Sebastian VA Loan Rates, Closing Costs & Stats

Sebastian-Vero Beach, FL

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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.

    Sebastian's 73 lenders originated 324 VA loans during 2024. The total origination value was $119,720,000, with an average VA loan value of $369,506.

    Sebastian VA Loans, 30 Year Fixed Rates

    30 Year VA mortgages in Sebastian averaged 6.3% for the week of 2025-04-04, compared to the national average (all VA variants) of 6.06% for the same period.

    Sebastian's average VA mortgage closing costs are $6,748.

    The average rate for the prior week (2025-03-28) was 6.52% and one month ago for the week of 2025-02-28, the average rate was 6.8%.

    The average rate one year ago was 6.81%.

    For refis of the same type during the week of 2025-04-04, the average rate was 6.1%.

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

    Sebastian 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 Sebastian level.

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    UNITED WHOLESALE MORTGAGE, LLC 38 5.97% $9,182
    Mortgage Research Center, LLC 38 6.46% $7,815
    QUICKEN LOANS, LLC 24 6.06% $14,040
    FREEDOM MORTGAGE CORPORATION 16 6.34% $9,716
    NEWREZ LLC 15 6.06% $10,814
    DHI MORTGAGE COMPANY, LTD. 10 5.34% $5,573
    GUILD MORTGAGE COMPANY 9 6.31% $8,004
    NAVY FEDERAL CREDIT UNION 8 5.69% $5,583
    NEW DAY FINANCIAL, LLC 7 7.49% $12,650
    USAA Federal Savings Bank 7 6.29% $7,416
    BAYSHORE MORTGAGE FUNDING, LLC 6 6.46% $14,239
    PLANET HOME LENDING, LLC 6 6.44% $5,155
    CROSSCOUNTRY MORTGAGE, LLC 6 6.55% $9,899
    PULTE MORTGAGE LLC 5 6.60% $6,030
    CONTOUR MORTGAGE CORPORATION 5 6.88% $10,302
    Mid-Continent Funding, Inc. 4 6.22% $4,708
    NVR Mortgage Finance, Inc. 4 6.22% $3,692
    PENNYMAC LOAN SERVICES, LLC 4 5.91% $15,839
    SUN WEST MORTGAGE COMPANY, INC. 4 6.06% $11,614
    Flagstar Bank, FSB 4 6.25% $12,584
    VILLAGE CAPITAL MORTGAGE 4 5.72% $4,408
    LAKEVIEW LOAN SERVICING, LLC 3 5.70% $4,647
    LOANDEPOT.COM, LLC 3 6.25% $12,465
    THE MORTGAGE FIRM, INC. 3 6.54% $5,637
