originated 128 VA loans during 2023. The total origination value was $42,910,000, with an average VA loan value of $335,234.

Gettysburg VA Loans, 30 Year Fixed Rates

30 Year VA mortgages in Gettysburg averaged 0.1% for the week of 2024-11-29, compared to the national average (all VA variants) of 0% for the same period.

Gettysburg's average VA mortgage closing costs are $7,176.

The average rate for the prior week (2024-11-22) was 6.46% and one month ago for the week of 2024-10-25, the average rate was 6.46%.

The average rate one year ago was 7%.

For refis of the same type during the week of 2024-11-29, the average rate was -0.52%.

Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations.

Gettysburg 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 Gettysburg level.

Name # of Loans 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
Mortgage Research Center, LLC 14 6.90% $5,765
CROSSCOUNTRY MORTGAGE, LLC 10 6.32% $10,726
QUICKEN LOANS, LLC 7 5.91% $13,868
DHI MORTGAGE COMPANY, LTD. 6 5.37% $8,402
CMG MORTGAGE, INC. 5 6.63% $16,478
NEW DAY FINANCIAL, LLC 4 7.43% $9,611
MOVEMENT MORTGAGE, LLC 4 6.22% $7,265
EAGLE HOME MORTGAGE, LLC 4 6.25% $4,858
NAVY FEDERAL CREDIT UNION 4 5.78% $4,417
York Traditions Bank 4 6.06% $8,367
CALIBER HOME LOANS, INC. 3 6.63% $14,501
Northpointe Bank 3 6.58% $9,437
Integrity Home Mortgage Corp 3 6.17% $15,098
USAA Federal Savings Bank 3 6.00% $11,522
LOANDEPOT.COM, LLC 3 6.38% $9,599
PENNYMAC LOAN SERVICES, LLC 3 5.66% $9,836
PENTAGON FEDERAL CREDIT UNION 3 5.83% $10,378
PNC Bank 3 6.71% $11,462
FIRST HOME MORTGAGE CORPORATION 3 6.63% $9,220
Equity Prime Mortgage LLC 2 6.75% $6,828
FREEDOM MORTGAGE CORPORATION 2 7.25% $24,230
George Mason Mortgage, LLC 2 6.75% $10,276
Towne Bank 2 6.44% $16,120
UNITED WHOLESALE MORTGAGE, LLC 2 6.79% $10,358
BAY CAPITAL MORTGAGE CORPORATION 2 5.75% $24,109
TIDEWATER MORTGAGE SERVICES, INC. 1 5.75% $14,912
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 1 6.75% $24,003
ARK-LA-TEX FINANCIAL SERVICES, LLC. 1 5.63% $11,714
CHERRY CREEK MORTGAGE, LLC 1 6.75% $12,494
DRAPER AND KRAMER MORTGAGE CORP. 1 7.13% $11,725
EMM LOANS LLC 1 6.25% $28,229
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 1 6.75% $625
Farmers and Merchants Trust Company of Chambersburg 1 6.50% $4,774
FIRST ALLIANCE HOME MORTGAGE, LLC 1 7.25% $12,867
GUILD MORTGAGE COMPANY 1 7.13% $14,215
Homesale Mortgage, LLC 1 7.50% $3,604
MEMBERS 1ST FEDERAL CREDIT UNION 1 6.13% $5,499
Mortgage America, Inc. 1 5.75% $29,156
M&T Bank 1 5.75% $3,424
MUTUAL OF OMAHA MORTGAGE, INC. 1 7.25% $8,957
NFM, INC. 1 5.50% $4,551
PRIMELENDING, A PLAINSCAPITAL COMPANY 1 7.25% $4,898
RELIANCE FIRST CAPITAL, LLC 1 6.13% $12,496
SOVEREIGN LENDING GROUP INCORPORATED 1 5.49% $13,401
The Federal Savings Bank 1 6.25% $19,860
AMERICAN FINANCIAL NETWORK, INC. 1 6.50% $39,637
UNION HOME MORTGAGE CORP. 1 6.00% $20,449

The top Gettysburg VA lender as defined by loan originations is Mortgage Research Center, LLC, with 14 VA loans originated. Their average total fees are $5,765, which is $4,960 lower than the next largest lender, CROSSCOUNTRY MORTGAGE, LLC.

