Roseburg VA Loan Rates, Closing Costs & Stats

Roseburg, OR

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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.

    Roseburg's 53 lenders originated 218 VA loans during 2023. The total origination value was $71,630,000, with an average VA loan value of $328,578.

    Roseburg VA Loans, 30 Year Fixed Rates

    30 Year VA mortgages in Roseburg averaged 6.94% for the week of 2024-04-19, compared to the national average (all VA variants) of 6.758% for the same period.

    Roseburg's average VA mortgage closing costs are $5,817.

    The average rate for the prior week (2024-04-12) was 6.77% and one month ago for the week of 2024-03-15, the average rate was 6.63%.

    The average rate one year ago was 6.42%.

    For refis of the same type during the week of 2024-04-19, the average rate was 6.96%.

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

    Roseburg 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 Roseburg level.

    Name # of Loans 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
    UNITED WHOLESALE MORTGAGE, LLC 28 6.33% $7,414
    Mortgage Research Center, LLC 22 6.80% $4,783
    NEWREZ LLC 13 6.40% $9,610
    QUICKEN LOANS, LLC 13 6.10% $11,823
    GoPrime Mortgage, Inc. 11 6.83% $11,477
    LOANDEPOT.COM, LLC 10 6.25% $13,744
    CROSSCOUNTRY MORTGAGE, LLC 8 6.66% $6,970
    ROGUE 7 6.63% $8,158
    SUMMIT FUNDING, INC. 7 6.66% $3,663
    FREEDOM MORTGAGE CORPORATION 6 6.29% $12,881
    Century Mortgage Company DBA Century Lending Company 6 6.39% $12,459
    Umpqua Bank 4 7.09% $7,196
    Magnolia Bank 4 6.06% $20,254
    The Federal Savings Bank 4 6.19% $16,153
    Golden Empire Mortgage, Inc. 4 6.84% $5,078
    PENNYMAC LOAN SERVICES, LLC 3 5.62% $16,604
    NEW DAY FINANCIAL, LLC 3 7.24% $13,114
    Mr. Cooper ( Nationstar Mortgage ) 3 6.04% $9,872
    USAA Federal Savings Bank 3 6.04% $8,080
    NAVY FEDERAL CREDIT UNION 3 6.17% $8,049
    GUILD MORTGAGE COMPANY 3 6.67% $13,319
    PREMIER MORTGAGE RESOURCES, L.L.C. 2 6.75% $10,067
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 2 6.25% $6,228
    PACIFIC RESIDENTIAL MORTGAGE, LLC 2 6.13% $10,998
    TWINSTAR 2 7.06% $6,340
    VILLAGE CAPITAL MORTGAGE 2 6.07% $8,395
    Nations Lending Corporation 2 6.69% $13,974
    Willamette Valley Bank 1 6.63% $0
    AMERICAN PACIFIC MORTGAGE CORPORATION 1 6.00% $12,635
    AMERISAVE MORTGAGE CORPORATION 1 6.25% $757
    Barrington Bank & Trust Company, N.A. 1 6.75% $11,046
    BELEM SERVICING LLC 1 6.63% $15,041
    BROKER SOLUTIONS, INC. 1 7.63% $8,220
    CANOPY MORTGAGE, LLC 1 7.38% $8,624
    CMG MORTGAGE, INC. 1 4.99% $18,230
    DIRECTORS MORTGAGE, INC. 1 6.63% $7,741
    Equity Prime Mortgage LLC 1 5.88% $16,500
    Flagstar Bank, FSB 1 6.75% $11,287
    MORTGAGE SOLUTIONS OF COLORADO, LLC 1 7.75% $0
    MOVEMENT MORTGAGE, LLC 1 6.25% $9,952
    NATIONS DIRECT MORTGAGE, LLC 1 6.75% $2,854
    NETWORK CAPITAL FUNDING CORPORATION 1 5.13% $9,838
    Paramount Residential Mortgage Group, Inc. 1 6.63% $3,761
    PLANET HOME LENDING, LLC 1 5.88% $9,323
    PREMIA MORTGAGE, LLC 1 5.75% $9,382
    RELIANCE FIRST CAPITAL, LLC 1 6.00% $6,956
    RESIDENTIAL BANCORP 1 6.25% $6,016
    S1L, Inc. 1 6.25% $31,033
    Sierra Pacific Mortgage Company, Inc. 1 5.50% $6,569
    SOVEREIGN LENDING GROUP INCORPORATED 1 5.25% $15,402
    SUN WEST MORTGAGE COMPANY, INC. 1 6.88% $6,845
    VERITAS FUNDING, LLC 1 6.25% $30,754
    AMERICAN FINANCIAL NETWORK, INC. 1 5.50% $14,483

    The top Roseburg VA lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with 28 VA loans originated. Their average total fees are $7,414, which is $2,631 higher than the next largest lender, Mortgage Research Center, LLC.

