Homosassa Springs VA Loan Rates, Closing Costs & Stats

HOMOSASSA SPRINGS, FL

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.

Homosassa Springs's 103 lenders originated 651 VA loans during 2024. The total origination value was $197,125,000, with an average VA loan value of $302,803.

Homosassa Springs VA Loans, 30 Year Fixed Rates

30 Year VA mortgages in Homosassa Springs averaged 0.39% for the week of 2025-07-04, compared to the national average (all VA variants) of 0% for the same period.

Homosassa Springs's average VA mortgage closing costs are $6,131.

The average rate for the prior week (2025-06-27) was 6.62% and one month ago for the week of 2025-05-30, the average rate was 6.65%.

The average rate one year ago was 6.66%.

For refis of the same type during the week of 2025-07-04, the average rate was -0.17%.

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

Homosassa Springs 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 Homosassa Springs level.

Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
Mortgage Research Center, LLC 112 6.42% $6,721
UNITED WHOLESALE MORTGAGE, LLC 81 6.08% $7,301
QUICKEN LOANS, LLC 47 6.01% $10,624
FREEDOM MORTGAGE CORPORATION 32 6.17% $8,772
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 21 6.60% $6,612
USAA Federal Savings Bank 16 6.52% $7,600
INSPIRE HOME LOANS INC. 16 5.05% $5,026
VILLAGE CAPITAL MORTGAGE 16 5.82% $6,643
EVERETT FINANCIAL, INC. 14 6.83% $7,105
CROSSCOUNTRY MORTGAGE, LLC 13 5.93% $10,181
NAVY FEDERAL CREDIT UNION 11 6.14% $6,577
PENNYMAC LOAN SERVICES, LLC 10 5.77% $8,684
NEW DAY FINANCIAL, LLC 9 7.43% $11,855
LOANDEPOT.COM, LLC 9 6.05% $12,793
UNION HOME MORTGAGE CORP. 9 6.31% $7,909
Barrington Bank & Trust Company, N.A. 8 6.53% $9,252
Equity Prime Mortgage LLC 8 6.33% $6,448
MOVEMENT MORTGAGE, LLC 6 6.54% $8,930
NEWREZ LLC 6 6.31% $4,972
CMG MORTGAGE, INC. 5 6.23% $16,362
FBC MORTGAGE, LLC 5 5.05% $6,065
ARK-LA-TEX FINANCIAL SERVICES, LLC. 4 5.69% $8,038
BROKER SOLUTIONS, INC. 4 6.50% $15,011
CARDINAL FINANCIAL 4 6.38% $16,538
Mid-Continent Funding, Inc. 4 6.38% $10,633
Carrington Mortgage Services, LLC 4 6.28% $4,426
METROPLEX MORTGAGE SERVICES, INC. 4 6.69% $5,102
Truist 4 6.31% $7,693
First Federal Bank 4 5.72% $9,000
Prosperity Home Mortgage, LLC 3 6.75% $4,908
EMBRACE HOME LOANS, INC. 3 5.08% $7,756
DHI MORTGAGE COMPANY, LTD. 3 4.71% $4,806
SUN WEST MORTGAGE COMPANY, INC. 3 5.48% $3,701
AFFORDABLE MORTGAGE ADVISORS, LLC. 3 6.00% $7,763
Century Mortgage Company DBA Century Lending Company 3 5.58% $2,906
OPEN MORTGAGE, LLC 3 6.54% $10,788
Paramount Residential Mortgage Group, Inc. 3 6.79% $8,792
Mr. Cooper ( Nationstar Mortgage ) 3 6.25% $4,221
PLANET HOME LENDING, LLC 3 5.91% $8,025
LAKEVIEW LOAN SERVICING, LLC 2 5.94% $5,705
Alcova Mortgage LLC 2 5.94% $4,736
ALLIED MORTGAGE GROUP, INC. 2 6.00% $5,336
AMERICAN FINANCIAL NETWORK, INC. 2 6.69% $6,301
AMERICAN FINANCIAL RESOURCES, INC. 2 6.63% $4,141
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 2 6.19% $7,153
Ameris Bank 2 6.19% $5,633
CANOPY MORTGAGE, LLC 2 5.87% $23,967
CLEARPATH LENDING 2 5.69% $12,071
