Homosassa Springs VA Loan Rates, Closing Costs & Stats

HOMOSASSA SPRINGS, FL

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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.

    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 6.45% for the week of 2025-04-04, compared to the national average (all VA variants) of 6.06% for the same period.

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

    The average rate for the prior week (2025-03-28) was 6.47% and one month ago for the week of 2025-02-28, the average rate was 6.45%.

    The average rate one year ago was 6.86%.

    For refis of the same type during the week of 2025-04-04, the average rate was 6.19%.

    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%).

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Homosassa Springs (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 $224,950 (12.9%) $278,771 (13.1%) 0.83 1,135
    2018-02-01 $229,575 (15.4%) $278,371 (12.2%) 0.83 1,177
    2018-03-01 $230,000 (15.1%) $276,441 (11.2%) 0.81 1,197
    2018-04-01 $229,225 (14.7%) $275,590 (10.4%) 0.78 1,204
    2018-05-01 $228,425 (13.1%) $273,889 (6.8%) 0.76 1,157
    2018-06-01 $225,000 (9.8%) $275,133 (6.6%) 0.75 1,107
    2018-07-01 $224,900 (12.8%) $272,808 (5.8%) 0.75 1,110
    2018-08-01 $223,125 (14.2%) $268,676 (5.0%) 0.75 1,138
    2018-09-01 $224,900 (15.3%) $274,809 (6.8%) 0.76 1,174
    2018-10-01 $224,950 (13.1%) $274,484 (4.8%) 0.76 1,243
    2018-11-01 $224,900 (9.7%) $273,758 (2.9%) 0.76 1,300
    2018-12-01 $219,900 (0.8%) $263,609 (-4.3%) 0.76 1,389
    2019-01-01 $219,900 (-2.2%) $262,622 (-5.8%) 0.76 1,403
    2019-02-01 $213,325 (-7.1%) $268,041 (-3.7%) 0.72 1,433
    2019-03-01 $216,564 (-5.8%) $273,210 (-1.2%) 0.71 1,388
    2019-04-01 $218,175 (-4.8%) $275,116 (-0.2%) 0.69 1,306
    2019-05-01 $217,450 (-4.8%) $271,755 (-0.8%) 0.68 1,234
    2019-06-01 $219,900 (-2.3%) $273,124 (-0.7%) 0.69 1,136
    2019-07-01 $214,950 (-4.4%) $265,140 (-2.8%) 0.67 1,102
    2019-08-01 $212,591 (-4.7%) $267,106 (-0.6%) 0.67 1,068
    2019-09-01 $216,477 (-3.8%) $271,486 (-1.2%) 0.69 1,063
    2019-10-01 $219,068 (-2.6%) $276,606 (0.8%) 0.71 1,059
    2019-11-01 $220,000 (-2.2%) $286,819 (4.8%) 0.72 1,062
    2019-12-01 $219,500 (-0.2%) $287,306 (9.0%) 0.73 1,068
    2020-01-01 $220,000 (0.1%) $288,169 (9.7%) 0.74 1,050
    2020-02-01 $219,950 (3.1%) $284,953 (6.3%) 0.72 1,053
    2020-03-01 $224,900 (3.9%) $293,830 (7.6%) 0.71 992
    2020-04-01 $219,900 (0.8%) $289,314 (5.2%) 0.69 924
    2020-05-01 $224,900 (3.4%) $298,460 (9.8%) 0.68 823
    2020-06-01 $221,013 (0.5%) $295,815 (8.3%) 0.65 697
    2020-07-01 $230,925 (7.4%) $312,487 (17.9%) 0.67 600
    2020-08-01 $229,900 (8.1%) $309,860 (16.0%) 0.66 533
    2020-09-01 $230,975 (6.7%) $320,811 (18.2%) 0.66 492
    2020-10-01 $235,250 (7.4%) $314,721 (13.8%) 0.67 564
    2020-11-01 $234,950 (6.8%) $311,424 (8.6%) 0.69 585
    2020-12-01 $238,750 (8.8%) $329,546 (14.7%) 0.71 572
    2021-01-01 $239,900 (9.1%) $335,770 (16.5%) 0.72 465
    2021-02-01 $248,900 (13.2%) $377,274 (32.4%) 0.72 393
    2021-03-01 $249,475 (10.9%) $390,486 (32.9%) 0.71 297
    2021-04-01 $251,100 (14.2%) $377,127 (30.4%) 0.68 286
