Sebring VA Loan Rates, Closing Costs & Stats
SEBRING-AVON PARK, FL
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.
Sebring's 49 lenders originated 203 VA loans during 2023. The total origination value was $53,995,000, with an average VA loan value of $265,985.
Sebring VA Loans, 30 Year Fixed Rates
30 Year VA mortgages in Sebring
averaged
0.49%
for the week of 2024-11-29, compared to the national average (all VA variants) of
0% for the same period.
Sebring's average VA mortgage closing costs are $5,481.
The average rate for the prior week (2024-11-22) was
6.76% and
one month ago for the week of 2024-10-25, the
average rate was 6.26%.
The average rate one year ago was 7.4%.
For refis of the same type during the week of 2024-11-29, the average rate
was 0.1%.
Sebring 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 Sebring level.
The top Sebring VA lender as defined by loan originations is Mortgage Research Center, LLC, with
49 VA loans originated. Their average total fees are
$7,145, which is $1,155
higher than the next largest lender,
METROPLEX MORTGAGE SERVICES, INC..
The lowest fee Sebring VA lenders (with over 10 loans originated) are
METROPLEX MORTGAGE SERVICES, INC. ($5,990), Mortgage Research Center, LLC ($7,145), UNITED WHOLESALE MORTGAGE, LLC ($7,201), LEADERONE FINANCIAL CORPORATION ($9,361) and QUICKEN LOANS, LLC ($11,781).
The lowest rate Sebring VA lenders (with over 10 loans originated) are
QUICKEN LOANS, LLC (6.37%), UNITED WHOLESALE MORTGAGE, LLC (6.66%), LEADERONE FINANCIAL CORPORATION (6.69%), METROPLEX MORTGAGE SERVICES, INC. (6.70%) and Mortgage Research Center, LLC (6.72%).
Market Conditions (Median, Average Prices & Listing Count)
Realtor.com - Sebring (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 | $174,900 (1.6%) | $206,309 (-5.6%) | 0.00 | 550 |
2018-02-01 | $179,450 (2.6%) | $214,871 (-2.8%) | 0.00 | 562 |
2018-03-01 | $179,000 (2.6%) | $217,322 (-1.1%) | 0.00 | 537 |
2018-04-01 | $175,675 (0.4%) | $218,815 (-2.1%) | 0.00 | 533 |
2018-05-01 | $179,000 (2.3%) | $223,195 (-0.4%) | 0.00 | 512 |
2018-06-01 | $186,500 (4.3%) | $231,946 (2.4%) | 0.00 | 497 |
2018-07-01 | $193,350 (13.8%) | $240,071 (8.8%) | 0.00 | 504 |
2018-08-01 | $188,500 (11.4%) | $232,906 (7.9%) | 0.00 | 523 |
2018-09-01 | $185,000 (5.8%) | $222,439 (2.0%) | 0.00 | 564 |
2018-10-01 | $179,950 (5.2%) | $221,921 (2.7%) | 0.00 | 577 |
