Thomaston VA Loan Rates, Closing Costs & Stats

Thomaston, GA

  • JUMP TO:
  • Trends
  • Rates vs Fees
  • Top Lenders
  • Markets
  • Market Conditions & Pricing
  • Time on Market/Property Size

    • 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.

    Thomaston's 19 lenders originated 36 VA loans during 2024. The total origination value was $10,550,000, with an average VA loan value of $293,056.

    Thomaston VA Loans, 30 Year Fixed Rates

    30 Year VA mortgages in Thomaston averaged 6.36% for the week of 2025-04-04, compared to the national average (all VA variants) of 6.06% for the same period.

    Thomaston's average VA mortgage closing costs are $4,973.

    The average rate for the prior week (2025-03-28) was 6.38% and one month ago for the week of 2025-02-28, the average rate was 6.55%.

    The average rate one year ago was 6.56%.

    For refis of the same type during the week of 2025-04-04, the average rate was 6.06%.

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

    Thomaston 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 Thomaston level.

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    Mortgage Research Center, LLC 7 7.04% $3,574
    FREEDOM MORTGAGE CORPORATION 6 6.06% $4,820
    UNITED WHOLESALE MORTGAGE, LLC 3 6.00% $13,212
    QUICKEN LOANS, LLC 2 6.18% $13,236
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 1 6.13% $8,692
    LAKEVIEW LOAN SERVICING, LLC 1 5.75% $7,395
    Magnolia Bank 1 5.75% $21,295
    MILEND, INC. 1 7.13% $5,560
    NAVY FEDERAL CREDIT UNION 1 5.88% $2,267
    NEWREZ LLC 1 5.75% $5,175
    PENNYMAC LOAN SERVICES, LLC 1 5.63% $4,882
    Prosperity Home Mortgage, LLC 1 6.75% $6,365
    RADIUS FINANCIAL GROUP INC. 1 6.75% $4,604
    VANDERBILT MORTGAGE AND FINANCE, INC. 1 5.25% $7,929
    AMERICAN PACIFIC MORTGAGE CORPORATION 1 7.25% $10,908
    VAN DYK MORTGAGE CORPORATION 1 7.50% $6,159
    Barrington Bank & Trust Company, N.A. 1 5.75% $14,182
    BROKER SOLUTIONS, INC. 1 6.63% $17,941
    Century Mortgage Company DBA Century Lending Company 1 6.00% $0

    The top Thomaston VA lender as defined by loan originations is Mortgage Research Center, LLC, with 7 VA loans originated. Their average total fees are $3,574, which is $1,246 lower than the next largest lender, FREEDOM MORTGAGE CORPORATION.

    The lowest fee Thomaston VA lenders (with over 10 loans originated) are .

    The lowest rate Thomaston VA lenders (with over 10 loans originated) are .