FIRST COMMUNITY MORTGAGE, INC. 2 6.69% $11,245
GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION 2 6.81% $9,110
GUARANTEED RATE, INC. 2 6.88% $1,382
GUILD MORTGAGE COMPANY 2 5.75% $13,501
HOMEBRIDGE FINANCIAL SERVICES, INC. 2 6.55% $6,603
Ixonia Bank 2 6.81% $5,785
Lakeview Community Capital, LLC 2 6.00% $7,368
LOANPAL, LLC 2 5.62% $11,915
MUTUAL OF OMAHA MORTGAGE, INC. 2 6.94% $14,215
Plains Commerce Bank 2 6.63% $6,772
South State Bank 2 6.38% $7,984
SUCCESS MORTGAGE PARTNERS, INC. 2 7.31% $12,726
The Federal Savings Bank 2 6.13% $12,434
MORTGAGE SOLUTIONS OF COLORADO, LLC 1 7.25% $825
JPMorgan Chase Bank 1 6.75% $500
JMAC LENDING, INC. 1 6.25% $3,499
CALCON MUTUAL MORTGAGE LLC 1 7.99% $11,083
Nations Lending Corporation 1 6.75% $8,044
HOMESIDE FINANCIAL, LLC 1 5.75% $5,744
NBKC BANK 1 6.63% $4,196
NETWORK CAPITAL FUNDING CORPORATION 1 6.25% $29,847
HALLMARK HOME MORTGAGE, LLC 1 6.75% $4,297
GUARANTEED RATE AFFINITY, LLC 1 6.25% $7,547
GARDNER FINANCIAL SERVICES, LTD. 1 6.75% $9,855
Flagstar Bank, FSB 1 6.25% $7,623
FIRST COLONY MORTGAGE CORPORATION 1 6.25% $4,503
PENTAGON FEDERAL CREDIT UNION 1 6.13% $5,777
PHH Mortgage Corporation 1 4.99% $4,301
American Mortgage Bank, LLC 1 5.75% $3,607
ENVOY MORTGAGE, LTD 1 6.25% $3,870
PRIMARY RESIDENTIAL MORTGAGE, INC. 1 6.88% $8,304
EMM LOANS LLC 1 6.25% $5,602
DYBN FINANCIAL CORP. 1 6.63% $11,143
RELIANCE FIRST CAPITAL, LLC 1 6.00% $9,791
ROYAL UNITED MORTGAGE LLC 1 7.00% $11,278
SIRVA MORTGAGE, INC. 1 7.13% $2,885
SOUTHEAST MORTGAGE OF GEORGIA, INC. 1 6.63% $31,004
SOUTHPOINT FINANCIAL SERVICES, INC. 1 6.75% $2,955
U.S. Bank 1 6.25% $8,764
Stride Bank 1 6.75% $10,127
AMERICAN BANCSHARES MORTGAGE 1 5.50% $9,303
Credence Funding Corporation 1 5.63% $4,273
ZILLOW HOME LOANS, LLC 1 7.13% $161
The Loan Store, Inc. 1 5.75% $12,508
THE MORTGAGE FIRM, INC. 1 6.00% $5,816
The Union Bank Company 1 6.25% $5,921
TJC Mortgage, Inc. 1 6.00% $11,624
TOP FLITE FINANCIAL, INC. 1 5.75% $9,875
Citizens Bank 1 5.88% $3,298
CHURCHILL MORTGAGE CORPORATION 1 6.75% $8,434
Magnolia Bank 1 5.25% $21,556
LEADERONE FINANCIAL CORPORATION 1 5.75% $5,247
MJW Financial LLC 1 5.75% $7,799
MORTGAGE FINANCIAL GROUP, INC. 1 6.63% $9,026
ABSOLUTE HOME MORTGAGE CORPORATION 1 5.75% $7,780

The top Homosassa Springs VA lender as defined by loan originations is Mortgage Research Center, LLC, with 112 VA loans originated. Their average total fees are $6,721, which is $580 lower than the next largest lender, UNITED WHOLESALE MORTGAGE, LLC.

The lowest fee Homosassa Springs VA lenders (with over 10 loans originated) are INSPIRE HOME LOANS INC. ($5,026), NAVY FEDERAL CREDIT UNION ($6,577), FAIRWAY INDEPENDENT MORTGAGE CORPORATION ($6,612), VILLAGE CAPITAL MORTGAGE ($6,643) and Mortgage Research Center, LLC ($6,721).

The lowest rate Homosassa Springs VA lenders (with over 10 loans originated) are INSPIRE HOME LOANS INC. (5.05%), PENNYMAC LOAN SERVICES, LLC (5.77%), VILLAGE CAPITAL MORTGAGE (5.82%), CROSSCOUNTRY MORTGAGE, LLC (5.93%) and QUICKEN LOANS, LLC (6.01%).

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.