2018-11-01 | $184,950 (5.8%) | $233,047 (8.8%) | 0.00 | 595 |
2018-12-01 | $186,000 (9.5%) | $238,600 (15.9%) | 0.00 | 660 |
2019-01-01 | $185,450 (6.0%) | $238,202 (15.5%) | 0.00 | 653 |
2019-02-01 | $184,950 (3.1%) | $240,888 (12.1%) | 0.00 | 683 |
2019-03-01 | $184,943 (3.3%) | $237,751 (9.4%) | 0.00 | 670 |
2019-04-01 | $186,000 (5.9%) | $237,401 (8.5%) | 0.00 | 631 |
2019-05-01 | $185,000 (3.4%) | $235,440 (5.5%) | 0.00 | 605 |
2019-06-01 | $189,000 (1.3%) | $233,407 (0.6%) | 0.00 | 535 |
2019-07-01 | $186,225 (-3.7%) | $231,505 (-3.6%) | 0.00 | 521 |
2019-08-01 | $185,427 (-1.6%) | $230,851 (-0.9%) | 0.00 | 526 |
2019-09-01 | $182,318 (-1.5%) | $231,209 (3.9%) | 0.00 | 528 |
2019-10-01 | $179,900 (0.0%) | $231,339 (4.2%) | 0.00 | 538 |
2019-11-01 | $184,900 (0.0%) | $230,672 (-1.0%) | 0.00 | 542 |
2019-12-01 | $189,900 (2.1%) | $239,071 (0.2%) | 0.00 | 543 |
2020-01-01 | $194,222 (4.7%) | $244,578 (2.7%) | 0.00 | 515 |
2020-02-01 | $191,947 (3.8%) | $237,999 (-1.2%) | 0.00 | 536 |
2020-03-01 | $194,925 (5.4%) | $238,920 (0.5%) | 0.00 | 546 |
2020-04-01 | $185,000 (-0.5%) | $229,218 (-3.5%) | 0.00 | 533 |
2020-05-01 | $185,000 (0.0%) | $229,652 (-2.5%) | 0.00 | 471 |
2020-06-01 | $182,313 (-3.5%) | $228,868 (-1.9%) | 0.00 | 431 |
2020-07-01 | $187,750 (0.8%) | $225,263 (-2.7%) | 0.00 | 376 |
2020-08-01 | $194,900 (5.1%) | $234,392 (1.5%) | 0.00 | 340 |
2020-09-01 | $197,725 (8.5%) | $240,907 (4.2%) | 0.00 | 308 |
2020-10-01 | $185,450 (3.1%) | $236,656 (2.3%) | 0.00 | 294 |
2020-11-01 | $198,250 (7.2%) | $242,762 (5.2%) | 0.00 | 286 |
2020-12-01 | $198,450 (4.5%) | $247,079 (3.4%) | 0.00 | 293 |
2021-01-01 | $195,000 (0.4%) | $255,166 (4.3%) | 0.00 | 304 |
2021-02-01 | $199,900 (4.1%) | $255,159 (7.2%) | 0.00 | 288 |
2021-03-01 | $216,950 (11.3%) | $267,155 (11.8%) | 0.00 | 262 |
2021-04-01 | $208,675 (12.8%) | $285,775 (24.7%) | 0.00 | 208 |
2021-05-01 | $224,950 (21.6%) | $296,262 (29.0%) | 0.00 | 197 |
2021-06-01 | $224,950 (23.4%) | $4,352,803 (1,801.9%) | 0.00 | 196 |
2021-07-01 | $234,900 (25.1%) | $3,840,152 (1,604.7%) | 0.00 | 238 |
2021-08-01 | $249,925 (28.2%) | $319,245 (36.2%) | 0.00 | 256 |
2021-09-01 | $252,450 (27.7%) | $319,617 (32.7%) | 0.00 | 246 |
2021-10-01 | $249,900 (34.8%) | $316,764 (33.9%) | 0.00 | 260 |
2021-11-01 | $269,900 (36.1%) | $334,904 (38.0%) | 0.00 | 241 |
2021-12-01 | $264,950 (33.5%) | $339,649 (37.5%) | 0.00 | 233 |