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Thomaston (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 $116,875 (11.3%) $178,756 (17.1%) 0.00 102
    2018-02-01 $114,475 (16.5%) $177,982 (23.3%) 0.00 101
    2018-03-01 $109,950 (15.9%) $172,557 (26.1%) 0.00 90
    2018-04-01 $119,750 (33.1%) $188,357 (36.6%) 0.00 82
    2018-05-01 $125,125 (39.1%) $193,265 (37.8%) 0.00 83
    2018-06-01 $119,450 (32.9%) $188,278 (35.1%) 0.00 81
    2018-07-01 $125,125 (25.2%) $198,906 (34.9%) 0.00 87
    2018-08-01 $123,500 (8.4%) $190,138 (17.2%) 0.00 91
    2018-09-01 $118,500 (3.0%) $180,028 (7.8%) 0.00 92
    2018-10-01 $144,900 (22.9%) $204,007 (29.7%) 0.00 90
    2018-11-01 $157,400 (29.6%) $215,350 (25.1%) 0.00 88
    2018-12-01 $149,900 (25.0%) $247,437 (39.8%) 0.00 87
    2019-01-01 $154,450 (32.2%) $258,820 (44.8%) 0.00 88
    2019-02-01 $149,900 (31.0%) $248,461 (39.6%) 0.00 95
    2019-03-01 $157,829 (43.6%) $264,948 (53.5%) 0.00 85
    2019-04-01 $162,353 (35.6%) $276,032 (46.6%) 0.00 82
    2019-05-01 $149,900 (19.8%) $276,489 (43.1%) 0.00 85
    2019-06-01 $157,999 (32.3%) $249,018 (32.3%) 0.00 108
    2019-07-01 $151,999 (21.5%) $233,176 (17.2%) 0.00 103
    2019-08-01 $155,954 (26.3%) $227,949 (19.9%) 0.00 97
    2019-09-01 $157,386 (32.8%) $220,486 (22.5%) 0.00 94
    2019-10-01 $155,590 (7.4%) $210,658 (3.3%) 0.00 92
    2019-11-01 $149,900 (-4.8%) $202,379 (-6.0%) 0.00 97
    2019-12-01 $148,225 (-1.1%) $193,022 (-22.0%) 0.00 93
    2020-01-01 $148,500 (-3.9%) $203,127 (-21.5%) 0.00 90
    2020-02-01 $150,000 (0.1%) $219,004 (-11.9%) 0.00 79
    2020-03-01 $145,000 (-8.1%) $215,543 (-18.7%) 0.00 77
    2020-04-01 $154,100 (-5.1%) $202,595 (-26.6%) 0.00 74
    2020-05-01 $152,999 (2.1%) $200,582 (-27.5%) 0.00 65
    2020-06-01 $162,749 (3.0%) $218,593 (-12.2%) 0.00 57
    2020-07-01 $164,175 (8.0%) $213,723 (-8.3%) 0.00 52
    2020-08-01 $164,900 (5.7%) $229,916 (0.9%) 0.00 44
    2020-09-01 $156,724 (-0.4%) $235,153 (6.7%) 0.00 46
    2020-10-01 $174,450 (12.1%) $239,309 (13.6%) 0.00 45
    2020-11-01 $164,999 (10.1%) $225,133 (11.2%) 0.00 47
    2020-12-01 $149,900 (1.1%) $201,872 (4.6%) 0.00 49
    2021-01-01 $134,950 (-9.1%) $204,429 (0.6%) 0.00 48
    2021-02-01 $134,925 (-10.1%) $256,993 (17.4%) 0.00 43
    2021-03-01 $143,225 (-1.2%) $245,016 (13.7%) 0.00 32
    2021-04-01 $162,500 (5.5%) $272,099 (34.3%) 0.00 31
    2021-05-01 $189,900 (24.1%) $268,957 (34.1%) 0.00 25
    2021-06-01 $202,450 (24.4%) $290,093 (32.7%) 0.00 37
    2021-07-01 $204,950 (24.8%) $326,851 (52.9%) 0.00 34
    2021-08-01 $202,450 (22.8%) $331,240 (44.1%) 0.00 35
