Mountain Home VA Loan Rates, Closing Costs & Stats

Mountain Home, ID

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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.

    Mountain Home's 45 lenders originated 255 VA loans during 2024. The total origination value was $92,275,000, with an average VA loan value of $361,863.

    Mountain Home VA Loans, 30 Year Fixed Rates

    30 Year VA mortgages in Mountain Home averaged 6.38% for the week of 2025-04-04, compared to the national average (all VA variants) of 6.06% for the same period.

    Mountain Home's average VA mortgage closing costs are $7,384.

    The average rate for the prior week (2025-03-28) was 6.4% and one month ago for the week of 2025-02-28, the average rate was 6.17%.

    The average rate one year ago was 6.68%.

    For refis of the same type during the week of 2025-04-04, the average rate was 5.6%.

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

    Mountain Home 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 Mountain Home level.

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    Mortgage Research Center, LLC 50 6.22% $8,255
    PREMIER MORTGAGE RESOURCES, L.L.C. 21 5.90% $14,136
    UNITED WHOLESALE MORTGAGE, LLC 19 5.87% $6,995
    CROSSCOUNTRY MORTGAGE, LLC 18 6.07% $8,526
    MOVEMENT MORTGAGE, LLC 18 6.39% $12,958
    QUICKEN LOANS, LLC 13 6.06% $9,977
    FREEDOM MORTGAGE CORPORATION 11 6.04% $11,672
    AMERICAN PACIFIC MORTGAGE CORPORATION 10 6.23% $11,988
    NAVY FEDERAL CREDIT UNION 5 6.03% $7,463
    PENNYMAC LOAN SERVICES, LLC 4 5.81% $10,409
    LOANDEPOT.COM, LLC 4 6.19% $7,063
    NEWREZ LLC 4 5.72% $7,328
    LAKEVIEW LOAN SERVICING, LLC 3 6.04% $3,980
    MUTUAL OF OMAHA MORTGAGE, INC. 3 5.83% $12,555
    IDAHO CENTRAL 3 5.92% $8,083
    Magnolia Bank 3 5.42% $18,694
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 3 6.67% $7,202
    USAA Federal Savings Bank 3 6.21% $16,328
    Sunflower Bank 3 5.83% $13,319
    GUILD MORTGAGE COMPANY 2 6.13% $11,991
    ENVOY MORTGAGE, LTD 2 6.00% $14,910
    NATIONS DIRECT MORTGAGE, LLC 2 6.88% $8,030
    PLANET HOME LENDING, LLC 2 5.31% $5,788
    Carrington Mortgage Services, LLC 2 6.63% $17,454
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 2 6.50% $6,725
    S1L, Inc. 2 6.69% $12,520
    SUN WEST MORTGAGE COMPANY, INC. 2 5.31% $12,616
    The Federal Savings Bank 2 6.00% $19,152
    PENTAGON FEDERAL CREDIT UNION 1 5.13% $18,831
    PHH Mortgage Corporation 1 5.13% $6,157
    UNION HOME MORTGAGE CORP. 1 5.75% $27,005
    AMERISAVE MORTGAGE CORPORATION 1 5.88% $22,682
    PRIMELENDING, A PLAINSCAPITAL COMPANY 1 6.75% $404
    EVERGREEN MONEYSOURCE MORTGAGE COMPANY 1 6.25% $11,761
    U.S. Bank 1 5.63% $12,287
    SUMMIT FUNDING, INC. 1 5.99% $18,792
    MORTGAGE SOLUTIONS OF COLORADO, LLC 1 7.25% $8,145
    MORTGAGEONE, INC. 1 7.13% $3,555
    MY MOVE MORTGAGE, LLC 1 6.49% $7,223
    VILLAGE CAPITAL MORTGAGE 1 5.75% $11,830
    CMG MORTGAGE, INC. 1 6.00% $26,782
    NBKC BANK 1 5.00% $16,697
    NEW DAY FINANCIAL, LLC 1 7.99% $18,581
    Waterstone Mortgage Corporation 1 6.13% $13,864
    Century Mortgage Company DBA Century Lending Company 1 5.63% $6,900

    The top Mountain Home VA lender as defined by loan originations is Mortgage Research Center, LLC, with 50 VA loans originated. Their average total fees are $8,255, which is $5,880 lower than the next largest lender, PREMIER MORTGAGE RESOURCES, L.L.C..

    The lowest fee Mountain Home VA lenders (with over 10 loans originated) are UNITED WHOLESALE MORTGAGE, LLC ($6,995), Mortgage Research Center, LLC ($8,255), CROSSCOUNTRY MORTGAGE, LLC ($8,526), QUICKEN LOANS, LLC ($9,977) and FREEDOM MORTGAGE CORPORATION ($11,672).

