Warner Robins VA Loan Rates, Closing Costs & Stats

WARNER ROBINS, GA

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.

Warner Robins's 115 lenders originated 1,071 VA loans during 2023. The total origination value was $321,095,000, with an average VA loan value of $299,809.

Warner Robins VA Loans, 30 Year Fixed Rates

30 Year VA mortgages in Warner Robins averaged 6.51% for the week of 2024-07-19, compared to the national average (all VA variants) of 6.303% for the same period.

Warner Robins's average VA mortgage closing costs are $5,512.

The average rate for the prior week (2024-07-12) was 6.46% and one month ago for the week of 2024-06-14, the average rate was 6.32%.

The average rate one year ago was 6.7%.

For refis of the same type during the week of 2024-07-19, the average rate was 6.15%.

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

Warner Robins 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 Warner Robins level.

Name # of Loans 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
Mortgage Research Center, LLC 153 6.75% $5,713
QUICKEN LOANS, LLC 64 6.31% $8,953
ATLANTIC BAY MORTGAGE GROUP, L.L.C. 52 6.17% $8,240
BROKER SOLUTIONS, INC. 51 6.21% $8,602
NAVY FEDERAL CREDIT UNION 47 5.68% $6,576
ACADEMY MORTGAGE CORPORATION 45 6.86% $9,005
UNITED WHOLESALE MORTGAGE, LLC 39 6.12% $8,748
GUILD MORTGAGE COMPANY 38 6.75% $9,417
PENNYMAC LOAN SERVICES, LLC 36 5.54% $6,662
Colony Bank 32 6.11% $6,068
USAA Federal Savings Bank 30 6.22% $9,458
GUARANTEED RATE, INC. 28 6.59% $6,577
DHI MORTGAGE COMPANY, LTD. 19 5.43% $6,550
NEW DAY FINANCIAL, LLC 17 7.53% $12,436
HOMESTAR FINANCIAL CORPORATION 17 6.10% $9,851
ServisFirst Bank 17 6.34% $10,468
FREEDOM MORTGAGE CORPORATION 15 6.68% $12,298
CANOPY MORTGAGE, LLC 15 6.33% $12,425
Mr. Cooper ( Nationstar Mortgage ) 13 6.00% $10,882
LOANDEPOT.COM, LLC 12 6.03% $11,314
PENTAGON FEDERAL CREDIT UNION 12 5.55% $9,321
Ameris Bank 12 6.26% $6,230
MORTGAGE SOLUTIONS OF COLORADO, LLC 12 7.41% $5,741
FBC MORTGAGE, LLC 11 5.77% $7,487
The Federal Savings Bank 10 6.53% $11,684
INSPIRE HOME LOANS INC. 10 5.70% $8,005
MOVEMENT MORTGAGE, LLC 9 6.69% $9,117
Renasant Bank 9 6.19% $8,851
NBKC BANK 8 6.13% $6,016
CARDINAL FINANCIAL 8 6.45% $8,813
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 8 6.66% $8,195
VILLAGE CAPITAL MORTGAGE 8 6.21% $9,163
AMERISAVE MORTGAGE CORPORATION 8 6.14% $12,807
PRIMELENDING, A PLAINSCAPITAL COMPANY 7 6.89% $7,040
CROSSCOUNTRY MORTGAGE, LLC 5 7.05% $7,047
NEWREZ LLC 5 6.45% $9,289
Equity Prime Mortgage LLC 5 7.35% $7,060
MUTUAL OF OMAHA MORTGAGE, INC. 5 6.55% $7,983
LAKEVIEW LOAN SERVICING, LLC 5 6.25% $9,176
VAN DYK MORTGAGE CORPORATION 4 6.66% $6,172
MILEND, INC. 4 6.47% $11,766
CONTOUR MORTGAGE CORPORATION 4 6.59% $13,768
Barrington Bank & Trust Company, N.A. 4 6.50% $5,764
ROBINS FINANCIAL 4 5.63% $6,519
HOMEBRIDGE FINANCIAL SERVICES, INC. 3 7.00% $7,155
Synovus Bank 3 6.17% $10,404
First Option Mortgage, LLC 3 6.13% $9,386
Magnolia Bank 3 6.50% $14,481