    2021-09-01 $194,900 (24.4%) $305,930 (30.1%) 0.00 49
    2021-10-01 $199,900 (14.6%) $316,985 (32.5%) 0.00 47
    2021-11-01 $194,400 (17.8%) $280,690 (24.7%) 0.00 34
    2021-12-01 $193,150 (28.9%) $282,174 (39.8%) 0.00 29
    2022-01-01 $199,900 (48.1%) $309,015 (51.2%) 0.00 24
    2022-02-01 $229,900 (70.4%) $333,846 (29.9%) 0.00 29
    2022-03-01 $212,650 (48.5%) $289,830 (18.3%) 0.00 39
    2022-04-01 $215,000 (32.3%) $275,807 (1.4%) 0.00 42
    2022-05-01 $201,000 (5.9%) $284,201 (5.7%) 0.00 47
    2022-06-01 $198,625 (-1.9%) $264,280 (-8.9%) 0.00 63
    2022-07-01 $199,750 (-2.5%) $269,163 (-17.7%) 0.00 80
    2022-08-01 $202,250 (-0.1%) $270,318 (-18.4%) 0.00 96
    2022-09-01 $216,200 (10.9%) $274,707 (-10.2%) 0.00 102
    2022-10-01 $221,000 (10.6%) $278,349 (-12.2%) 0.00 108
    2022-11-01 $206,800 (6.4%) $267,329 (-4.8%) 0.00 115
    2022-12-01 $215,000 (11.3%) $277,697 (-1.6%) 0.00 102
    2023-01-01 $198,650 (-0.6%) $268,788 (-13.0%) 0.00 90
    2023-02-01 $179,900 (-21.8%) $257,744 (-22.8%) 0.00 88
    2023-03-01 $183,450 (-13.7%) $255,832 (-11.7%) 0.00 79
    2023-04-01 $183,700 (-14.6%) $276,668 (0.3%) 0.00 70
    2023-05-01 $188,000 (-6.5%) $285,401 (0.4%) 0.00 63
    2023-06-01 $232,450 (17.0%) $329,340 (24.6%) 0.00 43
    2023-07-01 $234,900 (17.6%) $299,352 (11.2%) 0.00 44
    2023-08-01 $231,800 (14.6%) $262,941 (-2.7%) 0.00 58
    2023-09-01 $214,900 (-0.6%) $254,559 (-7.3%) 0.00 64
    2023-10-01 $206,250 (-6.7%) $261,543 (-6.0%) 0.00 75
    2023-11-01 $217,450 (5.2%) $294,151 (10.0%) 0.00 79
    2023-12-01 $212,500 (-1.2%) $296,120 (6.6%) 0.00 80
    2024-01-01 $216,200 (8.8%) $311,577 (15.9%) 0.00 74
    2024-02-01 $248,675 (38.2%) $352,038 (36.6%) 0.00 70
    2024-03-01 $225,000 (22.7%) $346,467 (35.4%) 0.00 73
    2024-04-01 $220,225 (19.9%) $329,990 (19.3%) 0.00 80
    2024-05-01 $248,000 (31.9%) $343,455 (20.3%) 0.00 82
    2024-06-01 $249,450 (7.3%) $340,365 (3.4%) 0.00 82
    2024-07-01 $249,900 (6.4%) $345,082 (15.3%) 0.00 84
    2024-08-01 $249,900 (7.8%) $328,922 (25.1%) 0.00 100
    2024-09-01 $252,475 (17.5%) $326,821 (28.4%) 0.00 97
    2024-10-01 $249,900 (21.2%) $330,525 (26.4%) 0.00 96
    2024-11-01 $247,350 (13.8%) $339,156 (15.3%) 0.00 104
    2024-12-01 $255,450 (20.2%) $340,044 (14.8%) 0.00 117
    2025-01-01 $255,450 (18.2%) $343,589 (10.3%) 0.00 107
    2025-02-01 $247,450 (-0.5%) $332,620 (-5.5%) 0.00 111
    2025-03-01 $249,900 (11.1%) $327,426 (-5.5%) 0.00 119
    Thomaston's median listing price for 2025-03-01 was $249,900, a difference of $24,900 (11.1%) versus the prior year and $2,450 versus the prior month.

