The Villages VA Loan Rates, Closing Costs & Stats

THE VILLAGES, 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.

    The Villages's 65 lenders originated 303 VA loans during 2024. The total origination value was $109,195,000, with an average VA loan value of $360,380.

    The Villages VA Loans, 30 Year Fixed Rates

    30 Year VA mortgages in The Villages averaged 6.64% for the week of 2025-04-04, compared to the national average (all VA variants) of 6.06% for the same period.

    The Villages's average VA mortgage closing costs are $6,652.

    The average rate for the prior week (2025-03-28) was 6.66% and one month ago for the week of 2025-02-28, the average rate was 6.53%.

    The average rate one year ago was 7.14%.

    For refis of the same type during the week of 2025-04-04, the average rate was 6.32%.

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

    The Villages 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 The Villages level.

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    UNITED WHOLESALE MORTGAGE, LLC 43 5.97% $8,937
    Mortgage Research Center, LLC 38 6.39% $9,216
    QUICKEN LOANS, LLC 29 6.00% $10,196
    UNION HOME MORTGAGE CORP. 25 6.10% $5,312
    NAVY FEDERAL CREDIT UNION 14 5.88% $5,776
    NEW DAY FINANCIAL, LLC 12 7.34% $17,562
    USAA Federal Savings Bank 10 6.29% $6,531
    FREEDOM MORTGAGE CORPORATION 9 6.00% $10,902
    FBC MORTGAGE, LLC 8 6.27% $6,725
    LOANDEPOT.COM, LLC 7 6.21% $16,420
    DHI MORTGAGE COMPANY, LTD. 5 5.05% $7,856
    Ameris Bank 4 6.28% $8,710
    First Federal Bank 4 5.59% $6,089
    PENNYMAC LOAN SERVICES, LLC 4 5.59% $10,104
    CROSSCOUNTRY MORTGAGE, LLC 4 5.70% $8,681
    INSPIRE HOME LOANS INC. 4 5.91% $7,609
    PRIMELENDING, A PLAINSCAPITAL COMPANY 3 5.83% $6,720
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 3 6.12% $11,062
    Network Funding, L.P. 3 6.50% $9,599
    MOVEMENT MORTGAGE, LLC 3 6.38% $4,864
    GUARANTEED RATE, INC. 3 5.78% $7,844
    Equity Prime Mortgage LLC 2 7.25% $8,470
    LAKEVIEW LOAN SERVICING, LLC 2 5.75% $6,713
    Truist 2 6.48% $5,524
    Franklin Loan Corporation 2 6.00% $9,643
    Flagstar Bank, FSB 2 5.63% $15,195
    NBKC BANK 2 6.31% $9,221
    Ixonia Bank 2 6.69% $11,003
    Barrington Bank & Trust Company, N.A. 2 6.94% $5,032
    PENTAGON FEDERAL CREDIT UNION 2 6.06% $6,121
    VILLAGE CAPITAL MORTGAGE 2 5.75% $6,435
    MICHIGAN MUTUAL, INC. 2 6.50% $8,373
    ALKAN MORTGAGE CORPORATION 1 6.50% $11,425
    Wells Fargo Bank 1 6.00% $5,451
    ALLIED MORTGAGE GROUP, INC. 1 5.25% $6,440
    ALTRA 1 6.13% $2,552
    AMERICAN FINANCIAL NETWORK, INC. 1 6.75% $11,890
    Armed Forces Bank 1 6.63% $3,570
    ATLANTIC BAY MORTGAGE GROUP, L.L.C. 1 6.25% $5,954
    BAY EQUITY LLC 1 5.75% $10,286
    Carrington Mortgage Services, LLC 1 6.13% $8,717
    CORNERSTONE HOME LENDING, INC. 1 6.13% $4,360
    DAS Acquisition Company, LLC 1 7.38% $1,533
    EMBRACE HOME LOANS, INC. 1 6.13% $3,910
    ENCORE BANK 1 6.13% $37,695
    First Horizon Bank 1 6.50% $4,240
    GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION 1 6.63% $12,233
    GUILD MORTGAGE COMPANY 1 6.25% $16,600
    HOMEBRIDGE FINANCIAL SERVICES, INC. 1 6.49% $14,021
    INTERLINC MORTGAGE SERVICES, LLC 1 5.75% $7,465
    JPMorgan Chase Bank 1 6.50% $3,307
    LADERA LENDING, INC. 1 6.25% $14,644
    Leader Bank 1 5.75% $3,236
    Mid-Continent Funding, Inc. 1 5.75% $9,350
    MILEND, INC. 1 6.75% $42,990
    MORTGAGE EQUITY PARTNERS LLC 1 6.75% $13,388
    Nations Lending Corporation 1 6.75% $10,402
    NEWREZ LLC 1 5.75% $5,783
    NFM, INC. 1 7.25% $9,917
    Paramount Residential Mortgage Group, Inc. 1 6.25% $11,276
    Plains Commerce Bank 1 6.50% $11,425
    PLAZA HOME MORTGAGE, INC. 1 7.13% $150
    PNC Bank 1 6.75% $6,556
    STOCKTON MORTGAGE CORPORATION 1 6.75% $10,993
    The Federal Savings Bank 1 6.13% $9,698

    The top The Villages VA lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with 43 VA loans originated. Their average total fees are $8,937, which is $279 lower than the next largest lender, Mortgage Research Center, LLC.

