Moultrie VA Loan Rates, Closing Costs & Stats

Moultrie, 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.

    Moultrie's 19 lenders originated 29 VA loans during 2023. The total origination value was $7,205,000, with an average VA loan value of $248,448.

    Moultrie VA Loans, 30 Year Fixed Rates

    30 Year VA mortgages in Moultrie averaged 0.08% for the week of 2024-11-15, compared to the national average (all VA variants) of 0% for the same period.

    Moultrie's average VA mortgage closing costs are $4,600.

    The average rate for the prior week (2024-11-08) was 6.49% and one month ago for the week of 2024-10-11, the average rate was 6.05%.

    The average rate one year ago was 7.34%.

    For refis of the same type during the week of 2024-11-15, the average rate was -0.2%.

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

    Moultrie 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 Moultrie level.

    Name # of Loans 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
    Flagstar Bank, FSB 5 6.75% $8,019
    Mortgage Research Center, LLC 4 6.34% $5,619
    VILLAGE CAPITAL MORTGAGE 2 5.63% $8,341
    NAVY FEDERAL CREDIT UNION 2 5.88% $5,058
    QUICKEN LOANS, LLC 2 6.49% $8,603
    MORTGAGEONE, INC. 1 6.75% $1,506
    AMERISAVE MORTGAGE CORPORATION 1 5.63% $6,338
    MORTGAGE SOLUTIONS OF COLORADO, LLC 1 7.75% $3,861
    Mr. Cooper ( Nationstar Mortgage ) 1 6.50% $8,691
    USAA Federal Savings Bank 1 5.50% $5,137
    NEW DAY FINANCIAL, LLC 1 6.99% $20,889
    PLAZA HOME MORTGAGE, INC. 1 5.13% $8,021
    AMERICAN PACIFIC MORTGAGE CORPORATION 1 6.75% $13,206
    Renasant Bank 1 6.88% $6,188
    SECURITYNATIONAL MORTGAGE COMPANY 1 6.13% $6,874
    UNION HOME MORTGAGE CORP. 1 7.63% $6,429
    UNITED WHOLESALE MORTGAGE, LLC 1 6.00% $9,364
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 1 6.75% $2,423
    BANKSOUTH MORTGAGE COMPANY, LLC 1 5.75% $5,569

    The top Moultrie VA lender as defined by loan originations is Flagstar Bank, FSB, with 5 VA loans originated. Their average total fees are $8,019, which is $2,400 higher than the next largest lender, Mortgage Research Center, LLC.

    The lowest fee Moultrie VA lenders (with over 10 loans originated) are .

    The lowest rate Moultrie VA lenders (with over 10 loans originated) are .