    The lowest rate Mountain Home VA lenders (with over 10 loans originated) are UNITED WHOLESALE MORTGAGE, LLC (5.87%), PREMIER MORTGAGE RESOURCES, L.L.C. (5.90%), FREEDOM MORTGAGE CORPORATION (6.04%), QUICKEN LOANS, LLC (6.06%) and CROSSCOUNTRY MORTGAGE, LLC (6.07%).

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Mountain Home (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 $173,675 (10.8%) $295,212 (57.2%) 0.00 83
    2018-02-01 $173,075 (11.0%) $282,915 (52.6%) 0.00 81
    2018-03-01 $183,900 (9.2%) $299,660 (50.6%) 0.00 78
    2018-04-01 $200,000 (11.2%) $315,229 (50.8%) 0.00 75
    2018-05-01 $208,175 (10.7%) $321,380 (19.5%) 0.00 84
    2018-06-01 $215,000 (13.3%) $313,520 (15.4%) 0.00 103
    2018-07-01 $213,750 (13.1%) $313,450 (16.5%) 0.00 108
    2018-08-01 $212,450 (12.4%) $320,502 (17.3%) 0.00 115
    2018-09-01 $200,000 (14.4%) $309,942 (20.1%) 0.00 114
    2018-10-01 $208,000 (23.6%) $285,449 (13.8%) 0.00 114
    2018-11-01 $204,425 (21.4%) $259,935 (2.9%) 0.00 100
    2018-12-01 $222,620 (27.2%) $258,147 (-2.9%) 0.00 72
    2019-01-01 $220,000 (26.7%) $260,647 (-11.7%) 0.00 59
    2019-02-01 $220,000 (27.1%) $264,142 (-6.6%) 0.00 53
    2019-03-01 $233,783 (27.1%) $269,746 (-10.0%) 0.00 48
    2019-04-01 $230,473 (15.2%) $268,607 (-14.8%) 0.00 50
    2019-05-01 $225,000 (8.1%) $260,273 (-19.0%) 0.00 78
    2019-06-01 $240,303 (11.8%) $330,754 (5.5%) 0.00 83
    2019-07-01 $240,978 (12.7%) $336,745 (7.4%) 0.00 91
    2019-08-01 $237,535 (11.8%) $330,453 (3.1%) 0.00 92
    2019-09-01 $238,354 (19.2%) $323,992 (4.5%) 0.00 96
    2019-10-01 $239,445 (15.1%) $319,684 (12.0%) 0.00 97
    2019-11-01 $246,900 (20.8%) $299,979 (15.4%) 0.00 89
    2019-12-01 $249,900 (12.3%) $274,462 (6.3%) 0.00 82
    2020-01-01 $255,805 (16.3%) $296,483 (13.8%) 0.00 74
    2020-02-01 $262,892 (19.5%) $306,619 (16.1%) 0.00 64
    2020-03-01 $271,760 (16.2%) $310,843 (15.2%) 0.00 63
    2020-04-01 $276,270 (19.9%) $331,387 (23.4%) 0.00 69
    2020-05-01 $279,990 (24.4%) $338,546 (30.1%) 0.00 55
    2020-06-01 $279,923 (16.5%) $359,552 (8.7%) 0.00 33
    2020-07-01 $278,898 (15.7%) $343,005 (1.9%) 0.00 28
    2020-08-01 $285,000 (20.0%) $334,617 (1.3%) 0.00 25
    2020-09-01 $266,250 (11.7%) $320,656 (-1.0%) 0.00 24
    2020-10-01 $270,000 (12.8%) $318,200 (-0.5%) 0.00 19
    2020-11-01 $326,475 (32.2%) $337,147 (12.4%) 0.00 18
    2020-12-01 $325,375 (30.2%) $352,115 (28.3%) 0.00 23
    2021-01-01 $345,000 (34.9%) $359,084 (21.1%) 0.00 21
    2021-02-01 $345,000 (31.2%) $364,068 (18.7%) 0.00 21
    2021-03-01 $393,822 (44.9%) $368,056 (18.4%) 0.00 17
    2021-04-01 $399,900 (44.8%) $390,600 (17.9%) 0.00 16
    2021-05-01 $370,000 (32.2%) $472,934 (39.7%) 0.00 21
    2021-06-01 $388,220 (38.7%) $460,992 (28.2%) 0.00 29
    2021-07-01 $407,990 (46.3%) $437,440 (27.5%) 0.00 63
