Jefferson VA Loan Rates, Closing Costs & Stats

Jefferson, GA

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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.

    Jefferson's 67 lenders originated 246 VA loans during 2024. The total origination value was $104,920,000, with an average VA loan value of $426,504.

    Jefferson VA Loans, 30 Year Fixed Rates

    30 Year VA mortgages in Jefferson averaged -0.01% for the week of 2025-07-04, compared to the national average (all VA variants) of 0% for the same period.

    Jefferson's average VA mortgage closing costs are $6,848.

    The average rate for the prior week (2025-06-27) was 6.72% and one month ago for the week of 2025-05-30, the average rate was 6.85%.

    The average rate one year ago was 6.86%.

    For refis of the same type during the week of 2025-07-04, the average rate was -0.04%.

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

    Jefferson 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 Jefferson level.

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    UNITED WHOLESALE MORTGAGE, LLC 27 5.95% $9,627
    Mortgage Research Center, LLC 26 6.30% $6,825
    QUICKEN LOANS, LLC 18 6.32% $9,818
    NAVY FEDERAL CREDIT UNION 10 5.88% $5,755
    FREEDOM MORTGAGE CORPORATION 8 6.41% $11,337
    PENNYMAC LOAN SERVICES, LLC 7 5.73% $6,293
    VICTORY MORTGAGE, L.L.C. 7 6.18% $6,225
    NEWREZ LLC 6 6.00% $11,910
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 6 6.48% $5,795
    LOANDEPOT.COM, LLC 5 5.69% $11,547
    MOVEMENT MORTGAGE, LLC 5 6.33% $8,694
    VANDERBILT MORTGAGE AND FINANCE, INC. 5 5.12% $3,223
    DHI MORTGAGE COMPANY, LTD. 5 5.60% $6,077
    HOMEOWNERS FINANCIAL GROUP USA, LLC 4 6.31% $2,289
    USAA Federal Savings Bank 4 6.31% $11,573
    VILLAGE CAPITAL MORTGAGE 4 5.78% $8,934
    BANKSOUTH MORTGAGE COMPANY, LLC 4 6.22% $10,114
    SOUTHEAST MORTGAGE OF GEORGIA, INC. 4 6.06% $7,440
    Regions Bank 4 6.06% $11,845
    PLANET HOME LENDING, LLC 4 5.90% $6,361
    GUARANTEED RATE, INC. 4 6.08% $6,335
    The Federal Savings Bank 3 7.00% $14,746