    TOTAL MORTGAGE SERVICES, LLC 3 6.75% $7,636
    AMERICAN PACIFIC MORTGAGE CORPORATION 3 6.88% $10,718
    MOVEMENT MORTGAGE, LLC 2 6.25% $6,846
    The Federal Savings Bank 2 6.50% $16,781
    BROKER SOLUTIONS, INC. 2 7.25% $9,541
    Lakeview Community Capital, LLC 2 5.25% $3,438
    ZILLOW HOME LOANS, LLC 2 6.50% $7,452
    UNION HOME MORTGAGE CORP. 2 6.00% $13,858
    EVERETT FINANCIAL, INC. 2 6.63% $9,758
    Equity Prime Mortgage LLC 2 8.25% $19,084
    CLEARPATH LENDING 2 5.75% $6,437
    M&T Bank 2 6.25% $10,909
    South State Bank 2 6.38% $12,246
    Magnolia Bank 1 6.50% $21,249
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 1 5.75% $4,113
    Armed Forces Bank 1 5.63% $7,716
    Barrington Bank & Trust Company, N.A. 1 7.25% $6,669
    CANOPY MORTGAGE, LLC 1 5.75% $16,864
    CARDINAL FINANCIAL 1 6.25% $8,103
    Carrington Mortgage Services, LLC 1 6.63% $11,723
    DYBN FINANCIAL CORP. 1 6.75% $4,682
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 1 6.25% $16,352
    FIRST COMMUNITY MORTGAGE, INC. 1 6.99% $4,695
    First Federal Bank 1 6.13% $22,688
    GENEVA FINANCIAL, LLC 1 7.00% $0
    GUARANTEED RATE, INC. 1 5.99% $16,273
    HARTFORD FUNDING, LTD. 1 5.75% $7,947
    HOMEBRIDGE FINANCIAL SERVICES, INC. 1 6.75% $2,269
    HOMESIDE FINANCIAL, LLC 1 6.38% $26,534
    INTERCOASTAL MORTGAGE COMPANY 1 5.50% $22,292
    JMAC LENDING, INC. 1 6.25% $8,217
    JPMorgan Chase Bank 1 6.13% $5,115
    LEADERONE FINANCIAL CORPORATION 1 5.75% $8,364
    LOANPAL, LLC 1 6.38% $17,169
    AMERICAN FINANCIAL RESOURCES, INC. 1 6.75% $7,371
    MUTUAL OF OMAHA MORTGAGE, INC. 1 6.00% $24,113
    NBKC BANK 1 5.99% $9,723
    Network Funding, L.P. 1 6.00% $20,720
    NORTHPOINT MORTGAGE, INC. 1 6.25% $3,869
    OCEANSIDE MORTGAGE COMPANY 1 6.13% $0
    OCMBC, INC. 1 5.88% $12,211
    PLAZA HOME MORTGAGE, INC. 1 6.00% $11,343
    PRIMARY RESIDENTIAL MORTGAGE, INC. 1 6.13% $7,801
    PRIMELENDING, A PLAINSCAPITAL COMPANY 1 6.25% $5,258
    Prosperity Home Mortgage, LLC 1 6.49% $41,417
    PROVINCE MORTGAGE ASSOCIATES, INC. 1 6.63% $17,524
    RELIANCE FIRST CAPITAL, LLC 1 6.75% $17,434
    Renasant Bank 1 5.75% $7,399
    Truist 1 5.50% $17,871

