Thomasville VA Loan Rates, Closing Costs & Stats

Thomasville, GA

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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.

    Thomasville's 19 lenders originated 40 VA loans during 2023. The total origination value was $9,960,000, with an average VA loan value of $249,000.

    Thomasville VA Loans, 30 Year Fixed Rates

    30 Year VA mortgages in Thomasville averaged 6.35% for the week of 2025-02-14, compared to the national average (all VA variants) of 6.428% for the same period.

    Thomasville's average VA mortgage closing costs are $5,676.

    The average rate for the prior week (2025-02-07) was 6.69% and one month ago for the week of 2025-01-10, the average rate was 6.62%.

    The average rate one year ago was 6.55%.

    For refis of the same type during the week of 2025-02-14, the average rate was 6.23%.

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

    Thomasville 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 Thomasville level.

    Name # of Loans 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
    Mortgage Research Center, LLC 9 6.44% $4,290
    QUICKEN LOANS, LLC 4 5.72% $9,020
    Flagstar Bank, FSB 3 6.58% $5,810
    PENNYMAC LOAN SERVICES, LLC 3 5.38% $7,242
    GMFS LLC 2 5.56% $4,877
    NEW DAY FINANCIAL, LLC 2 7.50% $6,142
    MORTGAGE SOLUTIONS OF COLORADO, LLC 1 7.75% $650
    MOVEMENT MORTGAGE, LLC 1 6.25% $2,641
    Regions Bank 1 5.50% $9,686
    The Federal Savings Bank 1 6.75% $10,875
    UNITED WHOLESALE MORTGAGE, LLC 1 6.13% $7,156
    USAA Federal Savings Bank 1 6.13% $12,806
    CHURCHILL MORTGAGE CORPORATION 1 5.75% $7,406
    VAN DYK MORTGAGE CORPORATION 1 7.50% $15,240
    CORNERSTONE HOME LENDING, INC. 1 6.25% $9,356
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 1 5.75% $690
    FREEDOM MORTGAGE CORPORATION 1 6.75% $14,274
    HOMEBRIDGE FINANCIAL SERVICES, INC. 1 6.88% $1,556
    HomePromise Corporation 1 7.50% $10,617

    The top Thomasville VA lender as defined by loan originations is Mortgage Research Center, LLC, with 9 VA loans originated. Their average total fees are $4,290, which is $4,730 lower than the next largest lender, QUICKEN LOANS, LLC.