    2021-08-01 $397,468 (39.5%) $459,689 (37.4%) 0.00 69
    2021-09-01 $368,750 (38.5%) $417,315 (30.1%) 0.00 82
    2021-10-01 $349,995 (29.6%) $414,724 (30.3%) 0.00 84
    2021-11-01 $357,973 (9.7%) $385,586 (14.4%) 0.00 62
    2021-12-01 $345,948 (6.3%) $376,074 (6.8%) 0.00 43
    2022-01-01 $384,900 (11.6%) $408,276 (13.7%) 0.00 25
    2022-02-01 $376,250 (9.1%) $401,312 (10.2%) 0.00 21
    2022-03-01 $410,000 (4.1%) $431,507 (17.2%) 0.00 27
    2022-04-01 $424,900 (6.3%) $424,413 (8.7%) 0.00 34
    2022-05-01 $413,900 (11.9%) $462,084 (-2.3%) 0.00 48
    2022-06-01 $397,500 (2.4%) $479,778 (4.1%) 0.00 54
    2022-07-01 $374,900 (-8.1%) $434,005 (-0.8%) 0.00 69
    2022-08-01 $367,425 (-7.6%) $410,021 (-10.8%) 0.00 85
    2022-09-01 $349,975 (-5.1%) $410,139 (-1.7%) 0.00 82
    2022-10-01 $374,900 (7.1%) $441,804 (6.5%) 0.00 79
    2022-11-01 $364,250 (1.8%) $413,633 (7.3%) 0.00 86
    2022-12-01 $365,000 (5.5%) $438,984 (16.7%) 0.00 74
    2023-01-01 $367,450 (-4.5%) $440,394 (7.9%) 0.00 60
    2023-02-01 $374,450 (-0.5%) $404,121 (0.7%) 0.00 57
    2023-03-01 $370,000 (-9.8%) $416,448 (-3.5%) 0.00 57
    2023-04-01 $375,000 (-11.7%) $421,264 (-0.7%) 0.00 56
    2023-05-01 $387,490 (-6.4%) $437,022 (-5.4%) 0.00 64
    2023-06-01 $388,095 (-2.4%) $435,626 (-9.2%) 0.00 63
    2023-07-01 $395,445 (5.5%) $444,818 (2.5%) 0.00 62
    2023-08-01 $383,470 (4.4%) $456,627 (11.4%) 0.00 72
    2023-09-01 $365,000 (4.3%) $437,896 (6.8%) 0.00 85
    2023-10-01 $393,718 (5.0%) $444,348 (0.6%) 0.00 81
    2023-11-01 $348,675 (-4.3%) $426,794 (3.2%) 0.00 71
    2023-12-01 $357,450 (-2.1%) $416,461 (-5.1%) 0.00 62
    2024-01-01 $359,998 (-2.0%) $405,088 (-8.0%) 0.00 51
    2024-02-01 $376,223 (0.5%) $432,556 (7.0%) 0.00 39
    2024-03-01 $397,495 (7.4%) $426,813 (2.5%) 0.00 39
    2024-04-01 $400,550 (6.8%) $464,274 (10.2%) 0.00 50
    2024-05-01 $402,700 (3.9%) $548,254 (25.5%) 0.00 65
    2024-06-01 $394,450 (1.6%) $571,442 (31.2%) 0.00 70
    2024-07-01 $424,498 (7.4%) $597,861 (34.4%) 0.00 74
    2024-08-01 $412,490 (7.6%) $578,688 (26.7%) 0.00 79
    2024-09-01 $389,925 (6.8%) $537,360 (22.7%) 0.00 96
    2024-10-01 $373,125 (-5.2%) $499,532 (12.4%) 0.00 99
    2024-11-01 $369,000 (5.8%) $498,060 (16.7%) 0.00 100
    2024-12-01 $359,748 (0.6%) $477,086 (14.6%) 0.00 85
    2025-01-01 $363,240 (0.9%) $480,127 (18.5%) 0.00 77
    2025-02-01 $357,745 (-4.9%) $462,162 (6.8%) 0.00 83
    2025-03-01 $353,990 (-10.9%) $454,920 (6.6%) 0.00 82
    Mountain Home's median listing price for 2025-03-01 was $353,990, a difference of $-43,505 (-10.9%) versus the prior year and $-3,755 versus the prior month.

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

    Mountain Home's average listing price for 2025-03-01 was $454,920, a difference of $28,107 (6.6%) versus the prior year and $-7,242 versus the prior month.

