Paris VA Loan Rates, Closing Costs & Stats
Paris, TX
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.
Paris's 19 lenders originated 47 VA loans during 2024. The total origination value was $14,115,000, with an average VA loan value of $300,319.
Paris VA Loans, 30 Year Fixed Rates
30 Year VA mortgages in Paris
averaged
0.37%
for the week of 2025-06-20, compared to the national average (all VA variants) of
0% for the same period.
Paris's average VA mortgage closing costs are $5,326.
The average rate for the prior week (2025-06-13) was
6.92% and
one month ago for the week of 2025-05-16, the
average rate was 6.68%.
The average rate one year ago was 6.87%.
For refis of the same type during the week of 2025-06-20, the average rate
was 0.2%.
Paris 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 Paris level.
| Name | # of Loans | 2024 Avg. 30yFix Rate | 2024 Avg. Closing Costs |
|---|---|---|---|
| Mortgage Research Center, LLC | 9 | 6.25% | $5,300 |
| UNITED WHOLESALE MORTGAGE, LLC | 9 | 5.73% | $8,580 |
| GUARANTEED RATE, INC. | 4 | 6.11% | $9,268 |
| QUICKEN LOANS, LLC | 3 | 6.00% | $4,634 |
| Guaranty Bank & Trust, N.A. | 3 | 6.46% | $4,432 |
| FREEDOM MORTGAGE CORPORATION | 2 | 6.19% | $7,202 |
| NAVY FEDERAL CREDIT UNION | 2 | 6.31% | $1,317 |
| Nations Lending Corporation | 2 | 6.88% | $8,530 |
| PENNYMAC LOAN SERVICES, LLC | 1 | 4.75% | $8,080 |
| PLANET HOME LENDING, LLC | 1 | 5.99% | $9,753 |
| AmeriHome Mortgage Company, LLC | 1 | 5.63% | $9,390 |
| VILLAGE CAPITAL MORTGAGE | 1 | 5.75% | $7,071 |
| Barrington Bank & Trust Company, N.A. | 1 | 7.25% | $3,946 |
| EVERETT FINANCIAL, INC. | 1 | 6.75% | $3,486 |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 1 | 6.47% | $11,166 |
| FBC MORTGAGE, LLC | 1 | 5.75% | $10,504 |
| Mid-Continent Funding, Inc. | 1 | 6.75% | $8,147 |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 1 | 6.25% | $4,550 |
| Mr. Cooper ( Nationstar Mortgage ) | 1 | 6.25% | $7,458 |
The top Paris VA lender as defined by loan originations is Mortgage Research Center, LLC, with
9 VA loans originated. Their average total fees are
$5,300, which is $3,280
lower than the next largest lender,
UNITED WHOLESALE MORTGAGE, LLC.
The lowest fee Paris VA lenders (with over 10 loans originated) are
.
The lowest rate Paris VA lenders (with over 10 loans originated) are
.