Pahrump VA Loan Rates, Closing Costs & Stats

Pahrump, NV

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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.

    Pahrump's 65 lenders originated 295 VA loans during 2024. The total origination value was $99,895,000, with an average VA loan value of $338,627.

    Pahrump VA Loans, 30 Year Fixed Rates

    30 Year VA mortgages in Pahrump averaged 0.24% for the week of 2025-06-20, compared to the national average (all VA variants) of 0% for the same period.

    Pahrump's average VA mortgage closing costs are $6,366.

    The average rate for the prior week (2025-06-13) was 6.69% and one month ago for the week of 2025-05-16, the average rate was 6.95%.

    The average rate one year ago was 6.75%.

    For refis of the same type during the week of 2025-06-20, the average rate was -0.13%.

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

    Pahrump 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 Pahrump level.

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    Mortgage Research Center, LLC 37 6.52% $7,518
    UNITED WHOLESALE MORTGAGE, LLC 36 6.19% $9,036
    South Pacific Financial Corporation 18 5.42% $6,670
    GUILD MORTGAGE COMPANY 17 6.49% $7,865
    QUICKEN LOANS, LLC 15 5.76% $11,674
    FREEDOM MORTGAGE CORPORATION 15 6.05% $8,405
    LOANDEPOT.COM, LLC 10 6.12% $8,366
    NAVY FEDERAL CREDIT UNION 7 6.14% $6,057
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 6 6.40% $6,863
    SECURITYNATIONAL MORTGAGE COMPANY 6 6.35% $11,890
    CROSSCOUNTRY MORTGAGE, LLC 6 6.41% $12,198
    VILLAGE CAPITAL MORTGAGE 6 5.71% $3,600
    CLEARPATH LENDING 5 5.42% $9,581
    AXIA FINANCIAL, LLC 5 6.80% $7,951
    GUARANTEED RATE, INC. 5 6.40% $8,569
    Mr. Cooper ( Nationstar Mortgage ) 5 6.13% $7,430
    LEADERONE FINANCIAL CORPORATION 4 7.13% $9,594
    BROKER SOLUTIONS, INC. 4 6.87% $6,072
    NEWREZ LLC 4 6.09% $5,753
    MORTGAGE SOLUTIONS OF COLORADO, LLC 4 7.25% $4,917
    CMG MORTGAGE, INC. 4 6.50% $8,913
    HOMEAMERICAN MORTGAGE CORPORATION 3 4.71% $4,932
    USAA Federal Savings Bank 3 6.42% $4,765
    SUN WEST MORTGAGE COMPANY, INC. 3 6.38% $13,029
    NEW DAY FINANCIAL, LLC 3 7.29% $16,100
    DHI MORTGAGE COMPANY, LTD. 3 5.32% $5,264
    DIRECT MORTGAGE LOANS, LLC 2 7.13% $6,765
    JPMorgan Chase Bank 2 6.19% $5,786
    LAKEVIEW LOAN SERVICING, LLC 2 6.00% $3,442
    Magnolia Bank 2 5.75% $13,044
    MOVEMENT MORTGAGE, LLC 2 6.69% $5,931
    MUTUAL OF OMAHA MORTGAGE, INC. 2 6.75% $7,941
    PENNYMAC LOAN SERVICES, LLC 2 5.99% $8,318
    Performance Financial, Inc. 2 6.31% $4,748
    Prosperity Home Mortgage, LLC 2 5.75% $7,502
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 2 6.50% $4,620
    The Loan Store, Inc. 2 6.06% $13,524
    Equity Prime Mortgage LLC 2 6.38% $6,711
    EVERGREEN MONEYSOURCE MORTGAGE COMPANY 2 6.50% $5,350
    NATIONWIDE MORTGAGE BANKERS, INC. 1 7.25% $26,667
    Carrington Mortgage Services, LLC 1 6.25% $7,315
    GENEVA FINANCIAL, LLC 1 6.75% $15,634
    Gateway First Bank 1 6.63% $7,629
    Paramount Residential Mortgage Group, Inc. 1 6.13% $5,192
    First Federal Bank 1 6.25% $2,242
    PENTAGON FEDERAL CREDIT UNION 1 5.75% $19,722
    Umpqua Bank 1 6.38% $7,777
    PHH Mortgage Corporation 1 5.49% $1,215
    PLANET HOME LENDING, LLC 1 6.88% $5,862
    PREMIER MORTGAGE RESOURCES, L.L.C. 1 7.75% $9,883
    UNITED MORTGAGE CORP 1 6.63% $9,471
    Franklin Loan Corporation 1 6.13% $16,105
    RESIDENTIAL WHOLESALE MORTGAGE, INC. 1 5.63% $6,961
    INTERCAP LENDING INC. 1 5.63% $4,517
    AMERICAN FINANCIAL RESOURCES, INC. 1 6.50% $2,365
    AMERICAN PACIFIC MORTGAGE CORPORATION 1 7.13% $5,410
    LAND HOME FINANCIAL SERVICES, INC. 1 5.75% $20,636
    HOMESIDE FINANCIAL, LLC 1 6.25% $7,221
    DATA MORTGAGE, INC. 1 6.13% $8,507
    Flagstar Bank, FSB 1 6.00% $21,294
    AMERICA FIRST 1 5.13% $6,129
    AMERICAN FINANCIAL NETWORK, INC. 1 6.25% $14,257
    The Federal Savings Bank 1 6.00% $26,296
    ZILLOW HOME LOANS, LLC 1 6.50% $21,376
    The Huntington National Bank 1 6.88% $3,107

    The top Pahrump VA lender as defined by loan originations is Mortgage Research Center, LLC, with 37 VA loans originated. Their average total fees are $7,518, which is $1,519 lower than the next largest lender, UNITED WHOLESALE MORTGAGE, LLC.

    The lowest fee Pahrump VA lenders (with over 10 loans originated) are South Pacific Financial Corporation ($6,670), Mortgage Research Center, LLC ($7,518), GUILD MORTGAGE COMPANY ($7,865), LOANDEPOT.COM, LLC ($8,366) and FREEDOM MORTGAGE CORPORATION ($8,405).

    The lowest rate Pahrump VA lenders (with over 10 loans originated) are South Pacific Financial Corporation (5.42%), QUICKEN LOANS, LLC (5.76%), FREEDOM MORTGAGE CORPORATION (6.05%), LOANDEPOT.COM, LLC (6.12%) and UNITED WHOLESALE MORTGAGE, LLC (6.19%).

    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.