    The lowest fee The Villages VA lenders (with over 10 loans originated) are UNION HOME MORTGAGE CORP. ($5,312), NAVY FEDERAL CREDIT UNION ($5,776), USAA Federal Savings Bank ($6,531), UNITED WHOLESALE MORTGAGE, LLC ($8,937) and Mortgage Research Center, LLC ($9,216).

    The lowest rate The Villages VA lenders (with over 10 loans originated) are NAVY FEDERAL CREDIT UNION (5.88%), UNITED WHOLESALE MORTGAGE, LLC (5.97%), QUICKEN LOANS, LLC (6.00%), UNION HOME MORTGAGE CORP. (6.10%) and USAA Federal Savings Bank (6.29%).

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - The Villages (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 $262,423 (5.4%) $342,731 (8.8%) 0.97 340
    2018-02-01 $259,925 (4.0%) $350,017 (12.5%) 0.94 351
    2018-03-01 $274,950 (10.2%) $367,858 (18.5%) 0.96 346
    2018-04-01 $269,724 (7.9%) $381,518 (21.3%) 0.91 335
    2018-05-01 $276,438 (10.6%) $381,832 (17.9%) 0.92 375
    2018-06-01 $274,950 (10.3%) $380,131 (18.9%) 0.92 352
    2018-07-01 $267,000 (6.8%) $373,582 (14.1%) 0.89 344
    2018-08-01 $269,000 (2.1%) $391,037 (17.5%) 0.90 342
    2018-09-01 $259,800 (-3.0%) $366,910 (8.8%) 0.87 349
    2018-10-01 $258,350 (-5.1%) $373,714 (8.8%) 0.88 354
    2018-11-01 $263,000 (-2.6%) $366,705 (5.8%) 0.89 371
    2018-12-01 $274,500 (5.6%) $375,728 (12.4%) 0.95 404
    2019-01-01 $267,624 (2.0%) $359,391 (4.9%) 0.92 406
    2019-02-01 $260,574 (0.3%) $351,510 (0.4%) 0.88 405
    2019-03-01 $260,708 (-5.2%) $349,358 (-5.0%) 0.85 395
    2019-04-01 $260,080 (-3.6%) $347,421 (-8.9%) 0.83 398
    2019-05-01 $269,575 (-2.5%) $346,906 (-9.2%) 0.84 375
    2019-06-01 $270,000 (-1.8%) $350,355 (-7.8%) 0.84 352
    2019-07-01 $272,450 (2.0%) $322,387 (-13.7%) 0.85 322
    2019-08-01 $277,609 (3.2%) $322,227 (-17.6%) 0.88 321
    2019-09-01 $284,523 (9.5%) $328,185 (-10.6%) 0.91 306
    2019-10-01 $289,132 (11.9%) $332,987 (-10.9%) 0.93 298
    2019-11-01 $289,900 (10.2%) $348,575 (-4.9%) 0.95 307
    2019-12-01 $289,900 (5.6%) $336,898 (-10.3%) 0.97 307
    2020-01-01 $293,125 (9.5%) $344,111 (-4.3%) 0.98 344
    2020-02-01 $299,700 (15.0%) $348,589 (-0.8%) 0.98 369
    2020-03-01 $299,950 (15.1%) $351,248 (0.5%) 0.94 384
    2020-04-01 $297,000 (14.2%) $351,218 (1.1%) 0.93 428
    2020-05-01 $295,000 (9.4%) $345,938 (-0.3%) 0.90 434
    2020-06-01 $296,950 (10.0%) $347,885 (-0.7%) 0.87 440
    2020-07-01 $289,900 (6.4%) $345,464 (7.2%) 0.84 458
    2020-08-01 $299,900 (8.0%) $361,028 (12.0%) 0.86 456
    2020-09-01 $304,175 (6.9%) $366,516 (11.7%) 0.87 448
    2020-10-01 $299,124 (3.5%) $364,276 (9.4%) 0.86 473
    2020-11-01 $294,900 (1.7%) $358,737 (2.9%) 0.86 464
    2020-12-01 $289,410 (-0.2%) $348,952 (3.6%) 0.86 437
    2021-01-01 $298,900 (2.0%) $352,201 (2.4%) 0.89 382
    2021-02-01 $299,900 (0.1%) $356,323 (2.2%) 0.87 301
    2021-03-01 $307,950 (2.7%) $373,571 (6.4%) 0.87 254
