Nacogdoches VA Loan Rates, Closing Costs & Stats

Nacogdoches, TX

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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.

    Nacogdoches's 21 lenders originated 38 VA loans during 2023. The total origination value was $11,080,000, with an average VA loan value of $291,579.

    Nacogdoches VA Loans, 30 Year Fixed Rates

    30 Year VA mortgages in Nacogdoches averaged 6.22% for the week of 2024-12-13, compared to the national average (all VA variants) of 6.077% for the same period.

    Nacogdoches's average VA mortgage closing costs are $5,762.

    The average rate for the prior week (2024-12-06) was 6.25% and one month ago for the week of 2024-11-08, the average rate was 6.55%.

    The average rate one year ago was 6.9%.

    For refis of the same type during the week of 2024-12-13, the average rate was 6.08%.

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

    Nacogdoches 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 Nacogdoches level.

    Name # of Loans 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
    Mortgage Research Center, LLC 12 6.55% $9,760
    AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 3 7.17% $3,060
    Commercial Bank of Texas 3 5.83% $9,176
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 2 6.75% $10,729
    AMCAP MORTGAGE, LTD. 2 7.01% $13,923
    GUILD MORTGAGE COMPANY 1 7.25% $5,324
    MANN FINANCIAL INC. 1 7.13% $5,877
    MORTGAGE FINANCIAL SERVICES, LLC 1 6.99% $3,663
    NEWREZ LLC 1 7.13% $6,999
    NTFN, INC. 1 6.13% $7,235
    PENTAGON FEDERAL CREDIT UNION 1 5.88% $11,084
    PILGRIM MORTGAGE LLC 1 6.88% $675
    STOCKTON MORTGAGE CORPORATION 1 7.25% $11,071
    THRIVE MORTGAGE, LLC 1 7.13% $4,722
    USAA Federal Savings Bank 1 6.25% $4,447
    VANDERBILT MORTGAGE AND FINANCE, INC. 1 6.88% $1,750
    VAN DYK MORTGAGE CORPORATION 1 7.50% $3,257
    BancorpSouth 1 6.38% $13,596
    Century Mortgage Company DBA Century Lending Company 1 6.25% $5,135
    EUSTIS AND AMERICAN MORTGAGE COMPANY 1 7.13% $13,255
    First United Bank and Trust Company 1 5.88% $5,366

    The top Nacogdoches VA lender as defined by loan originations is Mortgage Research Center, LLC, with 12 VA loans originated. Their average total fees are $9,760, which is $6,700 higher than the next largest lender, AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC.

    The lowest fee Nacogdoches VA lenders (with over 10 loans originated) are Mortgage Research Center, LLC ($9,760), .

    The lowest rate Nacogdoches VA lenders (with over 10 loans originated) are Mortgage Research Center, LLC (6.55%), .