    The top Sebastian VA lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with 38 VA loans originated. Their average total fees are $9,182, which is $1,367 higher than the next largest lender, Mortgage Research Center, LLC.

    The lowest fee Sebastian VA lenders (with over 10 loans originated) are DHI MORTGAGE COMPANY, LTD. ($5,573), Mortgage Research Center, LLC ($7,815), UNITED WHOLESALE MORTGAGE, LLC ($9,182), FREEDOM MORTGAGE CORPORATION ($9,716) and NEWREZ LLC ($10,814).

    The lowest rate Sebastian VA lenders (with over 10 loans originated) are DHI MORTGAGE COMPANY, LTD. (5.34%), UNITED WHOLESALE MORTGAGE, LLC (5.97%), QUICKEN LOANS, LLC (6.06%), NEWREZ LLC (6.06%) and FREEDOM MORTGAGE CORPORATION (6.34%).

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Sebastian (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 $353,500 (1.0%) $705,701 (-0.3%) 1.31 1,472
    2018-02-01 $349,500 (0.4%) $701,692 (-0.3%) 1.27 1,565
    2018-03-01 $350,000 (1.3%) $703,852 (0.6%) 1.23 1,663
    2018-04-01 $355,000 (0.0%) $708,499 (0.3%) 1.20 1,671
    2018-05-01 $340,000 (-2.4%) $695,261 (1.7%) 1.14 1,613
    2018-06-01 $334,900 (-4.2%) $677,644 (-6.0%) 1.12 1,566
    2018-07-01 $336,464 (-2.5%) $699,982 (0.3%) 1.12 1,477
    2018-08-01 $337,450 (-2.8%) $710,533 (3.6%) 1.13 1,457
    2018-09-01 $340,000 (-2.6%) $706,407 (-0.9%) 1.14 1,484
    2018-10-01 $338,934 (-2.8%) $694,356 (-3.6%) 1.15 1,579
    2018-11-01 $339,675 (-3.0%) $685,758 (-7.0%) 1.15 1,695
    2018-12-01 $339,000 (-3.1%) $677,364 (-5.2%) 1.17 1,760
    2019-01-01 $344,513 (-2.5%) $679,044 (-3.8%) 1.19 1,777
    2019-02-01 $348,900 (-0.2%) $665,615 (-5.1%) 1.18 1,918
    2019-03-01 $342,957 (-2.0%) $661,243 (-6.1%) 1.12 1,921
    2019-04-01 $338,057 (-4.8%) $667,144 (-5.8%) 1.07 1,879
    2019-05-01 $336,223 (-1.1%) $678,622 (-2.4%) 1.05 1,794
    2019-06-01 $337,500 (0.8%) $688,976 (1.7%) 1.05 1,625
    2019-07-01 $340,000 (1.1%) $693,171 (-1.0%) 1.06 1,554
    2019-08-01 $344,545 (2.1%) $694,030 (-2.3%) 1.09 1,507
    2019-09-01 $347,614 (2.2%) $695,681 (-1.5%) 1.11 1,465
    2019-10-01 $354,500 (4.6%) $701,540 (1.0%) 1.14 1,436
    2019-11-01 $340,000 (0.1%) $658,081 (-4.0%) 1.11 1,572
    2019-12-01 $341,816 (0.8%) $651,427 (-3.8%) 1.14 1,599
    2020-01-01 $341,038 (-1.0%) $654,625 (-3.6%) 1.14 1,631
    2020-02-01 $340,000 (-2.6%) $652,731 (-1.9%) 1.11 1,662
    2020-03-01 $338,000 (-1.5%) $649,553 (-1.8%) 1.06 1,673
    2020-04-01 $329,975 (-2.4%) $635,833 (-4.7%) 1.03 1,696
    2020-05-01 $329,450 (-2.0%) $640,543 (-5.6%) 1.00 1,612
    2020-06-01 $330,916 (-2.0%) $654,787 (-5.0%) 0.97 1,503
    2020-07-01 $339,000 (-0.3%) $645,812 (-6.8%) 0.98 1,401
    2020-08-01 $347,950 (1.0%) $676,831 (-2.5%) 1.00 1,233
    2020-09-01 $343,600 (-1.2%) $689,217 (-0.9%) 0.98 1,094
    2020-10-01 $347,000 (-2.1%) $696,722 (-0.7%) 0.99 1,015
    2020-11-01 $348,750 (2.6%) $704,238 (7.0%) 1.02 997
    2020-12-01 $348,500 (2.0%) $717,464 (10.1%) 1.04 927
    2021-01-01 $349,900 (2.6%) $703,956 (7.5%) 1.04 827
    2021-02-01 $344,000 (1.2%) $724,965 (11.1%) 1.00 656
