Heber VA Loan Rates, Closing Costs & Stats

Heber, UT

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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.

    Heber's 30 lenders originated 58 VA loans during 2024. The total origination value was $54,750,000, with an average VA loan value of $943,966.

    Heber VA Loans, 30 Year Fixed Rates

    30 Year VA mortgages in Heber averaged 0.56% for the week of 2025-06-20, compared to the national average (all VA variants) of 0% for the same period.

    Heber's average VA mortgage closing costs are $10,304.

    The average rate for the prior week (2025-06-13) was 6.71% and one month ago for the week of 2025-05-16, the average rate was 6.57%.

    The average rate one year ago was 6.57%.

    For refis of the same type during the week of 2025-06-20, the average rate was 0.75%.

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

    Heber 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 Heber level.

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    UNITED WHOLESALE MORTGAGE, LLC 6 5.83% $11,232
    CROSSCOUNTRY MORTGAGE, LLC 4 6.01% $7,466
    PENNYMAC LOAN SERVICES, LLC 3 5.46% $28,692
    USAA Federal Savings Bank 3 5.63% $16,616
    Mortgage Research Center, LLC 3 5.58% $39,472
    First Federal Bank 2 5.56% $3,884
    FREEDOM MORTGAGE CORPORATION 2 5.75% $13,010
    Armed Forces Bank 2 5.75% $8,461
    BROKER SOLUTIONS, INC. 2 6.00% $99,058
    Century Mortgage Company DBA Century Lending Company 2 5.69% $13,553
    CMG MORTGAGE, INC. 2 5.56% $3,460
    EAGLE HOME MORTGAGE, LLC 2 4.25% $7,144
    INTERCAP LENDING INC. 2 6.06% $4,540
    Mr. Cooper ( Nationstar Mortgage ) 2 6.19% $21,704
    JPMorgan Chase Bank 1 5.63% $5,087
    Glacier Bank 1 5.63% $12,867
    MORTGAGE SOLUTIONS OF COLORADO, LLC 1 5.25% $3,159
    VILLAGE CAPITAL MORTGAGE 1 5.88% $10,186
    MUTUAL OF OMAHA MORTGAGE, INC. 1 6.25% $19,217
    MY MOVE MORTGAGE, LLC 1 5.49% $22,482
    NEWREZ LLC 1 5.63% $19,215
    Paramount Residential Mortgage Group, Inc. 1 6.25% $22,973
    FIRST COLONY MORTGAGE CORPORATION 1 6.63% $0
    PHH Mortgage Corporation 1 5.99% $2,962
    PREMIA MORTGAGE, LLC 1 5.99% $3,858
    QUICKEN LOANS, LLC 1 6.49% $4,518
    RANLIFE, INC. 1 6.10% $14,385
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 1 6.63% $29,133
    GUILD MORTGAGE COMPANY 1 4.75% $13,796
    Capital Bank 1 5.75% $1,670

    The top Heber VA lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with 6 VA loans originated. Their average total fees are $11,232, which is $3,766 higher than the next largest lender, CROSSCOUNTRY MORTGAGE, LLC.

    The lowest fee Heber VA lenders (with over 10 loans originated) are .

    The lowest rate Heber VA lenders (with over 10 loans originated) are .

    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.