    2021-05-01 $249,900 (11.1%) $398,408 (33.5%) 0.66 268
    2021-06-01 $264,250 (19.6%) $401,526 (35.7%) 0.70 296
    2021-07-01 $275,000 (19.1%) $408,716 (30.8%) 0.73 331
    2021-08-01 $274,700 (19.5%) $411,121 (32.7%) 0.73 381
    2021-09-01 $267,350 (15.8%) $408,761 (27.4%) 0.71 391
    2021-10-01 $278,375 (18.3%) $418,069 (32.8%) 0.74 418
    2021-11-01 $296,773 (26.3%) $436,646 (40.2%) 0.79 413
    2021-12-01 $299,950 (25.6%) $445,120 (35.1%) 0.81 414
    2022-01-01 $309,450 (29.0%) $462,183 (37.7%) 0.84 353
    2022-02-01 $309,975 (24.5%) $467,543 (23.9%) 0.81 321
    2022-03-01 $313,500 (25.7%) $462,616 (18.5%) 0.78 294
    2022-04-01 $317,350 (26.4%) $433,865 (15.0%) 0.76 317
    2022-05-01 $313,750 (25.6%) $424,159 (6.5%) 0.72 403
    2022-06-01 $339,125 (28.3%) $456,400 (13.7%) 0.76 491
    2022-07-01 $335,000 (21.8%) $435,160 (6.5%) 0.75 617
    2022-08-01 $329,125 (19.8%) $408,628 (-0.6%) 0.76 657
    2022-09-01 $319,325 (19.4%) $399,548 (-2.3%) 0.75 686
    2022-10-01 $329,950 (18.5%) $409,196 (-2.1%) 0.78 741
    2022-11-01 $327,250 (10.3%) $400,127 (-8.4%) 0.79 887
    2022-12-01 $319,925 (6.7%) $390,272 (-12.3%) 0.79 938
    2023-01-01 $321,313 (3.8%) $389,814 (-15.7%) 0.80 897
    2023-02-01 $329,988 (6.5%) $400,165 (-14.4%) 0.80 861
    2023-03-01 $332,475 (6.1%) $399,914 (-13.6%) 0.78 864
    2023-04-01 $325,000 (2.4%) $395,965 (-8.7%) 0.76 832
    2023-05-01 $324,950 (3.6%) $400,316 (-5.6%) 0.74 813
    2023-06-01 $327,450 (-3.4%) $414,711 (-9.1%) 0.74 800
    2023-07-01 $329,950 (-1.5%) $409,625 (-5.9%) 0.75 800
    2023-08-01 $340,731 (3.5%) $414,244 (1.4%) 0.78 823
    2023-09-01 $340,000 (6.5%) $414,749 (3.8%) 0.79 829
    2023-10-01 $345,425 (4.7%) $415,283 (1.5%) 0.81 900
    2023-11-01 $339,900 (3.9%) $409,366 (2.3%) 0.81 1,048
    2023-12-01 $339,000 (6.0%) $409,102 (4.8%) 0.83 1,109
    2024-01-01 $329,900 (2.7%) $400,867 (2.8%) 0.81 1,111
    2024-02-01 $330,075 (0.0%) $403,422 (0.8%) 0.79 1,170
    2024-03-01 $329,900 (-0.8%) $419,281 (4.8%) 0.78 1,237
    2024-04-01 $332,450 (2.3%) $406,349 (2.6%) 0.77 1,242
    2024-05-01 $332,450 (2.3%) $409,908 (2.4%) 0.76 1,242
    2024-06-01 $324,925 (-0.8%) $411,923 (-0.7%) 0.74 1,322
    2024-07-01 $325,000 (-1.5%) $416,953 (1.8%) 0.74 1,339
    2024-08-01 $325,000 (-4.6%) $417,169 (0.7%) 0.76 1,405
    2024-09-01 $329,900 (-3.0%) $414,754 (0.0%) 0.78 1,376
    2024-10-01 $324,900 (-5.9%) $402,810 (-3.0%) 0.76 1,336
    2024-11-01 $320,000 (-5.9%) $397,317 (-2.9%) 0.77 1,414
    2024-12-01 $320,995 (-5.3%) $396,236 (-3.2%) 0.80 1,485
    2025-01-01 $325,000 (-1.5%) $404,102 (0.8%) 0.81 1,481
    2025-02-01 $322,400 (-2.3%) $399,968 (-0.9%) 0.78 1,604
    2025-03-01 $319,900 (-3.0%) $394,062 (-6.0%) 0.00 1,672
    Homosassa Springs's median listing price for 2025-03-01 was $319,900, a difference of $-10,000 (-3.0%) versus the prior year and $-2,500 versus the prior month.

    Homosassa Springs's median listing price comes in at 0% of the national average.

    Homosassa Springs's average listing price for 2025-03-01 was $394,062, a difference of $-25,219 (-6.0%) versus the prior year and $-5,906 versus the prior month.