MEGASTAR FINANCIAL CORP. 3 7.21% $5,682
GUARANTEED RATE AFFINITY, LLC 2 6.31% $6,828
George Mason Mortgage, LLC 2 5.43% $14,692
Armed Forces Bank 2 6.13% $8,459
Gateway First Bank 2 7.00% $6,967
PLANET HOME LENDING, LLC 2 6.56% $11,573
AMERICAN FINANCIAL RESOURCES, INC. 2 6.75% $3,588
Keystone Funding, Inc. 2 5.50% $6,581
Lakeview Community Capital, LLC 2 6.25% $16,132
PREMIA MORTGAGE, LLC 2 5.75% $8,823
Flagstar Bank, FSB 2 6.72% $7,912
Century Mortgage Company DBA Century Lending Company 2 7.69% $5,143
Shamrock Home Loans, Inc. 2 6.25% $2,604
ROSS MORTGAGE CORPORATION 2 6.56% $9,396
CHURCHILL MORTGAGE CORPORATION 2 6.19% $5,066
First Federal Bank 2 6.56% $5,512
CMG MORTGAGE, INC. 2 6.19% $5,231
AMERICAN PACIFIC MORTGAGE CORPORATION 2 6.38% $6,815
SUN WEST MORTGAGE COMPANY, INC. 2 6.81% $11,882
OCMBC, INC. 2 6.25% $8,968
GUARANTY HOME MORTGAGE CORPORATION 2 6.00% $6,127
ZILLOW HOME LOANS, LLC 1 7.63% $3,826
ACOPIA, LLC 1 7.62% $689
Alcova Mortgage LLC 1 6.00% $650
AMERICAN FINANCIAL NETWORK, INC. 1 7.25% $5,304
American Security Mortgage Corp. 1 7.50% $11,641
ARK-LA-TEX FINANCIAL SERVICES, LLC. 1 7.25% $6,677
Assurance Financial Group, L.L.C. 1 6.63% $8,334
BancorpSouth 1 6.50% $8,388
Bank of England 1 6.63% $13,678
BAY EQUITY LLC 1 7.75% $16,660
CALIBER HOME LOANS, INC. 1 6.75% $6,308
Carrington Mortgage Services, LLC 1 5.63% $6,946
Credence Funding Corporation 1 6.50% $2,674
CRESCENT MORTGAGE COMPANY 1 5.75% $5,469
DELMAR FINANCIAL COMPANY 1 6.75% $8,419
EVERETT FINANCIAL, INC. 1 7.13% $8,633
FIRST COLONY MORTGAGE CORPORATION 1 6.75% $11,057
FIRST COMMUNITY MORTGAGE, INC. 1 6.13% $12,241
GENEVA FINANCIAL, LLC 1 6.13% $27,765
GMFS LLC 1 5.99% $4,213
HOMESIDE FINANCIAL, LLC 1 7.75% $14,380
Ixonia Bank 1 7.75% $4,178
LOANPAL, LLC 1 6.13% $9,241
Mid-Continent Funding, Inc. 1 7.25% $6,953
Mortgage Assurance Inc. 1 6.25% $6,836
NATIONS DIRECT MORTGAGE, LLC 1 7.25% $8,508
Nations Lending Corporation 1 7.50% $14,069
Paramount Residential Mortgage Group, Inc. 1 5.99% $12,283
Plains Commerce Bank 1 6.25% $6,163
Prosperity Home Mortgage, LLC 1 6.25% $4,318
RELIANCE FIRST CAPITAL, LLC 1 7.63% $3,951
RUOFF MORTGAGE COMPANY, INC. 1 6.75% $1,705
SECURITYNATIONAL MORTGAGE COMPANY 1 7.25% $7,946
SOUTHEAST MORTGAGE OF GEORGIA, INC. 1 7.63% $1,839
SOUTHPOINT FINANCIAL SERVICES, INC. 1 6.88% $5,267
SUMMIT FUNDING, INC. 1 7.25% $3,620
T2 FINANCIAL LLC 1 6.88% $15,625
The Central Trust Bank 1 5.75% $9,538
TOWNE MORTGAGE COMPANY 1 6.25% $19,329
Trustmark National Bank 1 7.75% $658
UNION HOME MORTGAGE CORP. 1 6.00% $4,627
VANDERBILT MORTGAGE AND FINANCE, INC. 1 5.75% $9,546
VERITAS FUNDING, LLC 1 7.13% $16,050
V.I.P. MORTGAGE, INC. 1 6.50% $22,318
Waterstone Mortgage Corporation 1 7.00% $11,361
Wells Fargo Bank 1 6.75% $2,965

The top Warner Robins VA lender as defined by loan originations is Mortgage Research Center, LLC, with 153 VA loans originated. Their average total fees are $5,713, which is $3,240 lower than the next largest lender, QUICKEN LOANS, LLC.