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

    Thomaston's average listing price for 2025-03-01 was $327,426, a difference of $-19,041 (-5.5%) versus the prior year and $-5,194 versus the prior month.

    For the 2025-03-01 period, Thomaston had 119 MLS listings, a difference of 8 listings (7%) versus the prior month and 46 listings (63%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Thomaston (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 1,941 sqft
    2018-02-01 0 days 1,911 sqft
    2018-03-01 0 days 1,900 sqft
    2018-04-01 0 days 1,965 sqft
    2018-05-01 0 days 1,851 sqft
    2018-06-01 0 days 1,897 sqft
    2018-07-01 0 days 1,945 sqft
    2018-08-01 0 days 1,900 sqft
    2018-09-01 0 days 1,720 sqft
    2018-10-01 0 days 1,777 sqft
    2018-11-01 0 days 1,932 sqft
    2018-12-01 0 days 1,972 sqft
    2019-01-01 0 days 1,989 sqft
    2019-02-01 0 days 1,984 sqft
    2019-03-01 0 days 2,030 sqft
    2019-04-01 0 days 2,046 sqft
    2019-05-01 0 days 2,080 sqft
    2019-06-01 0 days 1,988 sqft
    2019-07-01 0 days 1,936 sqft
    2019-08-01 0 days 1,911 sqft
    2019-09-01 0 days 1,875 sqft
    2019-10-01 0 days 1,803 sqft
    2019-11-01 0 days 1,755 sqft
    2019-12-01 0 days 1,716 sqft
    2020-01-01 0 days 1,749 sqft
    2020-02-01 0 days 1,783 sqft
    2020-03-01 0 days 1,749 sqft
    2020-04-01 0 days 1,825 sqft
    2020-05-01 0 days 1,731 sqft
    2020-06-01 0 days 1,753 sqft
    2020-07-01 0 days 1,880 sqft
    2020-08-01 0 days 1,919 sqft
    2020-09-01 0 days 1,763 sqft
    2020-10-01 0 days 1,978 sqft
    2020-11-01 0 days 1,909 sqft
    2020-12-01 0 days 1,687 sqft
    2021-01-01 0 days 1,632 sqft
    2021-02-01 0 days 1,665 sqft
    2021-03-01 0 days 1,617 sqft
    2021-04-01 0 days 1,742 sqft
    2021-05-01 0 days 1,770 sqft
    2021-06-01 0 days 1,948 sqft
    2021-07-01 0 days 1,800 sqft
    2021-08-01 0 days 1,904 sqft
    2021-09-01 0 days 1,735 sqft
    2021-10-01 0 days 1,800 sqft
    2021-11-01 0 days 1,695 sqft
    2021-12-01 0 days 1,820 sqft
    2022-01-01 0 days 1,765 sqft
    2022-02-01 0 days 1,877 sqft
    2022-03-01 0 days 1,540 sqft
    2022-04-01 0 days 1,616 sqft
    2022-05-01 0 days 1,658 sqft
    2022-06-01 0 days 1,578 sqft
    2022-07-01 0 days 1,609 sqft
    2022-08-01 0 days 1,624 sqft
    2022-09-01 0 days 1,598 sqft
    2022-10-01 0 days 1,602 sqft
    2022-11-01 0 days 1,574 sqft
    2022-12-01 0 days 1,567 sqft
    2023-01-01 0 days 1,516 sqft
    2023-02-01 0 days 1,436 sqft
    2023-03-01 0 days 1,457 sqft
    2023-04-01 0 days 1,535 sqft
    2023-05-01 0 days 1,474 sqft
    2023-06-01 0 days 1,534 sqft
    2023-07-01 0 days 1,613 sqft
    2023-08-01 0 days 1,554 sqft
    2023-09-01 0 days 1,611 sqft
    2023-10-01 0 days 1,520 sqft
    2023-11-01 0 days 1,592 sqft
    2023-12-01 0 days 1,602 sqft
    2024-01-01 0 days 1,663 sqft
    2024-02-01 0 days 1,781 sqft
    2024-03-01 0 days 1,650 sqft
    2024-04-01 0 days 1,629 sqft
    2024-05-01 0 days 1,629 sqft
    2024-06-01 0 days 1,647 sqft
    2024-07-01 0 days 1,646 sqft
    2024-08-01 0 days 1,646 sqft
    2024-09-01 0 days 1,708 sqft
    2024-10-01 0 days 1,695 sqft
    2024-11-01 0 days 1,612 sqft
    2024-12-01 0 days 1,694 sqft
    2025-01-01 0 days 1,700 sqft
    2025-02-01 0 days 1,666 sqft
    2025-03-01 0 days 1,644 sqft
    Thomaston's median listing age (time on market) for 2025-03-01 was 0 days.

    Thomaston's median square footage for active listings during the 2025-03-01 period was 1,644 sqft. One year prior, the average listing was 1,650 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.