    For the 2025-03-01 period, Homosassa Springs had 1,672 MLS listings, a difference of 68 listings (4%) versus the prior month and 435 listings (35%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Homosassa Springs (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 75 days 1,869 sqft
    2018-02-01 75 days 1,875 sqft
    2018-03-01 66 days 1,884 sqft
    2018-04-01 66 days 1,857 sqft
    2018-05-01 68 days 1,848 sqft
    2018-06-01 68 days 1,846 sqft
    2018-07-01 72 days 1,831 sqft
    2018-08-01 73 days 1,831 sqft
    2018-09-01 74 days 1,830 sqft
    2018-10-01 70 days 1,838 sqft
    2018-11-01 69 days 1,841 sqft
    2018-12-01 72 days 1,815 sqft
    2019-01-01 79 days 1,822 sqft
    2019-02-01 76 days 1,814 sqft
    2019-03-01 74 days 1,808 sqft
    2019-04-01 74 days 1,802 sqft
    2019-05-01 75 days 1,795 sqft
    2019-06-01 79 days 1,808 sqft
    2019-07-01 79 days 1,789 sqft
    2019-08-01 77 days 1,772 sqft
    2019-09-01 74 days 1,773 sqft
    2019-10-01 72 days 1,773 sqft
    2019-11-01 68 days 1,817 sqft
    2019-12-01 72 days 1,812 sqft
    2020-01-01 75 days 1,815 sqft
    2020-02-01 75 days 1,819 sqft
    2020-03-01 70 days 1,829 sqft
    2020-04-01 77 days 1,819 sqft
    2020-05-01 89 days 1,819 sqft
    2020-06-01 90 days 1,812 sqft
    2020-07-01 66 days 1,823 sqft
    2020-08-01 65 days 1,777 sqft
    2020-09-01 61 days 1,746 sqft
    2020-10-01 49 days 1,762 sqft
    2020-11-01 50 days 1,727 sqft
    2020-12-01 53 days 1,734 sqft
    2021-01-01 61 days 1,726 sqft
    2021-02-01 49 days 1,734 sqft
    2021-03-01 42 days 1,709 sqft
    2021-04-01 46 days 1,690 sqft
    2021-05-01 40 days 1,656 sqft
    2021-06-01 34 days 1,670 sqft
    2021-07-01 37 days 1,706 sqft
    2021-08-01 37 days 1,705 sqft
    2021-09-01 41 days 1,706 sqft
    2021-10-01 50 days 1,673 sqft
    2021-11-01 46 days 1,762 sqft
    2021-12-01 47 days 1,732 sqft
    2022-01-01 47 days 1,725 sqft
    2022-02-01 37 days 1,713 sqft
    2022-03-01 36 days 1,698 sqft
    2022-04-01 32 days 1,681 sqft
    2022-05-01 30 days 1,679 sqft
    2022-06-01 30 days 1,743 sqft
    2022-07-01 35 days 1,739 sqft
    2022-08-01 44 days 1,714 sqft
    2022-09-01 48 days 1,706 sqft
    2022-10-01 52 days 1,726 sqft
    2022-11-01 50 days 1,719 sqft
    2022-12-01 60 days 1,690 sqft
    2023-01-01 72 days 1,700 sqft
    2023-02-01 70 days 1,712 sqft
    2023-03-01 55 days 1,714 sqft
    2023-04-01 54 days 1,690 sqft
    2023-05-01 54 days 1,693 sqft
    2023-06-01 52 days 1,722 sqft
    2023-07-01 56 days 1,720 sqft
    2023-08-01 57 days 1,732 sqft
    2023-09-01 58 days 1,726 sqft
    2023-10-01 58 days 1,740 sqft
    2023-11-01 53 days 1,706 sqft
    2023-12-01 60 days 1,699 sqft
    2024-01-01 70 days 1,698 sqft
    2024-02-01 63 days 1,705 sqft
    2024-03-01 57 days 1,692 sqft
    2024-04-01 64 days 1,692 sqft
    2024-05-01 66 days 1,687 sqft
    2024-06-01 64 days 1,672 sqft
    2024-07-01 66 days 1,672 sqft
    2024-08-01 72 days 1,676 sqft
    2024-09-01 73 days 1,675 sqft
    2024-10-01 79 days 1,656 sqft
    2024-11-01 79 days 1,654 sqft
    2024-12-01 75 days 1,681 sqft
    2025-01-01 75 days 1,687 sqft
    2025-02-01 73 days 1,686 sqft
    2025-03-01 0 days 1,681 sqft
    Homosassa Springs's median listing age (time on market) for 2025-03-01 was 0 days. This is -100% shorter than the same period one year ago.

    Homosassa Springs's median square footage for active listings during the 2025-03-01 period was 1,681 sqft. One year prior, the average listing was 1,692 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.