    2021-03-01 $349,450 (3.4%) $741,170 (14.1%) 0.99 550
    2021-04-01 $366,250 (11.0%) $776,277 (22.1%) 0.99 498
    2021-05-01 $396,700 (20.4%) $860,422 (34.3%) 1.05 401
    2021-06-01 $389,950 (17.8%) $921,349 (40.7%) 1.03 383
    2021-07-01 $362,123 (6.8%) $886,158 (37.2%) 0.96 395
    2021-08-01 $369,000 (6.1%) $885,784 (30.9%) 0.98 406
    2021-09-01 $371,088 (8.0%) $823,952 (19.6%) 0.99 439
    2021-10-01 $398,500 (14.8%) $825,232 (18.4%) 1.06 407
    2021-11-01 $404,000 (15.8%) $903,815 (28.3%) 1.08 395
    2021-12-01 $431,000 (23.7%) $988,075 (37.7%) 1.17 360
    2022-01-01 $429,000 (22.6%) $964,474 (37.0%) 1.16 330
    2022-02-01 $402,000 (16.9%) $1,006,260 (38.8%) 1.05 337
    2022-03-01 $399,200 (14.2%) $966,311 (30.4%) 1.00 343
    2022-04-01 $420,575 (14.8%) $890,652 (14.7%) 1.00 387
    2022-05-01 $427,235 (7.7%) $909,406 (5.7%) 0.98 465
    2022-06-01 $427,000 (9.5%) $835,009 (-9.4%) 0.95 572
    2022-07-01 $425,000 (17.4%) $864,450 (-2.5%) 0.96 723
    2022-08-01 $414,988 (12.5%) $838,383 (-5.4%) 0.96 795
    2022-09-01 $417,450 (12.5%) $838,614 (1.8%) 0.98 818
    2022-10-01 $430,000 (7.9%) $859,800 (4.2%) 1.01 821
    2022-11-01 $431,700 (6.9%) $853,291 (-5.6%) 1.04 919
    2022-12-01 $429,900 (-0.3%) $883,231 (-10.6%) 1.06 954
    2023-01-01 $437,225 (1.9%) $881,207 (-8.6%) 1.08 997
    2023-02-01 $434,625 (8.1%) $994,959 (-1.1%) 1.05 1,048
    2023-03-01 $435,750 (9.2%) $1,042,899 (7.9%) 1.03 1,029
    2023-04-01 $446,000 (6.1%) $1,064,617 (19.5%) 1.04 1,008
    2023-05-01 $444,750 (4.1%) $966,890 (6.3%) 1.01 916
    2023-06-01 $442,000 (3.5%) $984,712 (17.9%) 0.99 892
    2023-07-01 $450,000 (5.9%) $1,036,013 (19.9%) 1.02 885
    2023-08-01 $449,225 (8.3%) $1,037,554 (23.8%) 1.03 900
    2023-09-01 $459,000 (10.0%) $1,056,778 (26.0%) 1.07 939
    2023-10-01 $467,450 (8.7%) $1,042,019 (21.2%) 1.10 1,057
    2023-11-01 $469,000 (8.6%) $1,025,264 (20.2%) 1.12 1,177
    2023-12-01 $475,000 (10.5%) $1,018,127 (15.3%) 1.16 1,261
    2024-01-01 $482,000 (10.2%) $1,007,183 (14.3%) 1.18 1,372
    2024-02-01 $475,000 (9.3%) $991,392 (-0.4%) 1.14 1,531
    2024-03-01 $460,000 (5.6%) $975,144 (-6.5%) 1.08 1,608
    2024-04-01 $459,725 (3.1%) $952,258 (-10.6%) 1.07 1,620
    2024-05-01 $459,950 (3.4%) $956,279 (-1.1%) 1.05 1,576
    2024-06-01 $450,000 (1.8%) $893,373 (-9.3%) 1.02 1,595
    2024-07-01 $450,000 (0.0%) $898,921 (-13.2%) 1.03 1,544
    2024-08-01 $443,950 (-1.2%) $877,569 (-15.4%) 1.03 1,466
    2024-09-01 $447,000 (-2.6%) $883,159 (-16.4%) 1.05 1,494
    2024-10-01 $449,450 (-3.9%) $899,560 (-13.7%) 1.06 1,529
    2024-11-01 $444,450 (-5.2%) $909,061 (-11.3%) 1.07 1,656
    2024-12-01 $449,000 (-5.5%) $951,916 (-6.5%) 1.12 1,715
    2025-01-01 $450,000 (-6.6%) $968,945 (-3.8%) 1.12 1,836
    2025-02-01 $450,000 (-5.3%) $968,030 (-2.4%) 1.09 1,969
    2025-03-01 $449,900 (-2.2%) $930,600 (-4.6%) 0.00 2,045
    Sebastian's median listing price for 2025-03-01 was $449,900, a difference of $-10,100 (-2.2%) versus the prior year and $-100 versus the prior month.