The lowest fee Gettysburg VA lenders (with over 10 loans originated) are Mortgage Research Center, LLC ($5,765), CROSSCOUNTRY MORTGAGE, LLC ($10,726), .

The lowest rate Gettysburg VA lenders (with over 10 loans originated) are CROSSCOUNTRY MORTGAGE, LLC (6.32%), Mortgage Research Center, LLC (6.90%), .


Market Conditions (Median, Average Prices & Listing Count)

Realtor.com - Gettysburg (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 $224,900 (2.3%) $275,359 (6.6%) 0.00 401
2018-02-01 $224,900 (0.0%) $276,502 (5.1%) 0.00 395
2018-03-01 $229,900 (0.0%) $277,805 (0.8%) 0.00 411
2018-04-01 $234,800 (0.0%) $270,447 (-5.6%) 0.00 409
2018-05-01 $239,900 (2.3%) $280,010 (-1.2%) 0.00 418
2018-06-01 $239,650 (0.6%) $277,438 (-4.2%) 0.00 436
2018-07-01 $245,152 (2.2%) $281,126 (-4.2%) 0.00 423
2018-08-01 $249,000 (5.0%) $285,889 (-2.6%) 0.00 404
2018-09-01 $234,900 (-2.1%) $275,477 (-8.9%) 0.00 415
2018-10-01 $228,700 (-1.2%) $270,219 (-9.5%) 0.00 399
2018-11-01 $224,925 (-0.9%) $272,004 (-6.8%) 0.00 388
2018-12-01 $223,615 (0.3%) $263,888 (-7.0%) 0.00 354
2019-01-01 $222,400 (-1.1%) $266,587 (-3.2%) 0.00 313
2019-02-01 $229,900 (2.2%) $272,073 (-1.6%) 0.00 328
2019-03-01 $238,471 (3.7%) $275,998 (-0.7%) 0.00 329
2019-04-01 $245,021 (4.4%) $282,227 (4.4%) 0.00 354
2019-05-01 $253,832 (5.8%) $297,936 (6.4%) 0.00 391
2019-06-01 $249,900 (4.3%) $294,602 (6.2%) 0.00 395
2019-07-01 $249,900 (1.9%) $300,074 (6.7%) 0.00 405
2019-08-01 $252,627 (1.5%) $305,862 (7.0%) 0.00 395
2019-09-01 $256,718 (9.3%) $312,392 (13.4%) 0.00 379
2019-10-01 $254,495 (11.3%) $317,740 (17.6%) 0.00 360
2019-11-01 $254,900 (13.3%) $321,367 (18.2%) 0.00 336
2019-12-01 $258,125 (15.4%) $319,607 (21.1%) 0.00 293
2020-01-01 $259,900 (16.9%) $321,991 (20.8%) 0.00 271
2020-02-01 $264,900 (15.2%) $315,922 (16.1%) 0.00 274
2020-03-01 $277,290 (16.3%) $348,418 (26.2%) 0.00 262
2020-04-01 $278,307 (13.6%) $358,197 (26.9%) 0.00 240
2020-05-01 $279,600 (10.2%) $354,829 (19.1%) 0.00 257
2020-06-01 $289,900 (16.0%) $357,687 (21.4%) 0.00 246
2020-07-01 $300,950 (20.4%) $387,516 (29.1%) 0.00 198
2020-08-01 $304,500 (20.5%) $398,155 (30.2%) 0.00 192
2020-09-01 $320,195 (24.7%) $410,211 (31.3%) 0.00 188
2020-10-01 $318,590 (25.2%) $400,052 (25.9%) 0.00 176
2020-11-01 $327,948 (28.7%) $407,567 (26.8%) 0.00 171
2020-12-01 $327,562 (26.9%) $405,753 (27.0%) 0.00 160
2021-01-01 $329,900 (26.9%) $404,951 (25.8%) 0.00 147
2021-02-01 $332,753 (25.6%) $396,159 (25.4%) 0.00 124
2021-03-01 $328,626 (18.5%) $353,119 (1.4%) 0.00 127
2021-04-01 $338,629 (21.7%) $355,737 (-0.7%) 0.00 113
2021-05-01 $350,000 (25.2%) $360,838 (1.7%) 0.00 114
2021-06-01 $358,433 (23.6%) $363,484 (1.6%) 0.00 128