2022-01-01 | $269,990 (38.5%) | $344,225 (34.9%) | 0.00 | 222 |
2022-02-01 | $276,175 (38.2%) | $363,365 (42.4%) | 0.00 | 212 |
2022-03-01 | $284,950 (31.3%) | $391,410 (46.5%) | 0.00 | 210 |
2022-04-01 | $279,900 (34.1%) | $371,756 (30.1%) | 0.00 | 254 |
2022-05-01 | $287,000 (27.6%) | $374,768 (26.5%) | 0.00 | 281 |
2022-06-01 | $292,159 (29.9%) | $363,349 (-91.7%) | 0.00 | 310 |
2022-07-01 | $289,634 (23.3%) | $359,049 (-90.7%) | 0.00 | 366 |
2022-08-01 | $297,250 (18.9%) | $356,682 (11.7%) | 0.00 | 382 |
2022-09-01 | $298,555 (18.3%) | $349,527 (9.4%) | 0.00 | 402 |
2022-10-01 | $299,000 (19.7%) | $360,139 (13.7%) | 0.00 | 391 |
2022-11-01 | $291,220 (7.9%) | $360,931 (7.8%) | 0.00 | 412 |
2022-12-01 | $283,900 (7.2%) | $354,804 (4.5%) | 0.00 | 447 |
2023-01-01 | $283,569 (5.0%) | $359,836 (4.5%) | 0.00 | 482 |
2023-02-01 | $286,875 (3.9%) | $356,967 (-1.8%) | 0.00 | 498 |
2023-03-01 | $289,350 (1.5%) | $359,738 (-8.1%) | 0.00 | 485 |
2023-04-01 | $295,000 (5.4%) | $366,111 (-1.5%) | 0.00 | 492 |
2023-05-01 | $299,900 (4.5%) | $360,680 (-3.8%) | 0.00 | 493 |
2023-06-01 | $301,026 (3.0%) | $357,159 (-1.7%) | 0.00 | 475 |
2023-07-01 | $300,000 (3.6%) | $363,357 (1.2%) | 0.00 | 469 |
2023-08-01 | $309,766 (4.2%) | $362,018 (1.5%) | 0.00 | 469 |
2023-09-01 | $299,900 (0.5%) | $354,329 (1.4%) | 0.00 | 500 |
2023-10-01 | $317,000 (6.0%) | $373,308 (3.7%) | 0.00 | 531 |
2023-11-01 | $320,000 (9.9%) | $389,256 (7.9%) | 0.00 | 564 |
2023-12-01 | $325,000 (14.5%) | $378,879 (6.8%) | 0.00 | 625 |
2024-01-01 | $329,900 (16.3%) | $379,076 (5.4%) | 0.00 | 648 |
2024-02-01 | $322,450 (12.4%) | $367,682 (3.0%) | 0.00 | 693 |
2024-03-01 | $314,700 (8.8%) | $360,148 (0.1%) | 0.00 | 671 |
2024-04-01 | $311,700 (5.7%) | $361,028 (-1.4%) | 0.00 | 678 |
2024-05-01 | $307,486 (2.5%) | $358,706 (-0.6%) | 0.00 | 701 |
2024-06-01 | $310,829 (3.3%) | $360,671 (1.0%) | 0.00 | 673 |
2024-07-01 | $312,475 (4.2%) | $360,361 (-0.8%) | 0.00 | 683 |
2024-08-01 | $315,000 (1.7%) | $365,247 (0.9%) | 0.00 | 717 |
2024-09-01 | $312,400 (4.2%) | $361,341 (2.0%) | 0.00 | 731 |
2024-10-01 | $314,945 (-0.7%) | $362,480 (-2.9%) | 0.00 | 699 |
Sebring's median listing price comes in at 0% of the national average.
Sebring's average listing price for 2024-10-01 was $362,480, a difference of $-10,828 (-2.9%) versus the prior year and $1,139 versus the prior month.