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 3 6.00% $13,524
    NVR Mortgage Finance, Inc. 3 5.42% $5,546
    ACOPIA, LLC 3 6.46% $1,938
    NEW DAY FINANCIAL, LLC 2 7.31% $22,708
    CROSSCOUNTRY MORTGAGE, LLC 2 6.12% $9,001
    AMERICAN PACIFIC MORTGAGE CORPORATION 2 5.88% $21,170
    Prosperity Home Mortgage, LLC 2 6.18% $11,430
    MORTGAGE SOLUTIONS OF COLORADO, LLC 2 7.50% $5,018
    Nations Lending Corporation 2 6.44% $17,419
    Ameris Bank 2 6.50% $4,630
    U.S. Bank 2 6.12% $7,154
    LAKEVIEW LOAN SERVICING, LLC 2 5.94% $4,483
    BROKER SOLUTIONS, INC. 2 5.31% $7,284
    First Federal Bank 2 6.00% $6,266
    Equity Prime Mortgage LLC 1 6.50% $4,284
    MUTUAL OF OMAHA MORTGAGE, INC. 1 6.63% $23,706
    ENVOY MORTGAGE, LTD 1 7.13% $18,954
    Paramount Residential Mortgage Group, Inc. 1 6.63% $6,837
    Cornerstone First Mortgage, Inc 1 6.75% $16,931
    CMG MORTGAGE, INC. 1 5.50% $10,090
    PLAZA HOME MORTGAGE, INC. 1 6.50% $19,822
    PREMIER MORTGAGE RESOURCES, L.L.C. 1 5.75% $9,296
    Presidential Bank, FSB 1 6.88% $16,507
    CITY FIRST MORTGAGE SERVICES, L.L.C. 1 5.75% $26,925
    CANOPY MORTGAGE, LLC 1 6.25% $14,221
    SeaTrust Mortgage Company 1 6.50% $3,787
    South State Bank 1 6.50% $2,876
    SUN WEST MORTGAGE COMPANY, INC. 1 5.25% $11,870
    AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 1 5.75% $11,013
    TOWNE MORTGAGE COMPANY 1 7.00% $16,893
    UNION HOME MORTGAGE CORP. 1 6.38% $13,546
    GMFS LLC 1 6.63% $4,335
    AmeriHome Mortgage Company, LLC 1 5.88% $17,951
    First Option Mortgage, LLC 1 6.13% $22,040
    Barrington Bank & Trust Company, N.A. 1 6.75% $6,099
    GUARANTEED RATE AFFINITY, LLC 1 6.25% $8,520
    FIRST COMMUNITY MORTGAGE, INC. 1 6.88% $17,159
    GUILD MORTGAGE COMPANY 1 7.13% $3,156
    HOMEBRIDGE FINANCIAL SERVICES, INC. 1 6.75% $1,216
    FIRST COLONY MORTGAGE CORPORATION 1 5.50% $18,906
    HOMESIDE FINANCIAL, LLC 1 7.13% $5,122
    FBC MORTGAGE, LLC 1 4.99% $12,157
    LOANPAL, LLC 1 4.99% $6,593
    MILEND, INC. 1 6.50% $25,146
    EVERETT FINANCIAL, INC. 1 7.63% $11,793

