Greeley VA Loans

GREELEY, CO

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.

Greeley's 174 lenders originated 2,517 VA loans during 2021. The total origination value was $965,055,000, with an average VA loan value of $383,415.

Greeley VA Loans, 30 Year Fixed Rates

30 Year VA mortgages in Greeley averaged 6.39% for the week of 2022-09-23, compared to the national average (all VA variants) of 5.992% for the same period.

The average rate for the prior week (2022-09-16) was 6.25% and one month ago for the week of 2022-08-19, the average rate was 5.5%.

The average rate one year ago was 3.11%.

For refis of the same type during the week of 2022-09-23, the average rate was 6.1%.

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

Greeley VA Loan Lenders by Rates & Fees

The below table looks at the average fees and rates for VA 30 Year Fixed Rate (purchase, first lien) mortgages originated by each lender at the Greeley level.

Name # of Loans 2021 Avg. 30yFix Rate 2021 Avg. Total Fees
FREEDOM MORTGAGE CORPORATION 173 2.39% $3,754
UNITED WHOLESALE MORTGAGE, LLC 149 2.53% $8,260
Mortgage Research Center, LLC 136 2.77% $7,271
QUICKEN LOANS, LLC 117 2.43% $6,581
PENNYMAC LOAN SERVICES, LLC 101 2.35% $6,500
AMERICAN FINANCING CORPORATION 94 2.51% $5,947
CALIBER HOME LOANS, INC. 92 2.47% $5,520
LOANDEPOT.COM, LLC 92 2.55% $7,874
HOME POINT FINANCIAL CORPORATION 72 2.42% $5,737
CROSSCOUNTRY MORTGAGE, LLC 68 2.99% $9,043
LAKEVIEW LOAN SERVICING, LLC 65 2.39% $3,588
DHI MORTGAGE COMPANY, LTD. 58 2.65% $9,554
NAVY FEDERAL CREDIT UNION 42 2.49% $6,495
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 41 3.04% $9,155
CHERRY CREEK MORTGAGE, LLC 40 2.65% $5,440
BROKER SOLUTIONS, INC. 38 2.76% $9,819
USAA Federal Savings Bank 35 2.78% $5,292
Mr. Cooper ( Nationstar Mortgage ) 32 2.55% $5,668
VILLAGE CAPITAL MORTGAGE 29 2.26% $3,772
CLEARPATH LENDING 28 2.23% $4,506
PRIMARY RESIDENTIAL MORTGAGE, INC. 26 2.84% $9,327
GUILD MORTGAGE COMPANY 25 2.77% $9,675
NEW DAY FINANCIAL, LLC 23 2.83% $7,777
CORNERSTONE HOME LENDING, INC. 21 2.87% $8,532
HOMEAMERICAN MORTGAGE CORPORATION 21 2.69% $4,975
The Federal Savings Bank 21 2.49% $9,818
PLANET HOME LENDING, LLC 21 2.82% $4,264
Wells Fargo Bank 19 2.55% $5,996
INSPIRE HOME LOANS INC. 18 2.83% $8,343
ACADEMY MORTGAGE CORPORATION 17 2.75% $8,799
GROUP MORTGAGE, LLC 16 2.76% $7,020
Amerifirst Financial, Inc. 14 2.59% $7,847
UNIVERSAL LENDING CORPORATION 14 3.06% $9,201
MEGASTAR FINANCIAL CORP. 14 2.85% $7,737
NEWREZ LLC 13 2.63% $3,098
Low VA Rates, LLC 11 2.58% $5,678
Gateway First Bank 11 2.65% $9,008
GUARANTEED RATE AFFINITY, LLC 11 2.48% $6,177
EAGLE HOME MORTGAGE, LLC 11 2.55% $11,384
Barrington Bank & Trust Company, N.A. 11 2.85% $7,990