The lowest fee Warner Robins VA lenders (with over 10 loans originated) are Mortgage Research Center, LLC ($5,713), MORTGAGE SOLUTIONS OF COLORADO, LLC ($5,741), Colony Bank ($6,068), Ameris Bank ($6,230) and DHI MORTGAGE COMPANY, LTD. ($6,550).

The lowest rate Warner Robins VA lenders (with over 10 loans originated) are DHI MORTGAGE COMPANY, LTD. (5.43%), PENNYMAC LOAN SERVICES, LLC (5.54%), PENTAGON FEDERAL CREDIT UNION (5.55%), NAVY FEDERAL CREDIT UNION (5.68%) and INSPIRE HOME LOANS INC. (5.70%).


Market Conditions (Median, Average Prices & Listing Count)

Realtor.com - Warner Robins (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 $206,547 (28.1%) $209,250 (13.4%) 0.77 753
2018-02-01 $212,500 (28.9%) $214,155 (15.2%) 0.77 779
2018-03-01 $214,350 (26.5%) $215,839 (13.4%) 0.75 780
2018-04-01 $218,894 (22.9%) $218,506 (11.0%) 0.74 766
2018-05-01 $219,500 (18.7%) $220,858 (8.1%) 0.73 771
2018-06-01 $216,888 (14.5%) $218,416 (5.4%) 0.72 816
2018-07-01 $216,644 (11.2%) $218,970 (4.5%) 0.72 863
2018-08-01 $211,563 (11.0%) $216,572 (3.7%) 0.71 890
2018-09-01 $210,250 (7.5%) $211,864 (1.9%) 0.71 858
2018-10-01 $214,163 (8.2%) $213,473 (3.5%) 0.73 852
2018-11-01 $218,638 (12.0%) $218,846 (7.1%) 0.74 874
2018-12-01 $218,772 (10.0%) $217,429 (5.7%) 0.75 818
2019-01-01 $218,763 (5.9%) $213,332 (2.0%) 0.76 773
2019-02-01 $217,963 (2.6%) $212,970 (-0.6%) 0.74 759
2019-03-01 $212,064 (-1.1%) $214,072 (-0.8%) 0.69 768
2019-04-01 $208,150 (-4.9%) $217,076 (-0.7%) 0.66 808
2019-05-01 $199,950 (-8.9%) $215,426 (-2.5%) 0.62 813
2019-06-01 $215,000 (-0.9%) $221,906 (1.6%) 0.67 748
2019-07-01 $212,200 (-2.1%) $221,137 (1.0%) 0.66 750
2019-08-01 $215,264 (1.8%) $224,195 (3.5%) 0.68 760
2019-09-01 $219,559 (4.4%) $226,565 (6.9%) 0.70 767
2019-10-01 $218,473 (2.0%) $227,233 (6.5%) 0.70 744
2019-11-01 $213,000 (-2.6%) $223,218 (2.0%) 0.70 694
2019-12-01 $218,837 (0.0%) $230,499 (6.0%) 0.73 649
2020-01-01 $218,060 (-0.3%) $226,775 (6.3%) 0.73 636
2020-02-01 $217,450 (-0.2%) $225,746 (6.0%) 0.71 618
2020-03-01 $214,925 (1.4%) $228,632 (6.8%) 0.67 586
2020-04-01 $215,000 (3.3%) $229,869 (5.9%) 0.67 539
2020-05-01 $226,450 (13.3%) $233,992 (8.6%) 0.69 510
2020-06-01 $235,395 (9.5%) $238,352 (7.4%) 0.69 427
2020-07-01 $238,400 (12.4%) $242,885 (9.8%) 0.69 384
2020-08-01 $231,955 (7.8%) $240,039 (7.1%) 0.66 383
2020-09-01 $241,866 (10.2%) $248,675 (9.8%) 0.69 346
2020-10-01 $239,000 (9.4%) $254,792 (12.1%) 0.68 314
2020-11-01 $233,446 (9.6%) $249,920 (12.0%) 0.68 302
2020-12-01 $236,641 (8.1%) $252,897 (9.7%) 0.70 295
2021-01-01 $243,840 (11.8%) $265,517 (17.1%) 0.73 249