    The top Jefferson VA lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with 27 VA loans originated. Their average total fees are $9,627, which is $2,802 higher than the next largest lender, Mortgage Research Center, LLC.

    The lowest fee Jefferson VA lenders (with over 10 loans originated) are NAVY FEDERAL CREDIT UNION ($5,755), Mortgage Research Center, LLC ($6,825), UNITED WHOLESALE MORTGAGE, LLC ($9,627), QUICKEN LOANS, LLC ($9,818) and .

    The lowest rate Jefferson VA lenders (with over 10 loans originated) are NAVY FEDERAL CREDIT UNION (5.88%), UNITED WHOLESALE MORTGAGE, LLC (5.95%), Mortgage Research Center, LLC (6.30%), QUICKEN LOANS, LLC (6.32%) and .

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Jefferson (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 $270,785 (16.4%) $317,556 (16.4%) 0.00 526
    2018-02-01 $266,750 (11.8%) $314,048 (11.1%) 0.00 536
    2018-03-01 $273,420 (11.4%) $319,685 (11.5%) 0.00 474
    2018-04-01 $289,181 (16.2%) $333,786 (15.4%) 0.00 451
    2018-05-01 $294,708 (17.9%) $342,743 (17.5%) 0.00 426
    2018-06-01 $296,475 (16.1%) $350,754 (17.9%) 0.00 426
    2018-07-01 $285,098 (12.1%) $343,143 (16.6%) 0.00 466
    2018-08-01 $280,911 (10.2%) $336,826 (12.3%) 0.00 482
    2018-09-01 $282,763 (8.3%) $335,193 (11.9%) 0.00 491
    2018-10-01 $276,647 (5.3%) $331,082 (9.6%) 0.00 608
    2018-11-01 $276,072 (5.2%) $328,461 (7.6%) 0.00 607
    2018-12-01 $275,699 (4.4%) $329,822 (6.2%) 0.00 587
    2019-01-01 $279,546 (3.2%) $331,531 (4.4%) 0.00 541
    2019-02-01 $288,850 (8.3%) $343,764 (9.5%) 0.00 532
    2019-03-01 $282,074 (3.2%) $329,987 (3.2%) 0.00 597
    2019-04-01 $274,497 (-5.1%) $309,920 (-7.2%) 0.00 669
    2019-05-01 $274,087 (-7.0%) $306,956 (-10.4%) 0.00 621
    2019-06-01 $266,126 (-10.2%) $306,899 (-12.5%) 0.00 630
    2019-07-01 $268,118 (-6.0%) $325,781 (-5.1%) 0.00 625
    2019-08-01 $266,655 (-5.1%) $317,363 (-5.8%) 0.00 636
    2019-09-01 $265,755 (-6.0%) $306,291 (-8.6%) 0.00 618
    2019-10-01 $272,128 (-1.6%) $317,590 (-4.1%) 0.00 548
    2019-11-01 $279,913 (1.4%) $332,572 (1.3%) 0.00 459
    2019-12-01 $284,173 (3.1%) $326,651 (-1.0%) 0.00 428
    2020-01-01 $284,900 (1.9%) $324,528 (-2.1%) 0.00 405
    2020-02-01 $285,000 (-1.3%) $331,736 (-3.5%) 0.00 402
    2020-03-01 $283,721 (0.6%) $330,388 (0.1%) 0.00 379
    2020-04-01 $285,193 (3.9%) $329,074 (6.2%) 0.00 411
    2020-05-01 $289,995 (5.8%) $338,299 (10.2%) 0.00 407
    2020-06-01 $300,051 (12.8%) $350,693 (14.3%) 0.00 367
    2020-07-01 $300,867 (12.2%) $355,404 (9.1%) 0.00 356
    2020-08-01 $305,509 (14.6%) $355,401 (12.0%) 0.00 340
    2020-09-01 $313,150 (17.8%) $361,308 (18.0%) 0.00 297
    2020-10-01 $314,900 (15.7%) $358,278 (12.8%) 0.00 274
    2020-11-01 $310,596 (11.0%) $368,331 (10.8%) 0.00 252
    2020-12-01 $300,876 (5.9%) $374,709 (14.7%) 0.00 241
    2021-01-01 $299,945 (5.3%) $376,285 (16.0%) 0.00 209
    2021-02-01 $314,038 (10.2%) $400,336 (20.7%) 0.00 170
    2021-03-01 $318,578 (12.3%) $415,260 (25.7%) 0.00 139