First National Bank of Omaha 11 2.93% $3,762
HOMEBRIDGE FINANCIAL SERVICES, INC. 10 2.57% $9,619
InterContinental Capital Group, Inc 10 2.29% $3,299
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP 9 2.67% $6,872
Elevations Credit Union 9 2.51% $8,191
BNC National Bank 9 2.28% $6,013
Flagstar Bank, FSB 8 2.98% $13,008
NBH Bank 8 2.66% $3,581
SUN WEST MORTGAGE COMPANY, INC. 8 2.50% $3,679
First Guaranty Mortgage Corporation 8 2.45% $4,161
HOME MORTGAGE ALLIANCE, LLC 8 2.61% $11,065
Carrington Mortgage Services, LLC 7 2.75% $3,960
Hometown Lenders, Inc. 7 2.73% $9,645
Northpointe Bank 7 2.88% $12,217
AMERISAVE MORTGAGE CORPORATION 7 2.66% $6,820
NFM, INC. 7 2.80% $14,543
Ent Credit Union 7 2.48% $9,936
Bank of Colorado 7 2.55% $5,565
Nations Lending Corporation 6 2.94% $12,384
Magnolia Bank 6 2.81% $8,239
NEST HOME LENDING, LLC 6 2.58% $16,178
GUARANTEED RATE, INC. 6 2.46% $6,108
BOKF 6 2.83% $10,768
NP, Inc. 6 2.27% $4,606
LOANPAL, LLC 6 2.48% $8,999
CELEBRITY HOME LOANS, LLC 6 2.73% $8,980
Bank of England 5 2.95% $7,093
THRIVE MORTGAGE, LLC 5 2.80% $14,612
S1L, Inc. 5 3.05% $6,029
American Mortgage & Equity Consultants, Inc. 5 2.72% $13,930
ARK-LA-TEX FINANCIAL SERVICES, LLC. 5 2.80% $7,612
FINANCE OF AMERICA MORTGAGE LLC 5 2.43% $7,394
CMG MORTGAGE, INC. 5 2.48% $10,441
Plains Commerce Bank 5 2.65% $12,810
ACCELERATE MORTGAGE, LLC 5 2.65% $10,107
Loan Simple, Inc. 5 2.55% $4,175
U.S. Bank 4 2.69% $3,591
First Western Trust Bank 4 2.75% $9,247
UNION HOME MORTGAGE CORP. 4 2.88% $13,906
MORTGAGE SOLUTIONS OF COLORADO, LLC 4 2.78% $10,906
The Home Loan Expert LLC 4 2.47% $6,408
Meridian Bank Corporation 4 2.25% $2,663
Sunflower Bank 4 2.69% $5,994
HOMESIDE FINANCIAL, LLC 4 2.50% $8,181
Mid-Continent Funding, Inc. 4 2.78% $7,566
AMERICAN PACIFIC MORTGAGE CORPORATION 4 2.59% $6,151
Financial Funding Solutions, Inc. 4 2.81% $13,319
KBHS HOME LOANS, LLC 4 3.03% $14,720
CHURCHILL MORTGAGE CORPORATION 3 2.88% $12,825
NOVA FINANCIAL & INVESTMENT CORPORATION 3 2.46% $2,795
AMERICAN FINANCIAL NETWORK, INC. 3 3.17% $14,765
Paramount Bank 3 2.58% $23,760
CONTOUR MORTGAGE CORPORATION 3 2.58% $7,918
PLAZA HOME MORTGAGE, INC. 3 2.29% $4,790
PRIMELENDING, A PLAINSCAPITAL COMPANY 3 2.96% $1,993
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 3 2.88% $8,354
SWBC MORTGAGE CORPORATION 3 2.83% $4,088
T2 FINANCIAL LLC 3 2.83% $14,417
VAN DYK MORTGAGE CORPORATION 3 3.04% $17,830
ALL WESTERN MORTGAGE, INC. 3 3.46% $3,214
Commerce Home Mortgage, Inc. 3 2.75% $9,055
MORIA DEVELOPMENT, INC. 3 2.79% $14,248
MUTUAL OF OMAHA MORTGAGE, INC. 3 2.38% $5,826
NBKC BANK 3 2.50% $1,612
First Savings Bank 2 2.25% $1,699
MANN FINANCIAL INC. 2 2.63% $10,746
First Midwest Bank 2 2.38% $2,324
