Sebring VA Loan Rates, Closing Costs & Stats

SEBRING-AVON PARK, FL

  • JUMP TO:
  • Trends
  • Rates vs Fees
  • Top Lenders
  • Markets

    • 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 53 lenders originated 234 VA loans during 2024. The total origination value was $65,750,000, with an average VA loan value of $280,983.

    Sebring VA Loans, 30 Year Fixed Rates

    30 Year VA mortgages in Sebring averaged 0.4% for the week of 2025-07-04, compared to the national average (all VA variants) of 0% for the same period.

    Sebring's average VA mortgage closing costs are $5,694.

    The average rate for the prior week (2025-06-27) was 6.64% and one month ago for the week of 2025-05-30, the average rate was 6.86%.

    The average rate one year ago was 7.08%.

    For refis of the same type during the week of 2025-07-04, the average rate was 0.21%.

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

    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.

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    Mortgage Research Center, LLC 30 6.45% $6,056
    UNITED WHOLESALE MORTGAGE, LLC 27 5.83% $5,811
    METROPLEX MORTGAGE SERVICES, INC. 21 6.29% $6,315
    QUICKEN LOANS, LLC 16 5.97% $11,811
    FREEDOM MORTGAGE CORPORATION 15 6.06% $6,344
    LEADERONE FINANCIAL CORPORATION 10 6.79% $9,001
    Equity Prime Mortgage LLC 7 6.00% $8,241
    CROSSCOUNTRY MORTGAGE, LLC 6 6.49% $10,639
    NEW DAY FINANCIAL, LLC 6 7.35% $9,222
    HOME SOLUTION LENDERS INC. 5 6.25% $9,158
    NAVY FEDERAL CREDIT UNION 5 6.00% $5,565
    LOANDEPOT.COM, LLC 4 6.34% $8,435
    HOMESIDE FINANCIAL, LLC 4 6.31% $11,290
    VILLAGE CAPITAL MORTGAGE 4 6.15% $7,681
    USAA Federal Savings Bank 3 6.75% $5,126
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 3 6.54% $4,848
    PENNYMAC LOAN SERVICES, LLC 3 5.75% $5,816
    PENTAGON FEDERAL CREDIT UNION 3 6.00% $4,198
    Carrington Mortgage Services, LLC 3 5.83% $10,674
    NEWREZ LLC 3 5.38% $7,688
    INSPIRE HOME LOANS INC. 3 4.92% $2,812
    Mid-Continent Funding, Inc. 2 6.69% $11,292
    MORTGAGE SOLUTIONS OF COLORADO, LLC 2 7.00% $4,839
    NBKC BANK 2 5.88% $4,389
    NFM, INC. 2 6.13% $5,566
    FBC MORTGAGE, LLC 2 5.88% $5,202
    Bell Bank 2 6.13% $4,311
    AMERICAN PACIFIC MORTGAGE CORPORATION 2 6.50% $8,676
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 2 6.19% $18,279
    LAKEVIEW LOAN SERVICING, LLC 2 6.00% $3,815
    MUTUAL OF OMAHA MORTGAGE, INC. 1 6.75% $13,996
    Ameris Bank 1 6.25% $4,727
    BROKER SOLUTIONS, INC. 1 6.50% $5,790
    CARDINAL FINANCIAL 1 6.75% $4,218
    Century Mortgage Company DBA Century Lending Company 1 5.88% $12,190
    CLEARPATH LENDING 1 6.00% $4,768
    Colony Bank 1 6.50% $1,448
    EVERETT FINANCIAL, INC. 1 7.13% $8,760
    GARDNER FINANCIAL SERVICES, LTD. 1 7.00% $10,449
    HOMEBRIDGE FINANCIAL SERVICES, INC. 1 5.99% $3,758
    JMAC LENDING, INC. 1 6.13% $8,976
    Magnolia Bank 1 6.50% $8,280
    MID AMERICA MORTGAGE, INC. 1 8.38% $7,772
    ALKAN MORTGAGE CORPORATION 1 6.13% $22,650
    Paramount Residential Mortgage Group, Inc. 1 6.25% $5,090
    PLANET HOME LENDING, LLC 1 5.50% $3,911
    Presidential Bank, FSB 1 6.25% $4,534
    South State Bank 1 5.50% $5,580
    SUMMIT FUNDING, INC. 1 5.75% $17,356
    The Federal Savings Bank 1 6.63% $10,089
    THE MORTGAGE FIRM, INC. 1 6.75% $6,138
    Truist 1 6.13% $3,057
    VAN DYK MORTGAGE CORPORATION 1 6.99% $8,873

    The top Sebring VA lender as defined by loan originations is Mortgage Research Center, LLC, with 30 VA loans originated. Their average total fees are $6,056, which is $246 higher than the next largest lender, UNITED WHOLESALE MORTGAGE, LLC.

    The lowest fee Sebring VA lenders (with over 10 loans originated) are UNITED WHOLESALE MORTGAGE, LLC ($5,811), Mortgage Research Center, LLC ($6,056), METROPLEX MORTGAGE SERVICES, INC. ($6,315), FREEDOM MORTGAGE CORPORATION ($6,344) and LEADERONE FINANCIAL CORPORATION ($9,001).

    The lowest rate Sebring VA lenders (with over 10 loans originated) are UNITED WHOLESALE MORTGAGE, LLC (5.83%), QUICKEN LOANS, LLC (5.97%), FREEDOM MORTGAGE CORPORATION (6.06%), METROPLEX MORTGAGE SERVICES, INC. (6.29%) and Mortgage Research Center, LLC (6.45%).

    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.