    2021-04-01 $332,500 (16.6%) $422,027 (28.3%) 0.00 132
    2021-05-01 $349,950 (20.7%) $435,198 (28.6%) 0.00 129
    2021-06-01 $372,475 (24.1%) $452,117 (28.9%) 0.00 154
    2021-07-01 $379,950 (26.3%) $470,921 (32.5%) 0.00 168
    2021-08-01 $379,450 (24.2%) $461,446 (29.8%) 0.00 203
    2021-09-01 $403,689 (28.9%) $478,009 (32.3%) 0.00 233
    2021-10-01 $409,000 (29.9%) $480,720 (34.2%) 0.00 242
    2021-11-01 $422,995 (36.2%) $484,125 (31.4%) 0.00 235
    2021-12-01 $445,174 (48.0%) $498,429 (33.0%) 0.00 225
    2022-01-01 $474,429 (58.2%) $530,358 (41.0%) 0.00 163
    2022-02-01 $458,339 (46.0%) $532,509 (33.0%) 0.00 151
    2022-03-01 $468,768 (47.1%) $544,515 (31.1%) 0.00 151
    2022-04-01 $475,000 (42.9%) $556,522 (31.9%) 0.00 165
    2022-05-01 $487,495 (39.3%) $567,396 (30.4%) 0.00 211
    2022-06-01 $478,554 (28.5%) $561,147 (24.1%) 0.00 262
    2022-07-01 $472,324 (24.3%) $556,085 (18.1%) 0.00 349
    2022-08-01 $471,943 (24.4%) $552,629 (19.8%) 0.00 387
    2022-09-01 $472,664 (17.1%) $535,877 (12.1%) 0.00 424
    2022-10-01 $450,000 (10.0%) $515,922 (7.3%) 0.00 465
    2022-11-01 $439,704 (4.0%) $519,610 (7.3%) 0.00 455
    2022-12-01 $427,420 (-4.0%) $521,568 (4.6%) 0.00 434
    2023-01-01 $432,107 (-8.9%) $525,217 (-1.0%) 0.00 386
    2023-02-01 $439,464 (-4.1%) $522,534 (-1.9%) 0.00 362
    2023-03-01 $445,450 (-5.0%) $527,291 (-3.2%) 0.00 351
    2023-04-01 $439,900 (-7.4%) $521,802 (-6.2%) 0.00 350
    2023-05-01 $445,400 (-8.6%) $526,389 (-7.2%) 0.00 340
    2023-06-01 $449,087 (-6.2%) $505,831 (-9.9%) 0.00 349
    2023-07-01 $449,900 (-4.8%) $512,118 (-7.9%) 0.00 354
    2023-08-01 $446,678 (-5.4%) $504,342 (-8.7%) 0.00 362
    2023-09-01 $446,450 (-5.6%) $494,977 (-7.6%) 0.00 370
    2023-10-01 $440,023 (-2.2%) $499,201 (-3.2%) 0.00 396
    2023-11-01 $444,877 (1.2%) $510,934 (-1.7%) 0.00 407
    2023-12-01 $442,000 (3.4%) $517,035 (-0.9%) 0.00 401
    2024-01-01 $445,009 (3.0%) $525,343 (0.0%) 0.00 377
    2024-02-01 $441,820 (0.5%) $527,993 (1.0%) 0.00 385
    2024-03-01 $440,000 (-1.2%) $532,702 (1.0%) 0.00 398
    2024-04-01 $445,120 (1.2%) $550,550 (5.5%) 0.00 435
    2024-05-01 $465,625 (4.5%) $562,306 (6.8%) 0.00 492
    2024-06-01 $474,445 (5.7%) $562,140 (11.1%) 0.00 529
    2024-07-01 $475,000 (5.6%) $568,115 (10.9%) 0.00 559
    2024-08-01 $474,168 (6.2%) $578,204 (14.7%) 0.00 580
    2024-09-01 $468,101 (4.9%) $575,882 (16.4%) 0.00 619
    2024-10-01 $464,973 (5.7%) $575,616 (15.3%) 0.00 640
    2024-11-01 $465,000 (4.5%) $573,494 (12.2%) 0.00 630
    2024-12-01 $462,350 (4.6%) $560,434 (8.4%) 0.00 578
    2025-01-01 $465,076 (4.5%) $567,245 (8.0%) 0.00 513
    2025-02-01 $469,993 (6.4%) $571,642 (8.3%) 0.00 532
    2025-03-01 $475,000 (8.0%) $576,099 (8.2%) 0.00 552
    2025-04-01 $490,000 (10.1%) $582,363 (5.8%) 0.00 603
    2025-05-01 $488,005 (4.8%) $593,508 (5.6%) 0.00 631
    Jefferson's median listing price for 2025-05-01 was $488,005, a difference of $22,380 (4.8%) versus the prior year and $-1,995 versus the prior month.