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

    Sebastian's average listing price for 2025-03-01 was $930,600, a difference of $-44,544 (-4.6%) versus the prior year and $-37,430 versus the prior month.

    For the 2025-03-01 period, Sebastian had 2,045 MLS listings, a difference of 76 listings (4%) versus the prior month and 437 listings (27%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Sebastian (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 81 days 2,058 sqft
    2018-02-01 70 days 2,059 sqft
    2018-03-01 64 days 2,050 sqft
    2018-04-01 73 days 2,078 sqft
    2018-05-01 79 days 2,038 sqft
    2018-06-01 85 days 2,038 sqft
    2018-07-01 88 days 2,049 sqft
    2018-08-01 89 days 2,043 sqft
    2018-09-01 84 days 2,046 sqft
    2018-10-01 79 days 2,042 sqft
    2018-11-01 78 days 2,038 sqft
    2018-12-01 79 days 2,018 sqft
    2019-01-01 86 days 2,004 sqft
    2019-02-01 78 days 2,005 sqft
    2019-03-01 77 days 1,991 sqft
    2019-04-01 79 days 1,981 sqft
    2019-05-01 81 days 1,961 sqft
    2019-06-01 89 days 1,970 sqft
    2019-07-01 92 days 1,975 sqft
    2019-08-01 89 days 1,975 sqft
    2019-09-01 88 days 1,978 sqft
    2019-10-01 89 days 1,980 sqft
    2019-11-01 82 days 1,914 sqft
    2019-12-01 76 days 1,900 sqft
    2020-01-01 80 days 1,901 sqft
    2020-02-01 82 days 1,900 sqft
    2020-03-01 74 days 1,905 sqft
    2020-04-01 83 days 1,908 sqft
    2020-05-01 95 days 1,900 sqft
    2020-06-01 101 days 1,900 sqft
    2020-07-01 98 days 1,900 sqft
    2020-08-01 89 days 1,900 sqft
    2020-09-01 93 days 1,900 sqft
    2020-10-01 83 days 1,900 sqft
    2020-11-01 67 days 1,900 sqft
    2020-12-01 67 days 1,900 sqft
    2021-01-01 69 days 1,900 sqft
    2021-02-01 50 days 1,851 sqft
    2021-03-01 45 days 1,848 sqft
    2021-04-01 42 days 1,861 sqft
    2021-05-01 46 days 1,865 sqft
    2021-06-01 45 days 1,833 sqft
    2021-07-01 46 days 1,770 sqft
    2021-08-01 47 days 1,766 sqft
    2021-09-01 47 days 1,729 sqft
    2021-10-01 45 days 1,815 sqft
    2021-11-01 47 days 1,819 sqft
    2021-12-01 52 days 1,838 sqft
    2022-01-01 49 days 1,868 sqft
    2022-02-01 35 days 1,757 sqft
    2022-03-01 34 days 1,693 sqft
    2022-04-01 33 days 1,700 sqft
    2022-05-01 35 days 1,700 sqft
    2022-06-01 36 days 1,709 sqft
    2022-07-01 37 days 1,700 sqft
    2022-08-01 48 days 1,717 sqft
    2022-09-01 58 days 1,708 sqft
    2022-10-01 65 days 1,788 sqft
    2022-11-01 64 days 1,794 sqft
    2022-12-01 64 days 1,780 sqft
    2023-01-01 71 days 1,789 sqft
    2023-02-01 61 days 1,805 sqft
    2023-03-01 57 days 1,821 sqft
    2023-04-01 63 days 1,828 sqft
    2023-05-01 65 days 1,780 sqft
    2023-06-01 66 days 1,783 sqft
    2023-07-01 71 days 1,811 sqft
    2023-08-01 65 days 1,828 sqft
    2023-09-01 64 days 1,828 sqft
    2023-10-01 60 days 1,819 sqft
    2023-11-01 58 days 1,813 sqft
    2023-12-01 65 days 1,770 sqft
    2024-01-01 70 days 1,786 sqft
    2024-02-01 65 days 1,778 sqft
    2024-03-01 63 days 1,780 sqft
    2024-04-01 70 days 1,795 sqft
    2024-05-01 73 days 1,786 sqft
    2024-06-01 76 days 1,749 sqft
    2024-07-01 79 days 1,750 sqft
    2024-08-01 79 days 1,760 sqft
    2024-09-01 79 days 1,761 sqft
    2024-10-01 78 days 1,762 sqft
    2024-11-01 73 days 1,768 sqft
    2024-12-01 76 days 1,770 sqft
    2025-01-01 75 days 1,773 sqft
    2025-02-01 75 days 1,782 sqft
    2025-03-01 0 days 1,751 sqft
    Sebastian's median listing age (time on market) for 2025-03-01 was 0 days. This is -100% shorter than the same period one year ago.

    Sebastian's median square footage for active listings during the 2025-03-01 period was 1,751 sqft. One year prior, the average listing was 1,780 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.