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Moultrie (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 $158,675 (5.9%) $208,924 (5.8%) 0.00 123
    2018-02-01 $159,900 (7.0%) $203,725 (2.5%) 0.00 126
    2018-03-01 $159,900 (10.3%) $203,425 (2.1%) 0.00 126
    2018-04-01 $164,700 (15.6%) $206,022 (3.4%) 0.00 129
    2018-05-01 $164,800 (15.7%) $205,335 (4.6%) 0.00 136
    2018-06-01 $164,500 (23.5%) $212,101 (11.9%) 0.00 133
    2018-07-01 $156,650 (16.1%) $211,456 (12.7%) 0.00 135
    2018-08-01 $152,450 (4.1%) $202,739 (3.1%) 0.00 131
    2018-09-01 $157,500 (7.6%) $196,058 (0.9%) 0.00 139
    2018-10-01 $153,675 (3.0%) $185,222 (-7.5%) 0.00 137
    2018-11-01 $154,900 (1.7%) $190,588 (-5.7%) 0.00 127
    2018-12-01 $149,900 (-3.3%) $193,561 (-6.2%) 0.00 111
    2019-01-01 $158,400 (-0.2%) $196,064 (-6.2%) 0.00 107
    2019-02-01 $154,900 (-3.1%) $191,861 (-5.8%) 0.00 118
    2019-03-01 $160,850 (0.6%) $200,420 (-1.5%) 0.00 112
    2019-04-01 $169,339 (2.8%) $214,938 (4.3%) 0.00 105
    2019-05-01 $164,925 (0.1%) $210,328 (2.4%) 0.00 107
    2019-06-01 $188,250 (14.4%) $222,691 (5.0%) 0.00 98
    2019-07-01 $189,900 (21.2%) $230,097 (8.8%) 0.00 102
    2019-08-01 $189,900 (24.6%) $228,397 (12.7%) 0.00 100
    2019-09-01 $189,900 (20.6%) $224,295 (14.4%) 0.00 97
    2019-10-01 $189,900 (23.6%) $221,017 (19.3%) 0.00 94
    2019-11-01 $191,700 (23.8%) $222,216 (16.6%) 0.00 90
    2019-12-01 $187,450 (25.1%) $220,063 (13.7%) 0.00 76
    2020-01-01 $191,150 (20.7%) $223,810 (14.2%) 0.00 69
    2020-02-01 $187,450 (21.0%) $223,809 (16.7%) 0.00 71
    2020-03-01 $192,700 (19.8%) $226,308 (12.9%) 0.00 68
    2020-04-01 $177,450 (4.8%) $213,283 (-0.8%) 0.00 73
    2020-05-01 $185,000 (12.2%) $225,700 (7.3%) 0.00 66
    2020-06-01 $191,175 (1.6%) $222,453 (-0.1%) 0.00 65
    2020-07-01 $199,900 (5.3%) $235,005 (2.1%) 0.00 58
    2020-08-01 $199,900 (5.3%) $225,763 (-1.2%) 0.00 54
    2020-09-01 $196,150 (3.3%) $225,313 (0.5%) 0.00 48
    2020-10-01 $202,950 (6.9%) $234,334 (6.0%) 0.00 46
    2020-11-01 $202,950 (5.9%) $238,176 (7.2%) 0.00 47
    2020-12-01 $217,175 (15.9%) $256,509 (16.6%) 0.00 42
    2021-01-01 $221,950 (16.1%) $268,664 (20.0%) 0.00 35
    2021-02-01 $237,400 (26.7%) $252,160 (12.7%) 0.00 44
    2021-03-01 $229,900 (19.3%) $234,733 (3.7%) 0.00 43
    2021-04-01 $274,500 (54.7%) $270,312 (26.7%) 0.00 29
    2021-05-01 $282,450 (52.7%) $291,267 (29.1%) 0.00 28
    2021-06-01 $261,175 (36.6%) $271,032 (21.8%) 0.00 28
    2021-07-01 $269,900 (35.0%) $299,811 (27.6%) 0.00 27
    2021-08-01 $229,925 (15.0%) $282,606 (25.2%) 0.00 42
    2021-09-01 $222,498 (13.4%) $273,234 (21.3%) 0.00 46
    2021-10-01 $222,500 (9.6%) $290,630 (24.0%) 0.00 42
    2021-11-01 $238,225 (17.4%) $301,807 (26.7%) 0.00 36
    2021-12-01 $225,000 (3.6%) $272,735 (6.3%) 0.00 40
    2022-01-01 $204,950 (-7.7%) $252,631 (-6.0%) 0.00 41
    2022-02-01 $173,450 (-26.9%) $272,985 (8.3%) 0.00 41
    2022-03-01 $189,900 (-17.4%) $284,098 (21.0%) 0.00 42
    2022-04-01 $166,950 (-39.2%) $256,888 (-5.0%) 0.00 43
    2022-05-01 $248,675 (-12.0%) $271,707 (-6.7%) 0.00 46
    2022-06-01 $267,475 (2.4%) $294,636 (8.7%) 0.00 41
    2022-07-01 $262,000 (-2.9%) $270,750 (-9.7%) 0.00 44
    2022-08-01 $218,500 (-5.0%) $258,128 (-8.7%) 0.00 45
    2022-09-01 $258,725 (16.3%) $268,554 (-1.7%) 0.00 46
    2022-10-01 $255,000 (14.6%) $253,549 (-12.8%) 0.00 55
    2022-11-01 $250,500 (5.2%) $248,033 (-17.8%) 0.00 68
    2022-12-01 $249,750 (11.0%) $251,988 (-7.6%) 0.00 79
    2023-01-01 $271,000 (32.2%) $297,642 (17.8%) 0.00 38
    2023-02-01 $270,250 (55.8%) $278,293 (1.9%) 0.00 44
    2023-03-01 $292,175 (53.9%) $286,362 (0.8%) 0.00 42
    2023-04-01 $299,900 (79.6%) $296,239 (15.3%) 0.00 32
    2023-05-01 $287,200 (15.5%) $295,630 (8.8%) 0.00 36
    2023-06-01 $303,750 (13.6%) $322,082 (9.3%) 0.00 45
    2023-07-01 $285,000 (8.8%) $335,392 (23.9%) 0.00 50
    2023-08-01 $297,500 (36.2%) $355,569 (37.8%) 0.00 47
    2023-09-01 $299,000 (15.6%) $359,413 (33.8%) 0.00 49
    2023-10-01 $302,450 (18.6%) $359,312 (41.7%) 0.00 54
    2023-11-01 $297,450 (18.7%) $337,857 (36.2%) 0.00 50
    2023-12-01 $299,900 (20.1%) $358,830 (42.4%) 0.00 49
    2024-01-01 $289,900 (7.0%) $338,096 (13.6%) 0.00 56
    2024-02-01 $287,450 (6.4%) $336,109 (20.8%) 0.00 46
    2024-03-01 $250,000 (-14.4%) $314,279 (9.8%) 0.00 52
    2024-04-01 $259,975 (-13.3%) $335,998 (13.4%) 0.00 55
    2024-05-01 $275,000 (-4.3%) $344,870 (16.7%) 0.00 57
    2024-06-01 $292,450 (-3.7%) $351,572 (9.2%) 0.00 61
    2024-07-01 $322,500 (13.2%) $366,707 (9.3%) 0.00 58
    2024-08-01 $297,000 (-0.2%) $351,789 (-1.1%) 0.00 70
    2024-09-01 $294,998 (-1.3%) $347,245 (-3.4%) 0.00 71
    2024-10-01 $277,250 (-8.3%) $317,585 (-11.6%) 0.00 69
    Moultrie's median listing price for 2024-10-01 was $277,250, a difference of $-25,200 (-8.3%) versus the prior year and $-17,748 versus the prior month.

