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 2025-06-20, 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 (2025-06-13) was 6.44% and one month ago for the week of 2025-05-16, the average rate was 6.6%.

    The average rate one year ago was 6.8%.

    For refis of the same type during the week of 2025-06-20, the average rate was 0.06%.

    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 .

    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.