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Nacogdoches (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 $180,750 (-0.1%) $226,365 (-4.4%) 0.00 186
    2018-02-01 $174,950 (-3.2%) $227,993 (-3.5%) 0.00 186
    2018-03-01 $194,900 (5.4%) $233,468 (-2.5%) 0.00 196
    2018-04-01 $185,475 (-2.2%) $225,932 (-8.2%) 0.00 206
    2018-05-01 $184,125 (-4.8%) $223,826 (-8.2%) 0.00 202
    2018-06-01 $194,500 (-3.2%) $241,179 (-5.4%) 0.00 210
    2018-07-01 $198,750 (-5.0%) $239,811 (-2.3%) 0.00 202
    2018-08-01 $199,500 (-0.3%) $247,154 (3.1%) 0.00 196
    2018-09-01 $213,500 (7.8%) $254,910 (8.1%) 0.00 171
    2018-10-01 $210,125 (7.2%) $263,135 (10.2%) 0.00 166
    2018-11-01 $208,750 (19.3%) $258,034 (10.2%) 0.00 168
    2018-12-01 $209,000 (14.8%) $261,724 (11.7%) 0.00 160
    2019-01-01 $216,750 (19.9%) $261,343 (15.5%) 0.00 152
    2019-02-01 $208,450 (19.2%) $253,502 (11.2%) 0.00 164
    2019-03-01 $213,714 (9.7%) $257,997 (10.5%) 0.00 168
    2019-04-01 $209,600 (13.0%) $255,915 (13.3%) 0.00 170
    2019-05-01 $209,925 (14.0%) $271,728 (21.4%) 0.00 155
    2019-06-01 $199,925 (2.8%) $269,626 (11.8%) 0.00 151
    2019-07-01 $209,450 (5.4%) $274,330 (14.4%) 0.00 163
    2019-08-01 $223,182 (11.9%) $279,324 (13.0%) 0.00 166
    2019-09-01 $235,455 (10.3%) $286,684 (12.5%) 0.00 160
    2019-10-01 $246,475 (17.3%) $294,485 (11.9%) 0.00 153
    2019-11-01 $259,900 (24.5%) $297,801 (15.4%) 0.00 144
    2019-12-01 $233,875 (11.9%) $290,473 (11.0%) 0.00 142
    2020-01-01 $216,000 (-0.4%) $283,241 (8.4%) 0.00 133
    2020-02-01 $198,900 (-4.6%) $252,929 (-0.2%) 0.00 139
    2020-03-01 $197,500 (-7.6%) $254,916 (-1.2%) 0.00 148
    2020-04-01 $218,750 (4.4%) $281,070 (9.8%) 0.00 142
    2020-05-01 $219,000 (4.3%) $282,191 (3.9%) 0.00 136
    2020-06-01 $233,650 (16.9%) $302,352 (12.1%) 0.00 118
    2020-07-01 $271,175 (29.5%) $337,025 (22.9%) 0.00 104
    2020-08-01 $290,500 (30.2%) $339,548 (21.6%) 0.00 93
    2020-09-01 $287,175 (22.0%) $360,569 (25.8%) 0.00 97
    2020-10-01 $269,900 (9.5%) $326,641 (10.9%) 0.00 108
    2020-11-01 $264,900 (1.9%) $352,766 (18.5%) 0.00 98
    2020-12-01 $234,100 (0.1%) $336,796 (16.0%) 0.00 86
    2021-01-01 $253,000 (17.1%) $345,164 (21.9%) 0.00 81
    2021-02-01 $277,850 (39.7%) $362,565 (43.4%) 0.00 83
    2021-03-01 $279,250 (41.4%) $363,814 (42.7%) 0.00 71
    2021-04-01 $261,475 (19.5%) $379,371 (35.0%) 0.00 62
    2021-05-01 $259,000 (18.3%) $384,235 (36.2%) 0.00 57
    2021-06-01 $262,700 (12.4%) $422,396 (39.7%) 0.00 70
