Gettysburg VA Loan Rates, Closing Costs & Stats

GETTYSBURG, PA

  • JUMP TO:
  • Trends
  • Rates vs Fees
  • Top Lenders
  • Markets
  • Market Conditions & Pricing
  • Time on Market/Property Size

    • 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 6.77% for the week of 2024-04-12, compared to the national average (all VA variants) of 6.574% for the same period.

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

    The average rate for the prior week (2024-04-05) was 6.42% and one month ago for the week of 2024-03-08, the average rate was 6.65%.

    The average rate one year ago was 6.04%.

    For refis of the same type during the week of 2024-04-12, the average rate was 6.16%.

    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
    Gettysburg's median listing price for 2024-03-01 was $399,900, a difference of $11 (0.0%) versus the prior year and $0 versus the prior month.

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

    Gettysburg's average listing price for 2024-03-01 was $429,646, a difference of $-31,699 (-6.9%) versus the prior year and $-2,263 versus the prior month.

    For the 2024-03-01 period, Gettysburg had 124 MLS listings, a difference of 7 listings (6%) versus the prior month and 12 listings (11%) 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
    Gettysburg's median listing age (time on market) for 2024-03-01 was 0 days.

    Gettysburg's median square footage for active listings during the 2024-03-01 period was 1,872 sqft. One year prior, the average listing was 1,969 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.