Armed Forces Bank 2 2.38% $8,875
EVERETT FINANCIAL, INC. 2 2.94% $2,801
PENTAGON FEDERAL CREDIT UNION 2 2.50% $8,492
Wyndham Capital Mortgage, Inc. 2 2.31% $863
Equity Prime Mortgage LLC 2 3.00% $5,782
MOVEMENT MORTGAGE, LLC 2 3.06% $962
TJC Mortgage, Inc. 2 2.25% $6,816
PARTNERS UNITED FINANCIAL, LLC 2 2.81% $9,589
DRAPER AND KRAMER MORTGAGE CORP. 2 2.44% $8,673
STEARNS LENDING, LLC 2 2.38% $2,427
SOVEREIGN LENDING GROUP INCORPORATED 2 2.38% $2,789
North American Savings Bank, F.S.B. 2 2.25% $6,888
DHA FINANCIAL, LLC 2 2.50% $3,591
Prime Choice Funding Inc. 2 2.38% $2,912
LEADERONE FINANCIAL CORPORATION 2 2.44% $2,145
CITYWIDE HOME LOANS, LLC 2 2.75% $11,135
BAY EQUITY LLC 2 2.69% $4,641
Independent Bank 1 3.25% $2,488
AMCAP MORTGAGE, LTD. 1 3.25% $4,565
AXIA FINANCIAL, LLC 1 2.25% $2,634
Bank of America 1 2.25% $0
Century Mortgage Company DBA Century Lending Company 1 2.88% $15,170
Community First National Bank 1 2.25% $2,524
Credence Funding Corporation 1 2.25% $2,634
CRESCENT MORTGAGE COMPANY 1 2.50% $10,644
DIRECT MORTGAGE LOANS, LLC 1 2.99% $5,975
EMBRACE HOME LOANS, INC. 1 2.25% $3,625
EUSTIS AND AMERICAN MORTGAGE COMPANY 1 2.38% $4,043
FirstBank 1 2.25% $3,870
FIRST CENTENNIAL MORTGAGE CORPORATION 1 2.63% $4,469
FIRST COMMUNITY MORTGAGE, INC. 1 2.50% $3,378
First Federal Bank 1 2.75% $7,597
First Home Bank 1 2.25% $15,448
First Mortgage Solutions, LLC 1 2.25% $16,711
Flanagan State Bank 1 3.13% $12,197
FLAT BRANCH MORTGAGE, INC. 1 2.50% $14,746
Florida Capital Bank 1 2.75% $14,257
Great Western Bank 1 2.25% $1,869
GUARANTY HOME MORTGAGE CORPORATION 1 3.00% $13,825
Home Mortgage Alliance Corp 1 2.63% $3,626
HOMESTAR FINANCIAL CORPORATION 1 3.75% $13,052
Hometown Equity Mortgage, LLC 1 2.75% $3,780
IDEAL HOME LOANS LLC 1 2.25% $1,958
Academy Bank 1 2.75% $12,703
INFINITY MORTGAGE HOLDINGS, LLC 1 3.25% $15,762
Jonah Bank of Wyoming 1 2.25% $1,782
KELLER MORTGAGE, LLC 1 3.75% $5,782
KS StateBank 1 2.75% $10,918
Lakeview Community Capital, LLC 1 2.38% $2,834
LENDUS, LLC 1 2.25% $2,200
LENOX FINANCIAL MORTGAGE CORPORATION 1 2.25% $3,859
OPEN MORTGAGE, LLC 1 2.63% $3,132
Paramount Residential Mortgage Group, Inc. 1 3.25% $3,199
PINNACLE LENDING GROUP, INC. 1 2.25% $13,684
PREMIA MORTGAGE, LLC 1 2.25% $15,703
PROPER RATE, LLC 1 2.25% $928
SECURITYNATIONAL MORTGAGE COMPANY 1 2.50% $16,489
SOUTHWEST STAGE FUNDING, LLC 1 2.88% $2,928
Strong Home Mortgage, LLC 1 2.25% $17,808
SUMMIT FUNDING, INC. 1 2.38% $6,132
The Central Trust Bank 1 2.25% $1,931
THE MORTGAGE COMPANY 1 2.25% $3,566
TOP FLITE FINANCIAL, INC. 1 2.75% $15,116
TOWNE MORTGAGE COMPANY 1 2.75% $2,276
V.I.P. MORTGAGE, INC. 1 2.50% $26,051
Wallick & Volk, Inc. 1 3.25% $7,770
ZILLOW HOME LOANS, LLC 1 2.25% $10,616