    2021-07-01 $299,000 (10.3%) $402,551 (19.4%) 0.00 76
    2021-08-01 $280,675 (-3.4%) $383,660 (13.0%) 0.00 79
    2021-09-01 $266,100 (-7.3%) $367,835 (2.0%) 0.00 84
    2021-10-01 $275,900 (2.2%) $365,638 (11.9%) 0.00 77
    2021-11-01 $288,550 (8.9%) $377,512 (7.0%) 0.00 75
    2021-12-01 $292,300 (24.9%) $385,211 (14.4%) 0.00 59
    2022-01-01 $254,500 (0.6%) $349,549 (1.3%) 0.00 62
    2022-02-01 $287,125 (3.3%) $383,172 (5.7%) 0.00 55
    2022-03-01 $280,625 (0.5%) $449,898 (23.7%) 0.00 50
    2022-04-01 $264,000 (1.0%) $338,451 (-10.8%) 0.00 50
    2022-05-01 $253,675 (-2.1%) $313,456 (-18.4%) 0.00 52
    2022-06-01 $258,675 (-1.5%) $382,307 (-9.5%) 0.00 64
    2022-07-01 $248,500 (-16.9%) $392,831 (-2.4%) 0.00 70
    2022-08-01 $286,125 (1.9%) $406,048 (5.8%) 0.00 86
    2022-09-01 $283,700 (6.6%) $406,141 (10.4%) 0.00 86
    2022-10-01 $279,500 (1.3%) $370,091 (1.2%) 0.00 100
    2022-11-01 $299,225 (3.7%) $384,520 (1.9%) 0.00 100
    2022-12-01 $260,000 (-11.1%) $344,783 (-10.5%) 0.00 99
    2023-01-01 $271,174 (6.6%) $338,188 (-3.3%) 0.00 90
    2023-02-01 $264,924 (-7.7%) $341,368 (-10.9%) 0.00 81
    2023-03-01 $257,500 (-8.2%) $351,098 (-22.0%) 0.00 75
    2023-04-01 $257,900 (-2.3%) $367,224 (8.5%) 0.00 72
    2023-05-01 $254,575 (0.4%) $363,985 (16.1%) 0.00 74
    2023-06-01 $305,500 (18.1%) $375,122 (-1.9%) 0.00 89
    2023-07-01 $295,000 (18.7%) $368,237 (-6.3%) 0.00 91
    2023-08-01 $292,450 (2.2%) $351,082 (-13.5%) 0.00 98
    2023-09-01 $269,500 (-5.0%) $325,894 (-19.8%) 0.00 107
    2023-10-01 $275,000 (-1.6%) $321,549 (-13.1%) 0.00 122
    2023-11-01 $282,973 (-5.4%) $332,007 (-13.7%) 0.00 102
    2023-12-01 $280,000 (7.7%) $323,193 (-6.3%) 0.00 107
    2024-01-01 $275,000 (1.4%) $312,367 (-7.6%) 0.00 108
    2024-02-01 $279,475 (5.5%) $323,283 (-5.3%) 0.00 109
    2024-03-01 $278,950 (8.3%) $347,898 (-0.9%) 0.00 111
    2024-04-01 $273,631 (6.1%) $333,245 (-9.3%) 0.00 119
    2024-05-01 $276,000 (8.4%) $353,749 (-2.8%) 0.00 131
    2024-06-01 $279,900 (-8.4%) $327,071 (-12.8%) 0.00 146
    2024-07-01 $296,938 (0.7%) $329,343 (-10.6%) 0.00 175
    2024-08-01 $299,900 (2.6%) $327,956 (-6.6%) 0.00 172
    2024-09-01 $294,450 (9.3%) $325,639 (-0.1%) 0.00 179
    2024-10-01 $284,875 (3.6%) $322,435 (0.3%) 0.00 183
    2024-11-01 $289,000 (2.1%) $325,245 (-2.0%) 0.00 179
    Nacogdoches's median listing price for 2024-11-01 was $289,000, a difference of $6,027 (2.1%) versus the prior year and $4,125 versus the prior month.