2021-02-01 $252,710 (16.2%) $273,611 (21.2%) 0.74 218
2021-03-01 $267,500 (24.5%) $282,985 (23.8%) 0.76 197
2021-04-01 $277,425 (29.0%) $299,073 (30.1%) 0.75 197
2021-05-01 $282,450 (24.7%) $294,037 (25.7%) 0.75 212
2021-06-01 $294,950 (25.3%) $305,666 (28.2%) 0.78 249
2021-07-01 $274,450 (15.1%) $296,435 (22.1%) 0.72 307
2021-08-01 $256,680 (10.7%) $281,196 (17.2%) 0.68 319
2021-09-01 $274,950 (13.7%) $288,225 (15.9%) 0.73 332
2021-10-01 $255,486 (6.9%) $280,443 (10.1%) 0.68 380
2021-11-01 $263,129 (12.7%) $290,150 (16.1%) 0.70 365
2021-12-01 $267,652 (13.1%) $286,151 (13.2%) 0.73 320
2022-01-01 $278,080 (14.0%) $289,639 (9.1%) 0.75 305
2022-02-01 $288,765 (14.3%) $305,484 (11.7%) 0.75 288
2022-03-01 $299,167 (11.8%) $312,473 (10.4%) 0.75 289
2022-04-01 $287,995 (3.8%) $308,240 (3.1%) 0.69 289
2022-05-01 $295,250 (4.5%) $313,389 (6.6%) 0.67 349
2022-06-01 $305,653 (3.6%) $316,683 (3.6%) 0.68 407
2022-07-01 $323,036 (17.7%) $337,969 (14.0%) 0.73 426
2022-08-01 $324,484 (26.4%) $333,742 (18.7%) 0.75 428
2022-09-01 $321,255 (16.8%) $326,607 (13.3%) 0.75 434
2022-10-01 $321,915 (26.0%) $328,522 (17.1%) 0.76 470
2022-11-01 $319,900 (21.6%) $319,328 (10.1%) 0.77 520
2022-12-01 $315,000 (17.7%) $318,784 (11.4%) 0.78 533
2023-01-01 $310,293 (11.6%) $328,148 (13.3%) 0.77 506
2023-02-01 $307,500 (6.5%) $328,117 (7.4%) 0.74 499
2023-03-01 $302,828 (1.2%) $325,765 (4.3%) 0.71 495
2023-04-01 $298,961 (3.8%) $322,568 (4.7%) 0.70 529
2023-05-01 $301,300 (2.1%) $332,156 (6.0%) 0.68 533
2023-06-01 $312,175 (2.1%) $327,983 (3.6%) 0.70 519
2023-07-01 $310,000 (-4.0%) $326,097 (-3.5%) 0.70 492
2023-08-01 $306,225 (-5.6%) $324,628 (-2.7%) 0.70 488
2023-09-01 $307,900 (-4.2%) $324,672 (-0.6%) 0.72 511
2023-10-01 $299,048 (-7.1%) $317,782 (-3.3%) 0.70 583
2023-11-01 $299,023 (-6.5%) $320,007 (0.2%) 0.71 635
2023-12-01 $296,690 (-5.8%) $315,189 (-1.1%) 0.72 650
2024-01-01 $295,970 (-4.6%) $313,577 (-4.4%) 0.72 603
2024-02-01 $294,270 (-4.3%) $311,311 (-5.1%) 0.71 593
2024-03-01 $294,453 (-2.8%) $313,737 (-3.7%) 0.69 588
2024-04-01 $299,575 (0.2%) $324,886 (0.7%) 0.70 533
2024-05-01 $310,425 (3.0%) $331,748 (-0.1%) 0.70 525
2024-06-01 $314,950 (0.9%) $345,185 (5.2%) 0.71 525
Warner Robins's median listing price for 2024-06-01 was $314,950, a difference of $2,775 (0.9%) versus the prior year and $4,525 versus the prior month.

Warner Robins's median listing price comes in at 71% of the national average.

Warner Robins's average listing price for 2024-06-01 was $345,185, a difference of $17,202 (5.2%) versus the prior year and $13,437 versus the prior month.