    2021-04-01 $314,675 (6.0%) $376,834 (7.3%) 0.85 205
    2021-05-01 $335,000 (13.6%) $410,343 (18.6%) 0.89 161
    2021-06-01 $339,450 (14.3%) $460,848 (32.5%) 0.89 126
    2021-07-01 $360,000 (24.2%) $449,490 (30.1%) 0.95 142
    2021-08-01 $362,475 (20.9%) $469,082 (29.9%) 0.97 155
    2021-09-01 $361,225 (18.8%) $488,773 (33.4%) 0.96 165
    2021-10-01 $359,900 (20.3%) $478,679 (31.4%) 0.96 177
    2021-11-01 $364,413 (23.6%) $501,242 (39.7%) 0.97 152
    2021-12-01 $383,725 (32.6%) $504,945 (44.7%) 1.04 154
    2022-01-01 $395,000 (32.2%) $501,757 (42.5%) 1.07 140
    2022-02-01 $410,000 (36.7%) $505,831 (42.0%) 1.07 141
    2022-03-01 $429,975 (39.6%) $541,056 (44.8%) 1.08 165
    2022-04-01 $429,900 (36.6%) $547,594 (45.3%) 1.02 174
    2022-05-01 $419,950 (25.4%) $532,557 (29.8%) 0.96 209
    2022-06-01 $424,925 (25.2%) $509,924 (10.7%) 0.95 271
    2022-07-01 $424,900 (18.0%) $507,957 (13.0%) 0.96 318
    2022-08-01 $416,950 (15.0%) $503,175 (7.3%) 0.96 320
    2022-09-01 $419,450 (16.1%) $506,342 (3.6%) 0.98 336
    2022-10-01 $405,000 (12.5%) $490,075 (2.4%) 0.95 377
    2022-11-01 $405,100 (11.2%) $488,305 (-2.6%) 0.97 395
    2022-12-01 $410,000 (6.9%) $488,736 (-3.2%) 1.01 409
    2023-01-01 $421,000 (6.6%) $492,003 (-1.9%) 1.04 385
    2023-02-01 $419,950 (2.4%) $485,598 (-4.0%) 1.01 398
    2023-03-01 $419,950 (-2.3%) $487,409 (-9.9%) 0.99 399
    2023-04-01 $399,900 (-7.0%) $467,900 (-14.6%) 0.93 416
    2023-05-01 $399,375 (-4.9%) $468,402 (-12.1%) 0.91 414
    2023-06-01 $397,450 (-6.5%) $470,274 (-7.8%) 0.89 427
    2023-07-01 $399,900 (-5.9%) $470,940 (-7.3%) 0.91 402
    2023-08-01 $401,192 (-3.8%) $484,568 (-3.7%) 0.92 384
    2023-09-01 $398,950 (-4.9%) $487,086 (-3.8%) 0.93 367
    2023-10-01 $399,900 (-1.3%) $491,546 (0.3%) 0.94 393
    2023-11-01 $396,163 (-2.2%) $478,541 (-2.0%) 0.94 429
    2023-12-01 $390,000 (-4.9%) $480,981 (-1.6%) 0.95 436
    2024-01-01 $393,125 (-6.6%) $480,204 (-2.4%) 0.96 481
    2024-02-01 $392,000 (-6.7%) $481,281 (-0.9%) 0.94 466
    2024-03-01 $379,900 (-9.5%) $471,553 (-3.3%) 0.89 455
    2024-04-01 $385,800 (-3.5%) $464,394 (-0.8%) 0.90 484
    2024-05-01 $382,000 (-4.4%) $462,835 (-1.2%) 0.86 541
    2024-06-01 $374,374 (-5.8%) $451,288 (-4.0%) 0.84 563
    2024-07-01 $377,000 (-5.7%) $441,958 (-6.2%) 0.86 583
    2024-08-01 $374,800 (-6.6%) $436,788 (-9.9%) 0.87 615
    2024-09-01 $375,448 (-5.9%) $445,098 (-8.6%) 0.88 645
    2024-10-01 $390,175 (-2.4%) $461,532 (-6.1%) 0.92 641
    2024-11-01 $389,000 (-1.8%) $465,034 (-2.8%) 0.93 637
    2024-12-01 $385,000 (-1.3%) $455,953 (-5.2%) 0.96 625
    The Villages's median listing price for 2024-12-01 was $385,000, a difference of $-5,000 (-1.3%) versus the prior year and $-4,000 versus the prior month.

    The Villages's median listing price comes in at 96% of the national average.