    The lowest fee Roseburg VA lenders (with over 10 loans originated) are Mortgage Research Center, LLC ($4,783), UNITED WHOLESALE MORTGAGE, LLC ($7,414), NEWREZ LLC ($9,610), GoPrime Mortgage, Inc. ($11,477) and QUICKEN LOANS, LLC ($11,823).

    The lowest rate Roseburg VA lenders (with over 10 loans originated) are QUICKEN LOANS, LLC (6.10%), LOANDEPOT.COM, LLC (6.25%), UNITED WHOLESALE MORTGAGE, LLC (6.33%), NEWREZ LLC (6.40%) and Mortgage Research Center, LLC (6.80%).

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Roseburg (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 $306,975 (20.4%) $449,079 (21.0%) 0.00 383
    2018-02-01 $304,950 (16.4%) $453,735 (21.7%) 0.00 392
    2018-03-01 $299,000 (4.9%) $452,392 (16.4%) 0.00 398
    2018-04-01 $323,725 (12.0%) $464,881 (15.8%) 0.00 413
    2018-05-01 $325,000 (0.0%) $465,026 (12.7%) 0.00 427
    2018-06-01 $319,000 (0.3%) $437,026 (8.2%) 0.00 495
    2018-07-01 $309,100 (-4.9%) $437,149 (-1.0%) 0.00 514
    2018-08-01 $299,950 (-3.6%) $421,719 (-3.6%) 0.00 539
    2018-09-01 $298,250 (0.1%) $418,383 (-0.8%) 0.00 531
    2018-10-01 $298,700 (2.2%) $428,014 (2.3%) 0.00 507
    2018-11-01 $299,598 (1.0%) $441,058 (0.6%) 0.00 460
    2018-12-01 $299,900 (1.7%) $448,220 (1.5%) 0.00 454
    2019-01-01 $303,748 (-1.1%) $446,084 (-0.7%) 0.00 446
    2019-02-01 $316,250 (3.7%) $452,123 (-0.4%) 0.00 437
    2019-03-01 $324,950 (8.7%) $455,448 (0.7%) 0.00 417
    2019-04-01 $324,925 (0.4%) $451,198 (-2.9%) 0.00 403
    2019-05-01 $331,150 (1.9%) $459,343 (-1.2%) 0.00 413
    2019-06-01 $335,000 (5.0%) $460,367 (5.3%) 0.00 467
    2019-07-01 $337,450 (9.2%) $457,865 (4.7%) 0.00 478
    2019-08-01 $333,500 (11.2%) $444,587 (5.4%) 0.00 480
    2019-09-01 $331,250 (11.1%) $432,897 (3.5%) 0.00 467
    2019-10-01 $327,225 (9.6%) $412,827 (-3.6%) 0.00 439
    2019-11-01 $305,000 (1.8%) $397,730 (-9.8%) 0.00 416
    2019-12-01 $291,075 (-2.9%) $382,332 (-14.7%) 0.00 392
    2020-01-01 $302,125 (-0.5%) $379,920 (-14.8%) 0.00 365
    2020-02-01 $319,450 (1.0%) $412,281 (-8.8%) 0.00 345
    2020-03-01 $319,950 (-1.5%) $414,607 (-9.0%) 0.00 349
    2020-04-01 $319,475 (-1.7%) $421,352 (-6.6%) 0.00 353
    2020-05-01 $325,000 (-1.9%) $433,791 (-5.6%) 0.00 339
    2020-06-01 $339,225 (1.3%) $448,213 (-2.6%) 0.00 317
    2020-07-01 $331,250 (-1.8%) $434,640 (-5.1%) 0.00 263
    2020-08-01 $330,000 (-1.1%) $463,403 (4.2%) 0.00 232
    2020-09-01 $340,975 (2.9%) $474,868 (9.7%) 0.00 213
    2020-10-01 $346,500 (5.9%) $494,073 (19.7%) 0.00 190