For the 2024-06-01 period, Warner Robins had 525 MLS listings, a difference of 0 listings (0%) versus the prior month and 6 listings (1%) versus the prior year.

Median Listing Time on Market & Square Footage

Realtor.com - Warner Robins (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Time on Market Median Square Footage
2018-01-01 80 days 2,268 sqft
2018-02-01 66 days 2,298 sqft
2018-03-01 54 days 2,316 sqft
2018-04-01 60 days 2,343 sqft
2018-05-01 66 days 2,364 sqft
2018-06-01 68 days 2,352 sqft
2018-07-01 63 days 2,327 sqft
2018-08-01 60 days 2,318 sqft
2018-09-01 72 days 2,321 sqft
2018-10-01 82 days 2,322 sqft
2018-11-01 83 days 2,346 sqft
2018-12-01 92 days 2,331 sqft
2019-01-01 97 days 2,307 sqft
2019-02-01 83 days 2,295 sqft
2019-03-01 71 days 2,305 sqft
2019-04-01 58 days 2,327 sqft
2019-05-01 60 days 2,307 sqft
2019-06-01 58 days 2,326 sqft
2019-07-01 59 days 2,294 sqft
2019-08-01 60 days 2,311 sqft
2019-09-01 62 days 2,317 sqft
2019-10-01 65 days 2,299 sqft
2019-11-01 69 days 2,246 sqft
2019-12-01 74 days 2,277 sqft
2020-01-01 75 days 2,262 sqft
2020-02-01 68 days 2,278 sqft
2020-03-01 60 days 2,221 sqft
2020-04-01 62 days 2,192 sqft
2020-05-01 66 days 2,270 sqft
2020-06-01 58 days 2,348 sqft
2020-07-01 49 days 2,372 sqft
2020-08-01 39 days 2,305 sqft
2020-09-01 51 days 2,339 sqft
2020-10-01 50 days 2,283 sqft
2020-11-01 42 days 2,263 sqft
2020-12-01 46 days 2,246 sqft
2021-01-01 54 days 2,330 sqft
2021-02-01 46 days 2,360 sqft
2021-03-01 28 days 2,415 sqft
2021-04-01 31 days 2,477 sqft
2021-05-01 29 days 2,486 sqft
2021-06-01 26 days 2,515 sqft
2021-07-01 30 days 2,471 sqft
2021-08-01 49 days 2,358 sqft
2021-09-01 41 days 2,306 sqft
2021-10-01 34 days 2,142 sqft
2021-11-01 47 days 2,234 sqft
2021-12-01 60 days 2,246 sqft
2022-01-01 55 days 2,178 sqft
2022-02-01 43 days 2,143 sqft
2022-03-01 46 days 2,202 sqft
2022-04-01 36 days 2,161 sqft
2022-05-01 23 days 1,985 sqft
2022-06-01 32 days 2,087 sqft
2022-07-01 43 days 2,250 sqft
2022-08-01 48 days 2,267 sqft
2022-09-01 53 days 2,184 sqft
2022-10-01 54 days 2,246 sqft
2022-11-01 54 days 2,193 sqft
2022-12-01 59 days 2,199 sqft
2023-01-01 64 days 2,183 sqft
2023-02-01 51 days 2,177 sqft
2023-03-01 47 days 2,119 sqft
2023-04-01 44 days 1,980 sqft
2023-05-01 51 days 2,205 sqft
2023-06-01 49 days 2,301 sqft
2023-07-01 56 days 2,186 sqft
2023-08-01 45 days 2,153 sqft
2023-09-01 46 days 2,159 sqft
2023-10-01 42 days 2,043 sqft
2023-11-01 47 days 2,021 sqft
2023-12-01 57 days 2,009 sqft
2024-01-01 62 days 1,972 sqft
2024-02-01 47 days 1,951 sqft
2024-03-01 45 days 1,947 sqft
2024-04-01 47 days 1,969 sqft
2024-05-01 44 days 2,056 sqft
2024-06-01 45 days 2,114 sqft
Warner Robins's median listing age (time on market) for 2024-06-01 was 45 days. This is -8% shorter than the same period one year ago.

Warner Robins's median square footage for active listings during the 2024-06-01 period was 2,114 sqft. One year prior, the average listing was 2,301 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.