Roseburg VA Loan Rates, Closing Costs & Stats
Roseburg, OR
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
0.38%
for the week of 2024-11-29, compared to the national average (all VA variants) of
0% for the same period.
Roseburg's average VA mortgage closing costs are $5,817.
The average rate for the prior week (2024-11-22) was
6.65% and
one month ago for the week of 2024-10-25, the
average rate was 6.55%.
The average rate one year ago was 6.89%.
For refis of the same type during the week of 2024-11-29, the average rate
was -0.1%.
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.
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. LouisDate | 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 |
2024-04-01 | $402,000 (-10.7%) | $554,023 (-9.9%) | 0.00 | 261 |
2024-05-01 | $422,475 (-5.9%) | $566,628 (-5.7%) | 0.00 | 281 |
2024-06-01 | $435,000 (-3.3%) | $568,571 (-7.1%) | 0.00 | 344 |
2024-07-01 | $446,175 (2.2%) | $558,320 (-8.9%) | 0.00 | 352 |
2024-08-01 | $444,450 (2.5%) | $562,954 (-8.5%) | 0.00 | 357 |
2024-09-01 | $440,938 (5.6%) | $554,219 (-6.1%) | 0.00 | 371 |
2024-10-01 | $439,975 (10.2%) | $558,065 (-3.6%) | 0.00 | 358 |
Roseburg's median listing price comes in at 0% of the national average.
Roseburg's average listing price for 2024-10-01 was $558,065, a difference of $-21,108 (-3.6%) versus the prior year and $3,846 versus the prior month.
For the 2024-10-01 period, Roseburg had 358 MLS listings, a difference of -13 listings (-4%) versus the prior month and 55 listings (18%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - Roseburg (CBSA) retrieved from FRED, Federal Reserve Bank of St. LouisDate | 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 |
2024-04-01 | 0 days | 1,730 sqft |
2024-05-01 | 0 days | 1,813 sqft |
2024-06-01 | 0 days | 1,800 sqft |
2024-07-01 | 0 days | 1,835 sqft |
2024-08-01 | 0 days | 1,848 sqft |
2024-09-01 | 0 days | 1,833 sqft |
2024-10-01 | 0 days | 1,840 sqft |
Roseburg's median square footage for active listings during the 2024-10-01 period was 1,840 sqft. One year prior, the average listing was 1,743 sqft.