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.