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

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

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Thomasville (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 $199,675 (17.5%) $257,755 (7.7%) 0.00 325
    2018-02-01 $199,900 (18.3%) $263,080 (12.2%) 0.00 327
    2018-03-01 $199,000 (17.1%) $258,095 (7.9%) 0.00 333
    2018-04-01 $193,650 (8.5%) $256,473 (1.1%) 0.00 331
    2018-05-01 $199,900 (6.6%) $259,570 (-1.1%) 0.00 350
    2018-06-01 $199,000 (0.1%) $259,608 (-2.6%) 0.00 356
    2018-07-01 $199,225 (0.1%) $261,426 (-4.6%) 0.00 359
    2018-08-01 $189,450 (-9.8%) $254,469 (-9.3%) 0.00 361
    2018-09-01 $192,400 (-12.1%) $265,908 (-3.6%) 0.00 347
    2018-10-01 $189,900 (-14.5%) $263,014 (-5.5%) 0.00 346
    2018-11-01 $186,500 (-14.5%) $254,511 (-6.0%) 0.00 349
    2018-12-01 $189,900 (-9.5%) $259,930 (2.0%) 0.00 344
    2019-01-01 $195,200 (-2.2%) $263,481 (2.2%) 0.00 327
    2019-02-01 $209,450 (4.8%) $274,032 (4.2%) 0.00 322
    2019-03-01 $212,043 (6.6%) $281,513 (9.1%) 0.00 307
    2019-04-01 $219,843 (13.5%) $297,429 (16.0%) 0.00 287
    2019-05-01 $218,475 (9.3%) $291,743 (12.4%) 0.00 280
    2019-06-01 $219,000 (10.1%) $291,769 (12.4%) 0.00 275
    2019-07-01 $224,950 (12.9%) $299,196 (14.5%) 0.00 278
    2019-08-01 $226,336 (19.5%) $307,523 (20.9%) 0.00 271
    2019-09-01 $228,341 (18.7%) $319,879 (20.3%) 0.00 266
    2019-10-01 $229,227 (20.7%) $327,437 (24.5%) 0.00 263
    2019-11-01 $220,000 (18.0%) $322,604 (26.8%) 0.00 267
    2019-12-01 $238,475 (25.6%) $319,061 (22.8%) 0.00 253
    2020-01-01 $239,700 (22.8%) $315,513 (19.8%) 0.00 244
    2020-02-01 $241,900 (15.5%) $325,687 (18.9%) 0.00 242
    2020-03-01 $239,900 (13.1%) $328,493 (16.7%) 0.00 239
    2020-04-01 $229,500 (4.4%) $312,580 (5.1%) 0.00 239
    2020-05-01 $224,900 (2.9%) $323,603 (10.9%) 0.00 222
    2020-06-01 $239,900 (9.5%) $330,494 (13.3%) 0.00 208
    2020-07-01 $239,675 (6.6%) $317,397 (6.1%) 0.00 202
    2020-08-01 $257,450 (13.8%) $338,267 (10.0%) 0.00 191
    2020-09-01 $269,450 (18.0%) $354,127 (10.7%) 0.00 180
    2020-10-01 $259,900 (13.4%) $329,608 (0.7%) 0.00 194
    2020-11-01 $256,950 (16.8%) $334,363 (3.7%) 0.00 198
    2020-12-01 $261,150 (9.5%) $350,729 (9.9%) 0.00 172
    2021-01-01 $279,000 (16.4%) $360,928 (14.4%) 0.00 162
    2021-02-01 $319,450 (32.1%) $370,894 (13.9%) 0.00 136
    2021-03-01 $324,175 (35.1%) $371,390 (13.1%) 0.00 123
    2021-04-01 $313,200 (36.5%) $373,621 (19.5%) 0.00 124
    2021-05-01 $299,900 (33.4%) $375,759 (16.1%) 0.00 107
    2021-06-01 $299,000 (24.6%) $380,756 (15.2%) 0.00 99
    2021-07-01 $259,900 (8.4%) $380,311 (19.8%) 0.00 99
    2021-08-01 $259,950 (1.0%) $367,399 (8.6%) 0.00 108
    2021-09-01 $271,450 (0.7%) $388,810 (9.8%) 0.00 113
    2021-10-01 $259,900 (0.0%) $388,203 (17.8%) 0.00 122
    2021-11-01 $261,200 (1.7%) $397,598 (18.9%) 0.00 128
    2021-12-01 $270,625 (3.6%) $402,251 (14.7%) 0.00 129
    2022-01-01 $265,000 (-5.0%) $394,722 (9.4%) 0.00 117
    2022-02-01 $255,325 (-20.1%) $406,243 (9.5%) 0.00 96
    2022-03-01 $268,675 (-17.1%) $425,911 (14.7%) 0.00 97
    2022-04-01 $259,250 (-17.2%) $409,762 (9.7%) 0.00 96
    2022-05-01 $269,900 (-10.0%) $408,383 (8.7%) 0.00 105
    2022-06-01 $263,675 (-11.8%) $376,475 (-1.1%) 0.00 123
    2022-07-01 $268,000 (3.1%) $360,387 (-5.2%) 0.00 144
    2022-08-01 $269,975 (3.9%) $360,854 (-1.8%) 0.00 156
    2022-09-01 $277,000 (2.0%) $371,061 (-4.6%) 0.00 159
    2022-10-01 $279,900 (7.7%) $365,207 (-5.9%) 0.00 169
    2022-11-01 $277,450 (6.2%) $355,947 (-10.5%) 0.00 172
    2022-12-01 $279,900 (3.4%) $349,190 (-13.2%) 0.00 153
    2023-01-01 $303,450 (14.5%) $362,879 (-8.1%) 0.00 141
    2023-02-01 $316,498 (24.0%) $355,855 (-12.4%) 0.00 143
    2023-03-01 $299,000 (11.3%) $344,636 (-19.1%) 0.00 131
    2023-04-01 $299,000 (15.3%) $365,080 (-10.9%) 0.00 137
    2023-05-01 $302,400 (12.0%) $361,275 (-11.5%) 0.00 139
    2023-06-01 $322,500 (22.3%) $373,715 (-0.7%) 0.00 141
    2023-07-01 $344,900 (28.7%) $428,411 (18.9%) 0.00 134
    2023-08-01 $349,900 (29.6%) $432,879 (20.0%) 0.00 145
    2023-09-01 $349,900 (26.3%) $437,230 (17.8%) 0.00 137
    2023-10-01 $339,900 (21.4%) $419,916 (15.0%) 0.00 151
    2023-11-01 $327,000 (17.9%) $395,844 (11.2%) 0.00 175
    2023-12-01 $329,700 (17.8%) $401,844 (15.1%) 0.00 164
    2024-01-01 $329,375 (8.5%) $393,715 (8.5%) 0.00 166
    2024-02-01 $313,250 (-1.0%) $377,719 (6.1%) 0.00 175
    2024-03-01 $307,200 (2.7%) $376,625 (9.3%) 0.00 177
    2024-04-01 $309,950 (3.7%) $386,092 (5.8%) 0.00 170
    2024-05-01 $324,950 (7.5%) $405,997 (12.4%) 0.00 176
    2024-06-01 $315,000 (-2.3%) $400,821 (7.3%) 0.00 181
    2024-07-01 $345,950 (0.3%) $420,108 (-1.9%) 0.00 161
    2024-08-01 $349,900 (0.0%) $415,486 (-4.0%) 0.00 174
    2024-09-01 $335,000 (-4.3%) $410,287 (-6.2%) 0.00 191
    2024-10-01 $329,225 (-3.1%) $408,788 (-2.7%) 0.00 198
    2024-11-01 $319,900 (-2.2%) $390,846 (-1.3%) 0.00 217
    2024-12-01 $305,000 (-7.5%) $399,700 (-0.5%) 0.00 215
    2025-01-01 $312,500 (-5.1%) $392,673 (-0.3%) 0.00 204
    Thomasville's median listing price for 2025-01-01 was $312,500, a difference of $-16,875 (-5.1%) versus the prior year and $7,500 versus the prior month.