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

    Jefferson's average listing price for 2025-05-01 was $593,508, a difference of $31,202 (5.6%) versus the prior year and $11,145 versus the prior month.

    For the 2025-05-01 period, Jefferson had 631 MLS listings, a difference of 28 listings (5%) versus the prior month and 139 listings (28%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Jefferson (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 2,593 sqft
    2018-02-01 0 days 2,575 sqft
    2018-03-01 0 days 2,549 sqft
    2018-04-01 0 days 2,580 sqft
    2018-05-01 0 days 2,571 sqft
    2018-06-01 0 days 2,587 sqft
    2018-07-01 0 days 2,568 sqft
    2018-08-01 0 days 2,517 sqft
    2018-09-01 0 days 2,580 sqft
    2018-10-01 0 days 2,529 sqft
    2018-11-01 0 days 2,544 sqft
    2018-12-01 0 days 2,537 sqft
    2019-01-01 0 days 2,580 sqft
    2019-02-01 0 days 2,599 sqft
    2019-03-01 0 days 2,601 sqft
    2019-04-01 0 days 2,586 sqft
    2019-05-01 0 days 2,614 sqft
    2019-06-01 0 days 2,580 sqft
    2019-07-01 0 days 2,584 sqft
    2019-08-01 0 days 2,577 sqft
    2019-09-01 0 days 2,562 sqft
    2019-10-01 0 days 2,526 sqft
    2019-11-01 0 days 2,509 sqft
    2019-12-01 0 days 2,500 sqft
    2020-01-01 0 days 2,501 sqft
    2020-02-01 0 days 2,500 sqft
    2020-03-01 0 days 2,500 sqft
    2020-04-01 0 days 2,495 sqft
    2020-05-01 0 days 2,493 sqft
    2020-06-01 0 days 2,504 sqft
    2020-07-01 0 days 2,524 sqft
    2020-08-01 0 days 2,546 sqft
    2020-09-01 0 days 2,531 sqft
    2020-10-01 0 days 2,440 sqft
    2020-11-01 0 days 2,502 sqft
    2020-12-01 0 days 2,476 sqft
    2021-01-01 0 days 2,500 sqft
    2021-02-01 0 days 2,373 sqft
    2021-03-01 0 days 2,416 sqft
    2021-04-01 0 days 2,361 sqft
    2021-05-01 0 days 2,371 sqft
    2021-06-01 0 days 2,386 sqft
    2021-07-01 0 days 2,366 sqft
    2021-08-01 0 days 2,463 sqft
    2021-09-01 0 days 2,564 sqft
    2021-10-01 0 days 2,552 sqft
    2021-11-01 0 days 2,650 sqft
    2021-12-01 0 days 2,712 sqft
    2022-01-01 0 days 2,707 sqft
    2022-02-01 0 days 2,592 sqft
    2022-03-01 0 days 2,630 sqft
    2022-04-01 0 days 2,508 sqft
    2022-05-01 0 days 2,506 sqft
    2022-06-01 0 days 2,588 sqft
    2022-07-01 0 days 2,508 sqft
    2022-08-01 0 days 2,496 sqft
    2022-09-01 0 days 2,488 sqft
    2022-10-01 0 days 2,436 sqft
    2022-11-01 0 days 2,467 sqft
    2022-12-01 0 days 2,408 sqft
    2023-01-01 0 days 2,426 sqft
    2023-02-01 0 days 2,467 sqft
    2023-03-01 0 days 2,462 sqft
    2023-04-01 0 days 2,448 sqft
    2023-05-01 0 days 2,442 sqft
    2023-06-01 0 days 2,452 sqft
    2023-07-01 0 days 2,500 sqft
    2023-08-01 0 days 2,482 sqft
    2023-09-01 0 days 2,433 sqft
    2023-10-01 0 days 2,422 sqft
    2023-11-01 0 days 2,438 sqft
    2023-12-01 0 days 2,424 sqft
    2024-01-01 0 days 2,486 sqft
    2024-02-01 0 days 2,448 sqft
    2024-03-01 0 days 2,484 sqft
    2024-04-01 0 days 2,491 sqft
    2024-05-01 0 days 2,539 sqft
    2024-06-01 0 days 2,551 sqft
    2024-07-01 0 days 2,551 sqft
    2024-08-01 0 days 2,518 sqft
    2024-09-01 0 days 2,494 sqft
    2024-10-01 0 days 2,485 sqft
    2024-11-01 0 days 2,459 sqft
    2024-12-01 0 days 2,436 sqft
    2025-01-01 0 days 2,500 sqft
    2025-02-01 0 days 2,486 sqft
    2025-03-01 0 days 2,500 sqft
    2025-04-01 0 days 2,505 sqft
    2025-05-01 0 days 2,524 sqft
    Jefferson's median listing age (time on market) for 2025-05-01 was 0 days.

    Jefferson's median square footage for active listings during the 2025-05-01 period was 2,524 sqft. One year prior, the average listing was 2,539 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.