The top Greeley VA lender as defined by loan originations is FREEDOM MORTGAGE CORPORATION, with 173 VA loans originated. Their average total fees are $3,754, which is $4,506 lower than the next largest lender, UNITED WHOLESALE MORTGAGE, LLC.

The lowest fee Greeley VA lenders (with over 10 loans originated) are NEWREZ LLC ($3,098), InterContinental Capital Group, Inc ($3,299), LAKEVIEW LOAN SERVICING, LLC ($3,588), FREEDOM MORTGAGE CORPORATION ($3,754) and First National Bank of Omaha ($3,762).

The lowest rate Greeley VA lenders (with over 10 loans originated) are CLEARPATH LENDING (2.23%), VILLAGE CAPITAL MORTGAGE (2.26%), InterContinental Capital Group, Inc (2.29%), PENNYMAC LOAN SERVICES, LLC (2.35%) and FREEDOM MORTGAGE CORPORATION (2.39%).


Market Conditions (Median, Average Prices & Listing Count)

Realtor.com - Greeley (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 $420,193 (7.8%) $491,573 (7.4%) 1.55 840
2018-02-01 $424,544 (4.8%) $502,237 (5.5%) 1.53 819
2018-03-01 $425,000 (3.8%) $501,190 (3.6%) 1.47 832
2018-04-01 $424,400 (-0.1%) $500,661 (0.5%) 1.42 874
2018-05-01 $436,400 (-0.3%) $515,163 (1.2%) 1.46 885
2018-06-01 $435,000 (1.0%) $517,772 (4.4%) 1.45 971
2018-07-01 $421,440 (0.3%) $520,150 (7.8%) 1.41 1,075
2018-08-01 $415,000 (-1.2%) $507,899 (4.5%) 1.39 1,116
2018-09-01 $418,094 (-1.4%) $494,765 (0.0%) 1.40 1,221
2018-10-01 $417,294 (-2.8%) $487,545 (-2.6%) 1.40 1,353
2018-11-01 $419,950 (-0.6%) $488,169 (-2.0%) 1.41 1,339
2018-12-01 $420,000 (0.0%) $489,713 (-1.0%) 1.44 1,219
2019-01-01 $419,450 (-0.2%) $495,321 (0.8%) 1.45 1,149
2019-02-01 $415,450 (-2.1%) $495,317 (-1.4%) 1.39 1,112
2019-03-01 $426,000 (0.2%) $507,505 (1.3%) 1.39 1,150
2019-04-01 $431,000 (1.6%) $515,995 (3.1%) 1.36 1,250
2019-05-01 $432,450 (-0.9%) $512,973 (-0.4%) 1.33 1,289
2019-06-01 $425,000 (-2.3%) $506,122 (-2.3%) 1.31 1,393
2019-07-01 $413,875 (-1.8%) $492,021 (-5.4%) 1.29 1,422
2019-08-01 $405,714 (-2.2%) $486,719 (-4.2%) 1.28 1,443
2019-09-01 $399,950 (-4.3%) $477,936 (-3.4%) 1.27 1,428
2019-10-01 $408,000 (-2.2%) $483,918 (-0.7%) 1.30 1,438
2019-11-01 $415,000 (-1.2%) $494,628 (1.3%) 1.34 1,326
2019-12-01 $418,950 (-0.3%) $505,586 (3.2%) 1.40 1,165
2020-01-01 $432,113 (3.0%) $524,260 (5.8%) 1.44 951
2020-02-01 $449,900 (8.3%) $539,041 (8.8%) 1.45 823
2020-03-01 $461,995 (8.5%) $542,728 (6.9%) 1.44 864
2020-04-01 $437,500 (1.5%) $518,680 (0.5%) 1.36 1,052
2020-05-01 $437,770 (1.2%) $520,042 (1.4%) 1.33 1,183
2020-06-01 $437,300 (2.9%) $523,072 (3.4%) 1.28 1,124
2020-07-01 $443,573 (7.2%) $534,777 (8.7%) 1.27 1,041
2020-08-01 $439,900 (8.4%) $543,041 (11.6%) 1.26 987
2020-09-01 $440,000 (10.0%) $554,495 (16.0%) 1.26 893
2020-10-01 $450,000 (10.3%) $563,009 (16.3%) 1.29 788
2020-11-01 $437,433 (5.4%) $565,152 (14.3%) 1.25 723
2020-12-01 $434,900 (3.8%) $562,577 (11.3%) 1.28 623
2021-01-01 $449,000 (3.9%) $586,132 (11.8%) 1.32 502
2021-02-01 $457,950 (1.8%) $608,749 (12.9%) 1.32 422
2021-03-01 $461,500 (-0.1%) $603,496 (11.2%) 1.29 410
2021-04-01 $470,900 (7.6%) $599,269 (15.5%) 1.27 411
2021-05-01 $470,115 (7.4%) $585,348 (12.6%) 1.24 382
2021-06-01 $485,000 (10.9%) $595,019 (13.8%) 1.26 402
2021-07-01 $486,900 (9.8%) $590,775 (10.5%) 1.26 470
2021-08-01 $500,000 (13.7%) $592,965 (9.2%) 1.31 486
2021-09-01 $495,125 (12.5%) $628,826 (13.4%) 1.30 487
2021-10-01 $489,990 (8.9%) $634,910 (12.8%) 1.29 500
2021-11-01 $484,777 (10.8%) $624,051 (10.4%) 1.28 460
2021-12-01 $459,625 (5.7%) $557,759 (-0.9%) 1.23 810
2022-01-01 $489,900 (9.1%) $669,045 (14.2%) 1.31 305
2022-02-01 $499,950 (9.2%) $723,644 (18.9%) 1.27 293
2022-03-01 $517,500 (12.1%) $698,924 (15.8%) 1.28 335
2022-04-01 $540,000 (14.7%) $705,952 (17.8%) 1.27 359
2022-05-01 $551,739 (17.4%) $723,189 (23.6%) 1.23 507
2022-06-01 $562,500 (16.0%) $706,743 (18.8%) 1.25 708
2022-07-01 $550,000 (13.0%) $693,180 (17.3%) 1.22 947
2022-08-01 $544,500 (8.9%) $696,274 (17.4%) 1.25 1,009
Greeley's median listing price for 2022-08-01 was $544,500, a difference of $44,500 (8.9%) versus the prior year and $-5,500 versus the prior month.