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

    Moultrie's average listing price for 2024-10-01 was $317,585, a difference of $-41,727 (-11.6%) versus the prior year and $-29,660 versus the prior month.

    For the 2024-10-01 period, Moultrie had 69 MLS listings, a difference of -2 listings (-3%) versus the prior month and 15 listings (28%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Moultrie (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 2,014 sqft
    2018-02-01 0 days 1,913 sqft
    2018-03-01 0 days 2,009 sqft
    2018-04-01 0 days 2,048 sqft
    2018-05-01 0 days 2,082 sqft
    2018-06-01 0 days 2,104 sqft
    2018-07-01 0 days 2,082 sqft
    2018-08-01 0 days 2,022 sqft
    2018-09-01 0 days 2,014 sqft
    2018-10-01 0 days 2,006 sqft
    2018-11-01 0 days 2,019 sqft
    2018-12-01 0 days 2,044 sqft
    2019-01-01 0 days 2,072 sqft
    2019-02-01 0 days 1,938 sqft
    2019-03-01 0 days 1,939 sqft
    2019-04-01 0 days 1,979 sqft
    2019-05-01 0 days 1,994 sqft
    2019-06-01 0 days 2,115 sqft
    2019-07-01 0 days 2,059 sqft
    2019-08-01 0 days 2,060 sqft
    2019-09-01 0 days 2,060 sqft
    2019-10-01 0 days 2,060 sqft
    2019-11-01 0 days 2,113 sqft
    2019-12-01 0 days 2,064 sqft
    2020-01-01 0 days 2,077 sqft
    2020-02-01 0 days 2,123 sqft
    2020-03-01 0 days 2,122 sqft
    2020-04-01 0 days 2,067 sqft
    2020-05-01 0 days 2,108 sqft
    2020-06-01 0 days 2,070 sqft
    2020-07-01 0 days 2,169 sqft
    2020-08-01 0 days 2,153 sqft
    2020-09-01 0 days 2,176 sqft
    2020-10-01 0 days 2,176 sqft
    2020-11-01 0 days 2,139 sqft
    2020-12-01 0 days 2,561 sqft
    2021-01-01 0 days 2,650 sqft
    2021-02-01 0 days 2,537 sqft
    2021-03-01 0 days 2,519 sqft
    2021-04-01 0 days 2,666 sqft
    2021-05-01 0 days 2,533 sqft
    2021-06-01 0 days 2,136 sqft
    2021-07-01 0 days 2,319 sqft
    2021-08-01 0 days 2,106 sqft
    2021-09-01 0 days 2,097 sqft
    2021-10-01 0 days 2,111 sqft
    2021-11-01 0 days 2,073 sqft
    2021-12-01 0 days 1,820 sqft
    2022-01-01 0 days 1,821 sqft
    2022-02-01 0 days 2,022 sqft
    2022-03-01 0 days 1,904 sqft
    2022-04-01 0 days 1,953 sqft
    2022-05-01 0 days 2,062 sqft
    2022-06-01 0 days 2,363 sqft
    2022-07-01 0 days 2,356 sqft
    2022-08-01 0 days 1,977 sqft
    2022-09-01 0 days 1,959 sqft
    2022-10-01 0 days 1,944 sqft
    2022-11-01 0 days 1,993 sqft
    2022-12-01 0 days 2,018 sqft
    2023-01-01 0 days 2,141 sqft
    2023-02-01 0 days 1,876 sqft
    2023-03-01 0 days 1,954 sqft
    2023-04-01 0 days 1,862 sqft
    2023-05-01 0 days 1,928 sqft
    2023-06-01 0 days 1,999 sqft
    2023-07-01 0 days 1,876 sqft
    2023-08-01 0 days 2,028 sqft
    2023-09-01 0 days 1,926 sqft
    2023-10-01 0 days 1,895 sqft
    2023-11-01 0 days 1,800 sqft
    2023-12-01 0 days 1,800 sqft
    2024-01-01 0 days 1,746 sqft
    2024-02-01 0 days 1,733 sqft
    2024-03-01 0 days 1,766 sqft
    2024-04-01 0 days 1,870 sqft
    2024-05-01 0 days 1,935 sqft
    2024-06-01 0 days 2,056 sqft
    2024-07-01 0 days 2,179 sqft
    2024-08-01 0 days 2,134 sqft
    2024-09-01 0 days 2,158 sqft
    2024-10-01 0 days 2,024 sqft
    Moultrie's median listing age (time on market) for 2024-10-01 was 0 days.

    Moultrie's median square footage for active listings during the 2024-10-01 period was 2,024 sqft. One year prior, the average listing was 1,895 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.