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

    Nacogdoches's average listing price for 2024-11-01 was $325,245, a difference of $-6,762 (-2.0%) versus the prior year and $2,810 versus the prior month.

    For the 2024-11-01 period, Nacogdoches had 179 MLS listings, a difference of -4 listings (-2%) versus the prior month and 77 listings (75%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Nacogdoches (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 1,955 sqft
    2018-02-01 0 days 1,950 sqft
    2018-03-01 0 days 2,056 sqft
    2018-04-01 0 days 2,001 sqft
    2018-05-01 0 days 1,962 sqft
    2018-06-01 0 days 2,050 sqft
    2018-07-01 0 days 2,072 sqft
    2018-08-01 0 days 2,067 sqft
    2018-09-01 0 days 2,089 sqft
    2018-10-01 0 days 2,125 sqft
    2018-11-01 0 days 2,169 sqft
    2018-12-01 0 days 2,080 sqft
    2019-01-01 0 days 2,080 sqft
    2019-02-01 0 days 2,077 sqft
    2019-03-01 0 days 2,134 sqft
    2019-04-01 0 days 2,140 sqft
    2019-05-01 0 days 2,181 sqft
    2019-06-01 0 days 2,173 sqft
    2019-07-01 0 days 2,108 sqft
    2019-08-01 0 days 2,127 sqft
    2019-09-01 0 days 2,169 sqft
    2019-10-01 0 days 2,227 sqft
    2019-11-01 0 days 2,243 sqft
    2019-12-01 0 days 2,200 sqft
    2020-01-01 0 days 2,190 sqft
    2020-02-01 0 days 2,092 sqft
    2020-03-01 0 days 1,989 sqft
    2020-04-01 0 days 2,223 sqft
    2020-05-01 0 days 2,200 sqft
    2020-06-01 0 days 2,323 sqft
    2020-07-01 0 days 2,443 sqft
    2020-08-01 0 days 2,478 sqft
    2020-09-01 0 days 2,403 sqft
    2020-10-01 0 days 2,197 sqft
    2020-11-01 0 days 2,094 sqft
    2020-12-01 0 days 1,968 sqft
    2021-01-01 0 days 2,094 sqft
    2021-02-01 0 days 2,044 sqft
    2021-03-01 0 days 2,060 sqft
    2021-04-01 0 days 2,155 sqft
    2021-05-01 0 days 2,073 sqft
    2021-06-01 0 days 2,001 sqft
    2021-07-01 0 days 2,260 sqft
    2021-08-01 0 days 2,278 sqft
    2021-09-01 0 days 2,220 sqft
    2021-10-01 0 days 2,222 sqft
    2021-11-01 0 days 2,282 sqft
    2021-12-01 0 days 2,323 sqft
    2022-01-01 0 days 2,029 sqft
    2022-02-01 0 days 2,265 sqft
    2022-03-01 0 days 2,297 sqft
    2022-04-01 0 days 2,003 sqft
    2022-05-01 0 days 1,881 sqft
    2022-06-01 0 days 1,909 sqft
    2022-07-01 0 days 2,020 sqft
    2022-08-01 0 days 1,875 sqft
    2022-09-01 0 days 1,858 sqft
    2022-10-01 0 days 1,856 sqft
    2022-11-01 0 days 1,883 sqft
    2022-12-01 0 days 1,848 sqft
    2023-01-01 0 days 1,865 sqft
    2023-02-01 0 days 1,866 sqft
    2023-03-01 0 days 1,861 sqft
    2023-04-01 0 days 1,880 sqft
    2023-05-01 0 days 1,871 sqft
    2023-06-01 0 days 1,944 sqft
    2023-07-01 0 days 1,997 sqft
    2023-08-01 0 days 1,969 sqft
    2023-09-01 0 days 1,894 sqft
    2023-10-01 0 days 1,893 sqft
    2023-11-01 0 days 1,917 sqft
    2023-12-01 0 days 1,857 sqft
    2024-01-01 0 days 1,882 sqft
    2024-02-01 0 days 1,867 sqft
    2024-03-01 0 days 1,832 sqft
    2024-04-01 0 days 1,815 sqft
    2024-05-01 0 days 1,970 sqft
    2024-06-01 0 days 1,889 sqft
    2024-07-01 0 days 1,932 sqft
    2024-08-01 0 days 1,912 sqft
    2024-09-01 0 days 1,891 sqft
    2024-10-01 0 days 1,881 sqft
    2024-11-01 0 days 1,875 sqft
    Nacogdoches's median listing age (time on market) for 2024-11-01 was 0 days.

    Nacogdoches's median square footage for active listings during the 2024-11-01 period was 1,875 sqft. One year prior, the average listing was 1,917 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.