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

    Thomasville's average listing price for 2025-01-01 was $392,673, a difference of $-1,042 (-0.3%) versus the prior year and $-7,027 versus the prior month.

    For the 2025-01-01 period, Thomasville had 204 MLS listings, a difference of -11 listings (-5%) versus the prior month and 38 listings (23%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Thomasville (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 2,003 sqft
    2018-02-01 0 days 1,996 sqft
    2018-03-01 0 days 1,964 sqft
    2018-04-01 0 days 1,923 sqft
    2018-05-01 0 days 1,920 sqft
    2018-06-01 0 days 1,925 sqft
    2018-07-01 0 days 1,902 sqft
    2018-08-01 0 days 1,845 sqft
    2018-09-01 0 days 1,848 sqft
    2018-10-01 0 days 1,851 sqft
    2018-11-01 0 days 1,851 sqft
    2018-12-01 0 days 1,853 sqft
    2019-01-01 0 days 1,888 sqft
    2019-02-01 0 days 1,901 sqft
    2019-03-01 0 days 1,945 sqft
    2019-04-01 0 days 2,005 sqft
    2019-05-01 0 days 1,923 sqft
    2019-06-01 0 days 1,962 sqft
    2019-07-01 0 days 2,032 sqft
    2019-08-01 0 days 2,053 sqft
    2019-09-01 0 days 2,062 sqft
    2019-10-01 0 days 2,067 sqft
    2019-11-01 0 days 2,041 sqft
    2019-12-01 0 days 2,064 sqft
    2020-01-01 0 days 2,051 sqft
    2020-02-01 0 days 2,064 sqft
    2020-03-01 0 days 1,999 sqft
    2020-04-01 0 days 1,964 sqft
    2020-05-01 0 days 2,035 sqft
    2020-06-01 0 days 2,019 sqft
    2020-07-01 0 days 1,982 sqft
    2020-08-01 0 days 2,145 sqft
    2020-09-01 0 days 2,216 sqft
    2020-10-01 0 days 2,057 sqft
    2020-11-01 0 days 2,073 sqft
    2020-12-01 0 days 2,101 sqft
    2021-01-01 0 days 2,221 sqft
    2021-02-01 0 days 2,271 sqft
    2021-03-01 0 days 2,225 sqft
    2021-04-01 0 days 2,205 sqft
    2021-05-01 0 days 2,273 sqft
    2021-06-01 0 days 2,237 sqft
    2021-07-01 0 days 2,150 sqft
    2021-08-01 0 days 2,182 sqft
    2021-09-01 0 days 2,231 sqft
    2021-10-01 0 days 2,165 sqft
    2021-11-01 0 days 2,066 sqft
    2021-12-01 0 days 2,123 sqft
    2022-01-01 0 days 2,117 sqft
    2022-02-01 0 days 2,126 sqft
    2022-03-01 0 days 2,109 sqft
    2022-04-01 0 days 1,904 sqft
    2022-05-01 0 days 1,952 sqft
    2022-06-01 0 days 1,919 sqft
    2022-07-01 0 days 1,848 sqft
    2022-08-01 0 days 1,825 sqft
    2022-09-01 0 days 1,874 sqft
    2022-10-01 0 days 1,885 sqft
    2022-11-01 0 days 1,830 sqft
    2022-12-01 0 days 1,788 sqft
    2023-01-01 0 days 1,811 sqft
    2023-02-01 0 days 1,790 sqft
    2023-03-01 0 days 1,749 sqft
    2023-04-01 0 days 1,765 sqft
    2023-05-01 0 days 1,727 sqft
    2023-06-01 0 days 1,751 sqft
    2023-07-01 0 days 1,885 sqft
    2023-08-01 0 days 1,928 sqft
    2023-09-01 0 days 1,980 sqft
    2023-10-01 0 days 1,923 sqft
    2023-11-01 0 days 1,894 sqft
    2023-12-01 0 days 1,914 sqft
    2024-01-01 0 days 1,930 sqft
    2024-02-01 0 days 1,909 sqft
    2024-03-01 0 days 1,845 sqft
    2024-04-01 0 days 1,848 sqft
    2024-05-01 0 days 1,894 sqft
    2024-06-01 0 days 1,894 sqft
    2024-07-01 0 days 1,997 sqft
    2024-08-01 0 days 1,921 sqft
    2024-09-01 0 days 1,884 sqft
    2024-10-01 0 days 1,868 sqft
    2024-11-01 0 days 1,827 sqft
    2024-12-01 0 days 1,815 sqft
    2025-01-01 0 days 1,816 sqft
    Thomasville's median listing age (time on market) for 2025-01-01 was 0 days.

    Thomasville's median square footage for active listings during the 2025-01-01 period was 1,816 sqft. One year prior, the average listing was 1,930 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.