    The Villages's average listing price for 2024-12-01 was $455,953, a difference of $-25,028 (-5.2%) versus the prior year and $-9,081 versus the prior month.

    For the 2024-12-01 period, The Villages had 625 MLS listings, a difference of -12 listings (-2%) versus the prior month and 189 listings (43%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - The Villages (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 69 days 1,712 sqft
    2018-02-01 63 days 1,756 sqft
    2018-03-01 52 days 1,857 sqft
    2018-04-01 56 days 1,826 sqft
    2018-05-01 52 days 1,846 sqft
    2018-06-01 58 days 1,806 sqft
    2018-07-01 67 days 1,775 sqft
    2018-08-01 66 days 1,768 sqft
    2018-09-01 60 days 1,672 sqft
    2018-10-01 59 days 1,672 sqft
    2018-11-01 67 days 1,726 sqft
    2018-12-01 65 days 1,795 sqft
    2019-01-01 68 days 1,795 sqft
    2019-02-01 66 days 1,740 sqft
    2019-03-01 59 days 1,762 sqft
    2019-04-01 62 days 1,684 sqft
    2019-05-01 67 days 1,653 sqft
    2019-06-01 65 days 1,648 sqft
    2019-07-01 57 days 1,624 sqft
    2019-08-01 58 days 1,645 sqft
    2019-09-01 61 days 1,677 sqft
    2019-10-01 64 days 1,698 sqft
    2019-11-01 53 days 1,657 sqft
    2019-12-01 57 days 1,652 sqft
    2020-01-01 55 days 1,673 sqft
    2020-02-01 49 days 1,656 sqft
    2020-03-01 47 days 1,728 sqft
    2020-04-01 53 days 1,725 sqft
    2020-05-01 60 days 1,685 sqft
    2020-06-01 67 days 1,673 sqft
    2020-07-01 57 days 1,673 sqft
    2020-08-01 53 days 1,736 sqft
    2020-09-01 52 days 1,757 sqft
    2020-10-01 53 days 1,715 sqft
    2020-11-01 48 days 1,673 sqft
    2020-12-01 53 days 1,661 sqft
    2021-01-01 63 days 1,673 sqft
    2021-02-01 51 days 1,673 sqft
    2021-03-01 44 days 1,649 sqft
    2021-04-01 42 days 1,641 sqft
    2021-05-01 36 days 1,673 sqft
    2021-06-01 36 days 1,718 sqft
    2021-07-01 41 days 1,760 sqft
    2021-08-01 40 days 1,739 sqft
    2021-09-01 41 days 1,742 sqft
    2021-10-01 39 days 1,742 sqft
    2021-11-01 40 days 1,751 sqft
    2021-12-01 57 days 1,746 sqft
    2022-01-01 50 days 1,736 sqft
    2022-02-01 35 days 1,780 sqft
    2022-03-01 33 days 1,748 sqft
    2022-04-01 33 days 1,692 sqft
    2022-05-01 30 days 1,690 sqft
    2022-06-01 30 days 1,670 sqft
    2022-07-01 37 days 1,628 sqft
    2022-08-01 41 days 1,613 sqft
    2022-09-01 49 days 1,656 sqft
    2022-10-01 52 days 1,624 sqft
    2022-11-01 56 days 1,670 sqft
    2022-12-01 60 days 1,639 sqft
    2023-01-01 66 days 1,642 sqft
    2023-02-01 64 days 1,608 sqft
    2023-03-01 46 days 1,646 sqft
    2023-04-01 45 days 1,626 sqft
    2023-05-01 43 days 1,606 sqft
    2023-06-01 44 days 1,618 sqft
    2023-07-01 54 days 1,641 sqft
    2023-08-01 62 days 1,644 sqft
    2023-09-01 61 days 1,641 sqft
    2023-10-01 56 days 1,610 sqft
    2023-11-01 49 days 1,559 sqft
    2023-12-01 56 days 1,559 sqft
    2024-01-01 60 days 1,582 sqft
    2024-02-01 55 days 1,607 sqft
    2024-03-01 53 days 1,560 sqft
    2024-04-01 50 days 1,576 sqft
    2024-05-01 43 days 1,540 sqft
    2024-06-01 50 days 1,538 sqft
    2024-07-01 59 days 1,554 sqft
    2024-08-01 58 days 1,561 sqft
    2024-09-01 62 days 1,563 sqft
    2024-10-01 64 days 1,603 sqft
    2024-11-01 70 days 1,602 sqft
    2024-12-01 69 days 1,600 sqft
    The Villages's median listing age (time on market) for 2024-12-01 was 69 days. This is 24% longer than the same period one year ago.

    The Villages's median square footage for active listings during the 2024-12-01 period was 1,600 sqft. One year prior, the average listing was 1,559 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.