Greeley's median listing price comes in at 125% of the national average.

Greeley's average listing price for 2022-08-01 was $696,274, a difference of $103,309 (17.4%) versus the prior year and $3,094 versus the prior month.

For the 2022-08-01 period, Greeley had 1,009 MLS listings, a difference of 62 listings (7%) versus the prior month and 523 listings (108%) versus the prior year.

Median Listing Time on Market & Square Footage

Realtor.com - Greeley (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Time on Market Median Square Footage
2018-01-01 66 days 3,289 sqft
2018-02-01 53 days 3,260 sqft
2018-03-01 37 days 3,233 sqft
2018-04-01 33 days 3,214 sqft
2018-05-01 32 days 3,272 sqft
2018-06-01 35 days 3,204 sqft
2018-07-01 36 days 3,165 sqft
2018-08-01 36 days 3,065 sqft
2018-09-01 38 days 3,064 sqft
2018-10-01 39 days 3,035 sqft
2018-11-01 46 days 3,065 sqft
2018-12-01 58 days 3,016 sqft
2019-01-01 60 days 2,969 sqft
2019-02-01 41 days 2,926 sqft
2019-03-01 43 days 3,025 sqft
2019-04-01 38 days 3,080 sqft
2019-05-01 41 days 3,094 sqft
2019-06-01 41 days 3,034 sqft
2019-07-01 44 days 2,943 sqft
2019-08-01 44 days 2,896 sqft
2019-09-01 46 days 2,839 sqft
2019-10-01 44 days 2,879 sqft
2019-11-01 47 days 2,913 sqft
2019-12-01 59 days 2,899 sqft
2020-01-01 67 days 3,052 sqft
2020-02-01 45 days 3,120 sqft
2020-03-01 33 days 3,169 sqft
2020-04-01 37 days 2,979 sqft
2020-05-01 43 days 2,935 sqft
2020-06-01 43 days 2,907 sqft
2020-07-01 42 days 2,934 sqft
2020-08-01 42 days 2,910 sqft
2020-09-01 41 days 2,809 sqft
2020-10-01 40 days 2,851 sqft
2020-11-01 47 days 2,735 sqft
2020-12-01 55 days 2,669 sqft
2021-01-01 70 days 2,687 sqft
2021-02-01 41 days 2,750 sqft
2021-03-01 28 days 2,682 sqft
2021-04-01 30 days 2,624 sqft
2021-05-01 30 days 2,664 sqft
2021-06-01 31 days 2,575 sqft
2021-07-01 28 days 2,584 sqft
2021-08-01 31 days 2,578 sqft
2021-09-01 36 days 2,531 sqft
2021-10-01 36 days 2,516 sqft
2021-11-01 37 days 2,513 sqft
2021-12-01 41 days 2,500 sqft
2022-01-01 44 days 2,494 sqft
2022-02-01 36 days 2,512 sqft
2022-03-01 27 days 2,572 sqft
2022-04-01 28 days 2,730 sqft
2022-05-01 22 days 2,829 sqft
2022-06-01 22 days 2,859 sqft
2022-07-01 29 days 2,806 sqft
2022-08-01 36 days 2,728 sqft
Greeley's median listing age (time on market) for 2022-08-01 was 36 days. This is 15% longer than the same period one year ago.

Greeley's median square footage for active listings during the 2022-08-01 period was 2,728 sqft. One year prior, the average listing was 2,578 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.