    2020-11-01 $340,950 (11.8%) $493,487 (24.1%) 0.00 162
    2020-12-01 $327,400 (12.5%) $464,241 (21.4%) 0.00 145
    2021-01-01 $320,000 (5.9%) $471,128 (24.0%) 0.00 130
    2021-02-01 $307,450 (-3.8%) $421,523 (2.2%) 0.00 110
    2021-03-01 $318,475 (-0.5%) $417,648 (0.7%) 0.00 102
    2021-04-01 $344,950 (8.0%) $447,013 (6.1%) 0.00 104
    2021-05-01 $349,950 (7.7%) $478,365 (10.3%) 0.00 123
    2021-06-01 $345,750 (1.9%) $477,531 (6.5%) 0.00 128
    2021-07-01 $350,000 (5.7%) $506,521 (16.5%) 0.00 164
    2021-08-01 $359,975 (9.1%) $502,898 (8.5%) 0.00 194
    2021-09-01 $363,725 (6.7%) $492,956 (3.8%) 0.00 210
    2021-10-01 $375,000 (8.2%) $518,790 (5.0%) 0.00 205
    2021-11-01 $369,700 (8.4%) $524,951 (6.4%) 0.00 190
    2021-12-01 $387,450 (18.3%) $546,396 (17.7%) 0.00 176
    2022-01-01 $399,000 (24.7%) $587,452 (24.7%) 0.00 137
    2022-02-01 $398,000 (29.5%) $603,940 (43.3%) 0.00 137
    2022-03-01 $409,700 (28.6%) $637,626 (52.7%) 0.00 125
    2022-04-01 $420,000 (21.8%) $600,704 (34.4%) 0.00 163
    2022-05-01 $422,500 (20.7%) $586,905 (22.7%) 0.00 187
    2022-06-01 $415,000 (20.0%) $568,297 (19.0%) 0.00 232
    2022-07-01 $407,500 (16.4%) $561,509 (10.9%) 0.00 278
    2022-08-01 $423,450 (17.6%) $566,393 (12.6%) 0.00 271
    2022-09-01 $439,225 (20.8%) $582,194 (18.1%) 0.00 282
    2022-10-01 $419,450 (11.9%) $568,160 (9.5%) 0.00 300
    2022-11-01 $414,356 (12.1%) $580,009 (10.5%) 0.00 289
    2022-12-01 $412,989 (6.6%) $588,218 (7.7%) 0.00 278
    2023-01-01 $417,000 (4.5%) $586,670 (-0.1%) 0.00 253
    2023-02-01 $419,750 (5.5%) $583,010 (-3.5%) 0.00 237
    2023-03-01 $454,500 (10.9%) $609,035 (-4.5%) 0.00 225
    2023-04-01 $450,000 (7.1%) $615,089 (2.4%) 0.00 207
    2023-05-01 $449,000 (6.3%) $601,153 (2.4%) 0.00 233
    2023-06-01 $449,850 (8.4%) $612,157 (7.7%) 0.00 252
    2023-07-01 $436,500 (7.1%) $613,058 (9.2%) 0.00 263
    2023-08-01 $433,700 (2.4%) $614,914 (8.6%) 0.00 295
    2023-09-01 $417,450 (-5.0%) $590,403 (1.4%) 0.00 314
    2023-10-01 $399,250 (-4.8%) $579,173 (1.9%) 0.00 303
    2023-11-01 $399,900 (-3.5%) $577,091 (-0.5%) 0.00 279
    2023-12-01 $385,000 (-6.8%) $558,102 (-5.1%) 0.00 264
    2024-01-01 $385,000 (-7.7%) $569,861 (-2.9%) 0.00 238
    2024-02-01 $381,500 (-9.1%) $576,813 (-1.1%) 0.00 220
    2024-03-01 $390,000 (-14.2%) $566,483 (-7.0%) 0.00 217
    Roseburg's median listing price for 2024-03-01 was $390,000, a difference of $-64,500 (-14.2%) versus the prior year and $8,500 versus the prior month.