For the 2024-10-01 period, Sebring had 699 MLS listings, a difference of -32 listings (-4%) versus the prior month and 168 listings (32%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - Sebring (CBSA) retrieved from FRED, Federal Reserve Bank of St. LouisDate | Median Listing Time on Market | Median Square Footage |
---|---|---|
2018-01-01 | 0 days | 2,241 sqft |
2018-02-01 | 0 days | 2,272 sqft |
2018-03-01 | 0 days | 2,248 sqft |
2018-04-01 | 0 days | 2,236 sqft |
2018-05-01 | 0 days | 2,229 sqft |
2018-06-01 | 0 days | 2,244 sqft |
2018-07-01 | 0 days | 2,253 sqft |
2018-08-01 | 0 days | 2,237 sqft |
2018-09-01 | 0 days | 2,202 sqft |
2018-10-01 | 0 days | 2,225 sqft |
2018-11-01 | 0 days | 2,232 sqft |
2018-12-01 | 0 days | 1,640 sqft |
2019-01-01 | 0 days | 1,644 sqft |
2019-02-01 | 0 days | 1,647 sqft |
2019-03-01 | 0 days | 1,650 sqft |
2019-04-01 | 0 days | 1,655 sqft |
2019-05-01 | 0 days | 1,623 sqft |
2019-06-01 | 0 days | 1,650 sqft |
2019-07-01 | 0 days | 1,638 sqft |
2019-08-01 | 0 days | 1,641 sqft |
2019-09-01 | 0 days | 1,636 sqft |
2019-10-01 | 0 days | 1,630 sqft |
2019-11-01 | 0 days | 1,622 sqft |
2019-12-01 | 0 days | 1,652 sqft |
2020-01-01 | 0 days | 1,679 sqft |
2020-02-01 | 0 days | 1,655 sqft |
2020-03-01 | 0 days | 1,638 sqft |
2020-04-01 | 0 days | 1,595 sqft |
2020-05-01 | 0 days | 1,596 sqft |
2020-06-01 | 0 days | 1,574 sqft |
2020-07-01 | 0 days | 1,603 sqft |
2020-08-01 | 0 days | 1,563 sqft |
2020-09-01 | 0 days | 1,575 sqft |
2020-10-01 | 0 days | 1,574 sqft |
2020-11-01 | 0 days | 1,570 sqft |
2020-12-01 | 0 days | 1,570 sqft |
2021-01-01 | 0 days | 1,568 sqft |
2021-02-01 | 0 days | 1,572 sqft |
2021-03-01 | 0 days | 1,619 sqft |
2021-04-01 | 0 days | 1,601 sqft |
2021-05-01 | 0 days | 1,600 sqft |
2021-06-01 | 0 days | 1,582 sqft |
2021-07-01 | 0 days | 1,630 sqft |
2021-08-01 | 0 days | 1,649 sqft |
2021-09-01 | 0 days | 1,642 sqft |
2021-10-01 | 0 days | 1,592 sqft |
2021-11-01 | 0 days | 1,641 sqft |
2021-12-01 | 0 days | 1,629 sqft |
2022-01-01 | 0 days | 1,644 sqft |
2022-02-01 | 0 days | 1,627 sqft |
2022-03-01 | 0 days | 1,625 sqft |
2022-04-01 | 0 days | 1,591 sqft |
2022-05-01 | 0 days | 1,551 sqft |
2022-06-01 | 0 days | 1,570 sqft |
2022-07-01 | 0 days | 1,525 sqft |
2022-08-01 | 0 days | 1,564 sqft |
2022-09-01 | 0 days | 1,585 sqft |
2022-10-01 | 0 days | 1,583 sqft |
2022-11-01 | 0 days | 1,581 sqft |
2022-12-01 | 0 days | 1,546 sqft |
2023-01-01 | 0 days | 1,536 sqft |
2023-02-01 | 0 days | 1,539 sqft |
2023-03-01 | 0 days | 1,539 sqft |
2023-04-01 | 0 days | 1,553 sqft |
2023-05-01 | 0 days | 1,566 sqft |
2023-06-01 | 0 days | 1,567 sqft |
2023-07-01 | 0 days | 1,569 sqft |
2023-08-01 | 0 days | 1,609 sqft |
2023-09-01 | 0 days | 1,633 sqft |
2023-10-01 | 0 days | 1,652 sqft |
2023-11-01 | 0 days | 1,662 sqft |
2023-12-01 | 0 days | 1,661 sqft |
2024-01-01 | 0 days | 1,665 sqft |
2024-02-01 | 0 days | 1,642 sqft |
2024-03-01 | 0 days | 1,620 sqft |
2024-04-01 | 0 days | 1,604 sqft |
2024-05-01 | 0 days | 1,608 sqft |
2024-06-01 | 0 days | 1,588 sqft |
2024-07-01 | 0 days | 1,580 sqft |
2024-08-01 | 0 days | 1,597 sqft |
2024-09-01 | 0 days | 1,596 sqft |
2024-10-01 | 0 days | 1,608 sqft |
Sebring's median square footage for active listings during the 2024-10-01 period was 1,608 sqft. One year prior, the average listing was 1,652 sqft.