    For the 2025-03-01 period, Mountain Home had 82 MLS listings, a difference of -1 listings (-1%) versus the prior month and 43 listings (110%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Mountain Home (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 1,767 sqft
    2018-02-01 0 days 1,678 sqft
    2018-03-01 0 days 1,722 sqft
    2018-04-01 0 days 1,844 sqft
    2018-05-01 0 days 1,872 sqft
    2018-06-01 0 days 1,873 sqft
    2018-07-01 0 days 1,850 sqft
    2018-08-01 0 days 1,851 sqft
    2018-09-01 0 days 1,810 sqft
    2018-10-01 0 days 1,826 sqft
    2018-11-01 0 days 1,816 sqft
    2018-12-01 0 days 1,800 sqft
    2019-01-01 0 days 1,818 sqft
    2019-02-01 0 days 1,809 sqft
    2019-03-01 0 days 1,830 sqft
    2019-04-01 0 days 1,808 sqft
    2019-05-01 0 days 1,861 sqft
    2019-06-01 0 days 1,856 sqft
    2019-07-01 0 days 1,835 sqft
    2019-08-01 0 days 1,764 sqft
    2019-09-01 0 days 1,749 sqft
    2019-10-01 0 days 1,730 sqft
    2019-11-01 0 days 1,748 sqft
    2019-12-01 0 days 1,722 sqft
    2020-01-01 0 days 1,699 sqft
    2020-02-01 0 days 1,707 sqft
    2020-03-01 0 days 1,780 sqft
    2020-04-01 0 days 1,829 sqft
    2020-05-01 0 days 1,943 sqft
    2020-06-01 0 days 1,960 sqft
    2020-07-01 0 days 1,897 sqft
    2020-08-01 0 days 1,873 sqft
    2020-09-01 0 days 1,866 sqft
    2020-10-01 0 days 1,826 sqft
    2020-11-01 0 days 1,914 sqft
    2020-12-01 0 days 1,931 sqft
    2021-01-01 0 days 1,892 sqft
    2021-02-01 0 days 1,944 sqft
    2021-03-01 0 days 1,892 sqft
    2021-04-01 0 days 1,857 sqft
    2021-05-01 0 days 1,829 sqft
    2021-06-01 0 days 1,707 sqft
    2021-07-01 0 days 1,850 sqft
    2021-08-01 0 days 1,808 sqft
    2021-09-01 0 days 1,761 sqft
    2021-10-01 0 days 1,693 sqft
    2021-11-01 0 days 1,736 sqft
    2021-12-01 0 days 1,741 sqft
    2022-01-01 0 days 1,830 sqft
    2022-02-01 0 days 1,897 sqft
    2022-03-01 0 days 1,896 sqft
    2022-04-01 0 days 1,836 sqft
    2022-05-01 0 days 1,854 sqft
    2022-06-01 0 days 1,853 sqft
    2022-07-01 0 days 1,824 sqft
    2022-08-01 0 days 1,760 sqft
    2022-09-01 0 days 1,651 sqft
    2022-10-01 0 days 1,704 sqft
    2022-11-01 0 days 1,751 sqft
    2022-12-01 0 days 1,815 sqft
    2023-01-01 0 days 1,884 sqft
    2023-02-01 0 days 1,847 sqft
    2023-03-01 0 days 1,743 sqft
    2023-04-01 0 days 1,744 sqft
    2023-05-01 0 days 1,840 sqft
    2023-06-01 0 days 1,851 sqft
    2023-07-01 0 days 1,755 sqft
    2023-08-01 0 days 1,722 sqft
    2023-09-01 0 days 1,713 sqft
    2023-10-01 0 days 1,740 sqft
    2023-11-01 0 days 1,664 sqft
    2023-12-01 0 days 1,814 sqft
    2024-01-01 0 days 1,661 sqft
    2024-02-01 0 days 1,876 sqft
    2024-03-01 0 days 2,006 sqft
    2024-04-01 0 days 2,074 sqft
    2024-05-01 0 days 2,094 sqft
    2024-06-01 0 days 1,912 sqft
    2024-07-01 0 days 1,952 sqft
    2024-08-01 0 days 1,903 sqft
    2024-09-01 0 days 1,815 sqft
    2024-10-01 0 days 1,716 sqft
    2024-11-01 0 days 1,757 sqft
    2024-12-01 0 days 1,704 sqft
    2025-01-01 0 days 1,699 sqft
    2025-02-01 0 days 1,697 sqft
    2025-03-01 0 days 1,694 sqft
    Mountain Home's median listing age (time on market) for 2025-03-01 was 0 days.

    Mountain Home's median square footage for active listings during the 2025-03-01 period was 1,694 sqft. One year prior, the average listing was 2,006 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.