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

    Roseburg's average listing price for 2024-03-01 was $566,483, a difference of $-42,552 (-7.0%) versus the prior year and $-10,330 versus the prior month.

    For the 2024-03-01 period, Roseburg had 217 MLS listings, a difference of -3 listings (-1%) versus the prior month and -8 listings (-4%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Roseburg (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 1,900 sqft
    2018-02-01 0 days 1,893 sqft
    2018-03-01 0 days 1,892 sqft
    2018-04-01 0 days 1,919 sqft
    2018-05-01 0 days 1,942 sqft
    2018-06-01 0 days 1,874 sqft
    2018-07-01 0 days 1,871 sqft
    2018-08-01 0 days 1,852 sqft
    2018-09-01 0 days 1,845 sqft
    2018-10-01 0 days 1,850 sqft
    2018-11-01 0 days 1,850 sqft
    2018-12-01 0 days 1,852 sqft
    2019-01-01 0 days 1,853 sqft
    2019-02-01 0 days 1,885 sqft
    2019-03-01 0 days 1,902 sqft
    2019-04-01 0 days 1,901 sqft
    2019-05-01 0 days 1,936 sqft
    2019-06-01 0 days 1,953 sqft
    2019-07-01 0 days 1,954 sqft
    2019-08-01 0 days 1,950 sqft
    2019-09-01 0 days 1,946 sqft
    2019-10-01 0 days 1,935 sqft
    2019-11-01 0 days 1,869 sqft
    2019-12-01 0 days 1,825 sqft
    2020-01-01 0 days 1,842 sqft
    2020-02-01 0 days 1,873 sqft
    2020-03-01 0 days 1,851 sqft
    2020-04-01 0 days 1,848 sqft
    2020-05-01 0 days 1,889 sqft
    2020-06-01 0 days 1,944 sqft
    2020-07-01 0 days 1,916 sqft
    2020-08-01 0 days 1,920 sqft
    2020-09-01 0 days 1,933 sqft
    2020-10-01 0 days 1,908 sqft
    2020-11-01 0 days 1,869 sqft
    2020-12-01 0 days 1,854 sqft
    2021-01-01 0 days 1,838 sqft
    2021-02-01 0 days 1,699 sqft
    2021-03-01 0 days 1,699 sqft
    2021-04-01 0 days 1,818 sqft
    2021-05-01 0 days 1,808 sqft
    2021-06-01 0 days 1,716 sqft
    2021-07-01 0 days 1,790 sqft
    2021-08-01 0 days 1,745 sqft
    2021-09-01 0 days 1,665 sqft
    2021-10-01 0 days 1,656 sqft
    2021-11-01 0 days 1,703 sqft
    2021-12-01 0 days 1,772 sqft
    2022-01-01 0 days 1,784 sqft
    2022-02-01 0 days 1,767 sqft
    2022-03-01 0 days 1,795 sqft
    2022-04-01 0 days 1,768 sqft
    2022-05-01 0 days 1,798 sqft
    2022-06-01 0 days 1,765 sqft
    2022-07-01 0 days 1,763 sqft
    2022-08-01 0 days 1,770 sqft
    2022-09-01 0 days 1,810 sqft
    2022-10-01 0 days 1,763 sqft
    2022-11-01 0 days 1,765 sqft
    2022-12-01 0 days 1,756 sqft
    2023-01-01 0 days 1,781 sqft
    2023-02-01 0 days 1,713 sqft
    2023-03-01 0 days 1,834 sqft
    2023-04-01 0 days 1,877 sqft
    2023-05-01 0 days 1,820 sqft
    2023-06-01 0 days 1,836 sqft
    2023-07-01 0 days 1,815 sqft
    2023-08-01 0 days 1,824 sqft
    2023-09-01 0 days 1,749 sqft
    2023-10-01 0 days 1,743 sqft
    2023-11-01 0 days 1,731 sqft
    2023-12-01 0 days 1,715 sqft
    2024-01-01 0 days 1,698 sqft
    2024-02-01 0 days 1,680 sqft
    2024-03-01 0 days 1,695 sqft
    Roseburg's median listing age (time on market) for 2024-03-01 was 0 days.

    Roseburg's median square footage for active listings during the 2024-03-01 period was 1,695 sqft. One year prior, the average listing was 1,834 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.