Moultrie VA Loan Rates, Closing Costs & Stats

Moultrie, GA

  • JUMP TO:
  • Trends
  • Rates vs Fees
  • Top Lenders
  • Markets
  • Market Conditions & Pricing
  • Time on Market/Property Size

    • 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 15 lenders originated 38 VA loans during 2024. The total origination value was $10,120,000, with an average VA loan value of $266,316.

    Moultrie VA Loans, 30 Year Fixed Rates

    30 Year VA mortgages in Moultrie averaged 6.77% for the week of 2025-07-11, compared to the national average (all VA variants) of 6.37% for the same period.

    Moultrie's average VA mortgage closing costs are $5,008.

    The average rate for the prior week (2025-07-04) was 6.88% and one month ago for the week of 2025-06-06, the average rate was 6.66%.

    The average rate one year ago was 6.78%.

    For refis of the same type during the week of 2025-07-11, the average rate was 6.37%.

    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 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    Mortgage Research Center, LLC 10 6.47% $3,110
    FREEDOM MORTGAGE CORPORATION 8 6.03% $6,582
    UNITED WHOLESALE MORTGAGE, LLC 3 6.01% $4,370
    MORTGAGE SOLUTIONS OF COLORADO, LLC 2 6.75% $2,495
    VILLAGE CAPITAL MORTGAGE 2 5.62% $4,853
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 2 6.50% $11,319
    NEW DAY FINANCIAL, LLC 2 7.68% $12,996
    QUICKEN LOANS, LLC 2 5.74% $16,833
    Mr. Cooper ( Nationstar Mortgage ) 1 6.75% $20,220
    GENEVA FINANCIAL, LLC 1 6.75% $563
    GUILD MORTGAGE COMPANY 1 7.13% $6,163
    EVERETT FINANCIAL, INC. 1 7.50% $1,295
    NAVY FEDERAL CREDIT UNION 1 6.00% $10,157
    Synovus Bank 1 6.00% $18,715
    The Federal Savings Bank 1 6.63% $22,127

    The top Moultrie VA lender as defined by loan originations is Mortgage Research Center, LLC, with 10 VA loans originated. Their average total fees are $3,110, which is $3,472 lower than the next largest lender, FREEDOM MORTGAGE CORPORATION.

    The lowest fee Moultrie VA lenders (with over 10 loans originated) are Mortgage Research Center, LLC ($3,110), .

    The lowest rate Moultrie VA lenders (with over 10 loans originated) are Mortgage Research Center, LLC (6.47%), .

    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 (6.4%) 0.00 123
    2018-02-01 $159,900 (7.3%) $203,725 (3.1%) 0.00 126
    2018-03-01 $159,900 (11.3%) $203,425 (2.7%) 0.00 126
    2018-04-01 $164,700 (17.7%) $206,022 (4.0%) 0.00 129
    2018-05-01 $164,800 (16.7%) $205,335 (5.3%) 0.00 136
    2018-06-01 $164,500 (26.6%) $212,101 (12.6%) 0.00 133
    2018-07-01 $156,650 (18.3%) $211,456 (13.1%) 0.00 135
    2018-08-01 $152,450 (5.6%) $202,739 (3.5%) 0.00 131
    2018-09-01 $157,500 (8.7%) $196,058 (1.2%) 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 $250,000 (4.9%) $246,446 (-18.3%) 0.00 67
    2022-12-01 $249,500 (10.9%) $250,963 (-8.0%) 0.00 78
    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 (19.0%) $337,857 (37.1%) 0.00 50
    2023-12-01 $299,900 (20.2%) $358,830 (43.0%) 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 $282,000 (-1.8%) $343,670 (16.3%) 0.00 57
    2024-06-01 $292,450 (-3.7%) $343,435 (6.6%) 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
    2024-11-01 $274,000 (-7.9%) $304,664 (-9.8%) 0.00 76
    2024-12-01 $275,125 (-8.3%) $301,074 (-16.1%) 0.00 64
    2025-01-01 $276,500 (-4.6%) $286,462 (-15.3%) 0.00 64
    2025-02-01 $273,500 (-4.9%) $280,779 (-16.5%) 0.00 63
    2025-03-01 $269,000 (7.6%) $278,643 (-11.3%) 0.00 52
    2025-04-01 $275,000 (5.8%) $299,463 (-10.9%) 0.00 48
    2025-05-01 $275,000 (-2.5%) $303,639 (-11.7%) 0.00 48
    2025-06-01 $249,975 (-14.5%) $271,150 (-21.1%) 0.00 53
    Moultrie's median listing price for 2025-06-01 was $249,975, a difference of $-42,475 (-14.5%) versus the prior year and $-25,025 versus the prior month.

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

    Moultrie's average listing price for 2025-06-01 was $271,150, a difference of $-72,285 (-21.1%) versus the prior year and $-32,489 versus the prior month.

    For the 2025-06-01 period, Moultrie had 53 MLS listings, a difference of 5 listings (10%) versus the prior month and -8 listings (-13%) 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 2,226 sqft
    2021-08-01 0 days 2,103 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 2,060 sqft
    2022-06-01 0 days 2,356 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 2,035 sqft
    2022-12-01 0 days 2,052 sqft
    2023-01-01 0 days 2,141 sqft
    2023-02-01 0 days 1,873 sqft
    2023-03-01 0 days 1,998 sqft
    2023-04-01 0 days 1,877 sqft
    2023-05-01 0 days 1,909 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 1,926 sqft
    2024-06-01 0 days 2,034 sqft
    2024-07-01 0 days 2,179 sqft
    2024-08-01 0 days 2,138 sqft
    2024-09-01 0 days 2,158 sqft
    2024-10-01 0 days 2,024 sqft
    2024-11-01 0 days 2,000 sqft
    2024-12-01 0 days 1,889 sqft
    2025-01-01 0 days 1,952 sqft
    2025-02-01 0 days 1,997 sqft
    2025-03-01 0 days 2,000 sqft
    2025-04-01 0 days 2,010 sqft
    2025-05-01 0 days 1,916 sqft
    2025-06-01 0 days 1,892 sqft
    Moultrie's median listing age (time on market) for 2025-06-01 was 0 days.

    Moultrie's median square footage for active listings during the 2025-06-01 period was 1,892 sqft. One year prior, the average listing was 2,034 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.