2021-07-01 $344,990 (14.6%) $361,388 (-6.7%) 0.00 131
2021-08-01 $317,725 (4.3%) $339,597 (-14.7%) 0.00 138
2021-09-01 $309,950 (-3.2%) $334,760 (-18.4%) 0.00 122
2021-10-01 $310,000 (-2.7%) $334,185 (-16.5%) 0.00 127
2021-11-01 $309,925 (-5.5%) $333,816 (-18.1%) 0.00 117
2021-12-01 $329,950 (0.7%) $335,901 (-17.2%) 0.00 99
2022-01-01 $352,445 (6.8%) $369,596 (-8.7%) 0.00 106
2022-02-01 $369,945 (11.2%) $444,555 (12.2%) 0.00 117
2022-03-01 $372,600 (13.4%) $480,426 (36.1%) 0.00 118
2022-04-01 $374,950 (10.7%) $467,213 (31.3%) 0.00 126
2022-05-01 $376,238 (7.5%) $431,667 (19.6%) 0.00 145
2022-06-01 $366,157 (2.2%) $383,523 (5.5%) 0.00 152
2022-07-01 $355,492 (3.0%) $424,787 (17.5%) 0.00 162
2022-08-01 $360,353 (13.4%) $420,926 (24.0%) 0.00 176
2022-09-01 $380,010 (22.6%) $440,804 (31.7%) 0.00 168
2022-10-01 $374,990 (21.0%) $442,235 (32.3%) 0.00 157
2022-11-01 $359,000 (15.8%) $444,286 (33.1%) 0.00 156
2022-12-01 $349,950 (6.1%) $435,135 (29.5%) 0.00 134
2023-01-01 $377,650 (7.2%) $439,984 (19.0%) 0.00 120
2023-02-01 $389,925 (5.4%) $441,696 (-0.6%) 0.00 116
2023-03-01 $399,889 (7.3%) $461,345 (-4.0%) 0.00 112
2023-04-01 $399,995 (6.7%) $474,832 (1.6%) 0.00 112
2023-05-01 $399,923 (6.3%) $453,290 (5.0%) 0.00 123
2023-06-01 $403,686 (10.3%) $453,218 (18.2%) 0.00 119
2023-07-01 $399,990 (12.5%) $455,260 (7.2%) 0.00 110
2023-08-01 $405,359 (12.5%) $469,014 (11.4%) 0.00 118
2023-09-01 $399,900 (5.2%) $468,846 (6.4%) 0.00 135
2023-10-01 $397,927 (6.1%) $443,996 (0.4%) 0.00 144
2023-11-01 $399,135 (11.2%) $420,058 (-5.5%) 0.00 152
2023-12-01 $382,445 (9.3%) $408,033 (-6.2%) 0.00 146
2024-01-01 $399,900 (5.9%) $411,043 (-6.6%) 0.00 125
2024-02-01 $399,900 (2.6%) $431,909 (-2.2%) 0.00 117
2024-03-01 $399,900 (0.0%) $429,646 (-6.9%) 0.00 124
2024-04-01 $399,900 (0.0%) $437,083 (-8.0%) 0.00 129
2024-05-01 $412,473 (3.1%) $458,572 (1.2%) 0.00 137
2024-06-01 $421,000 (4.3%) $458,337 (1.1%) 0.00 150
2024-07-01 $419,223 (4.8%) $458,640 (0.7%) 0.00 156
2024-08-01 $404,990 (-0.1%) $459,273 (-2.1%) 0.00 160
2024-09-01 $407,740 (2.0%) $447,371 (-4.6%) 0.00 159
2024-10-01 $401,970 (1.0%) $445,887 (0.4%) 0.00 170
Gettysburg's median listing price for 2024-10-01 was $401,970, a difference of $4,043 (1.0%) versus the prior year and $-5,770 versus the prior month.

Gettysburg's median listing price comes in at 0% of the national average.

Gettysburg's average listing price for 2024-10-01 was $445,887, a difference of $1,891 (0.4%) versus the prior year and $-1,484 versus the prior month.

For the 2024-10-01 period, Gettysburg had 170 MLS listings, a difference of 11 listings (7%) versus the prior month and 26 listings (18%) versus the prior year.

