Homosassa Springs VA Loan Rates, Closing Costs & Stats

HOMOSASSA SPRINGS, FL

  • JUMP TO:
  • Trends
  • Rates vs Fees
  • Top Lenders
  • Markets

    • 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.