Median Listing Time on Market & Square Footage

Realtor.com - Gettysburg (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Time on Market Median Square Footage
2018-01-01 0 days 1,722 sqft
2018-02-01 0 days 1,727 sqft
2018-03-01 0 days 1,756 sqft
2018-04-01 0 days 1,776 sqft
2018-05-01 0 days 1,798 sqft
2018-06-01 0 days 1,947 sqft
2018-07-01 0 days 1,950 sqft
2018-08-01 0 days 1,949 sqft
2018-09-01 0 days 1,904 sqft
2018-10-01 0 days 1,915 sqft
2018-11-01 0 days 1,904 sqft
2018-12-01 0 days 1,872 sqft
2019-01-01 0 days 1,886 sqft
2019-02-01 0 days 1,903 sqft
2019-03-01 0 days 1,923 sqft
2019-04-01 0 days 1,965 sqft
2019-05-01 0 days 1,983 sqft
2019-06-01 0 days 1,973 sqft
2019-07-01 0 days 1,982 sqft
2019-08-01 0 days 1,985 sqft
2019-09-01 0 days 1,991 sqft
2019-10-01 0 days 1,993 sqft
2019-11-01 0 days 1,992 sqft
2019-12-01 0 days 1,981 sqft
2020-01-01 0 days 1,947 sqft
2020-02-01 0 days 1,986 sqft
2020-03-01 0 days 1,992 sqft
2020-04-01 0 days 1,982 sqft
2020-05-01 0 days 1,958 sqft
2020-06-01 0 days 1,954 sqft
2020-07-01 0 days 1,949 sqft
2020-08-01 0 days 1,946 sqft
2020-09-01 0 days 1,946 sqft
2020-10-01 0 days 2,016 sqft
2020-11-01 0 days 2,036 sqft
2020-12-01 0 days 1,975 sqft
2021-01-01 0 days 1,950 sqft
2021-02-01 0 days 1,950 sqft
2021-03-01 0 days 1,934 sqft
2021-04-01 0 days 1,991 sqft
2021-05-01 0 days 1,981 sqft
2021-06-01 0 days 2,032 sqft
2021-07-01 0 days 2,093 sqft
2021-08-01 0 days 1,969 sqft
2021-09-01 0 days 1,969 sqft
2021-10-01 0 days 1,952 sqft
2021-11-01 0 days 1,915 sqft
2021-12-01 0 days 1,891 sqft
2022-01-01 0 days 1,929 sqft
2022-02-01 0 days 1,954 sqft
2022-03-01 0 days 1,958 sqft
2022-04-01 0 days 1,957 sqft
2022-05-01 0 days 1,969 sqft
2022-06-01 0 days 1,967 sqft
2022-07-01 0 days 1,973 sqft
2022-08-01 0 days 1,967 sqft
2022-09-01 0 days 2,013 sqft
2022-10-01 0 days 1,991 sqft
2022-11-01 0 days 1,965 sqft
2022-12-01 0 days 1,974 sqft
2023-01-01 0 days 1,988 sqft
2023-02-01 0 days 1,969 sqft
2023-03-01 0 days 1,969 sqft
2023-04-01 0 days 2,009 sqft
2023-05-01 0 days 2,018 sqft
2023-06-01 0 days 2,039 sqft
2023-07-01 0 days 2,021 sqft
2023-08-01 0 days 1,988 sqft
2023-09-01 0 days 1,944 sqft
2023-10-01 0 days 1,936 sqft
2023-11-01 0 days 1,900 sqft
2023-12-01 0 days 1,868 sqft
2024-01-01 0 days 1,863 sqft
2024-02-01 0 days 1,859 sqft
2024-03-01 0 days 1,872 sqft
2024-04-01 0 days 1,871 sqft
2024-05-01 0 days 1,961 sqft
2024-06-01 0 days 1,980 sqft
2024-07-01 0 days 1,990 sqft
2024-08-01 0 days 1,984 sqft
2024-09-01 0 days 1,996 sqft
2024-10-01 0 days 2,013 sqft
Gettysburg's median listing age (time on market) for 2024-10-01 was 0 days.

Gettysburg's median square footage for active listings during the 2024-10-01 period was 2,013 sqft. One year prior, the average listing was 1,936 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.