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 1,513 VA loans during 2024. The total origination value was $477,585,000, with an average VA loan value of $315,654.

Warner Robins VA Loans, 30 Year Fixed Rates

30 Year VA mortgages in Warner Robins averaged 6.32% for the week of 2025-04-04, compared to the national average (all VA variants) of 6.06% for the same period.

Warner Robins's average VA mortgage closing costs are $5,768.

The average rate for the prior week (2025-03-28) was 6.54% and one month ago for the week of 2025-02-28, the average rate was 6.22%.

The average rate one year ago was 6.53%.

For refis of the same type during the week of 2025-04-04, the average rate was 6%.

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 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
Mortgage Research Center, LLC 236 6.45% $5,706
UNITED WHOLESALE MORTGAGE, LLC 122 5.96% $8,003
QUICKEN LOANS, LLC 113 6.12% $8,935
FREEDOM MORTGAGE CORPORATION 73 6.16% $7,094
GUILD MORTGAGE COMPANY 65 6.44% $11,134
PENNYMAC LOAN SERVICES, LLC 46 5.73% $7,202
NAVY FEDERAL CREDIT UNION 46 5.93% $5,231
Synovus Bank 44 5.98% $8,917
USAA Federal Savings Bank 43 6.30% $7,812
ATLANTIC BAY MORTGAGE GROUP, L.L.C. 40 6.26% $7,857
BROKER SOLUTIONS, INC. 34 6.43% $7,922
Colony Bank 30 6.38% $7,130
CANOPY MORTGAGE, LLC 26 6.26% $13,633
GUARANTEED RATE, INC. 25 6.19% $6,072
FBC MORTGAGE, LLC 25 5.42% $5,554
NEW DAY FINANCIAL, LLC 24 7.63% $12,342
NEWREZ LLC 22 5.91% $6,049
VILLAGE CAPITAL MORTGAGE 20 6.02% $6,253
DHI MORTGAGE COMPANY, LTD. 19 5.55% $5,471
MORTGAGE SOLUTIONS OF COLORADO, LLC 17 6.95% $4,812
FIRST COLONY MORTGAGE CORPORATION 16 5.99% $12,468
PLANET HOME LENDING, LLC 15 5.66% $5,387
LOANDEPOT.COM, LLC 15 5.77% $8,426
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 15 6.65% $5,914
INSPIRE HOME LOANS INC. 14 5.32% $5,749
CROSSCOUNTRY MORTGAGE, LLC 14 6.17% $5,700
Alcova Mortgage LLC 13 6.45% $8,134
ServisFirst Bank 12 6.22% $6,923
The Federal Savings Bank 11 6.17% $11,790
MUTUAL OF OMAHA MORTGAGE, INC. 11 6.33% $9,181
Mr. Cooper ( Nationstar Mortgage ) 10 6.06% $9,247
Barrington Bank & Trust Company, N.A. 10 6.26% $5,667
Ameris Bank 9 5.97% $6,796
Renasant Bank 7 5.91% $16,825
VANDERBILT MORTGAGE AND FINANCE, INC. 6 5.96% $6,362
NBKC BANK 6 5.56% $5,067
CLEARPATH LENDING 6 5.44% $3,394
Flagstar Bank, FSB 6 6.10% $4,171
Lakeview Community Capital, LLC 6 5.90% $4,601
PENTAGON FEDERAL CREDIT UNION 6 5.94% $11,263
Century Mortgage Company DBA Century Lending Company 5 6.70% $4,533
Equity Prime Mortgage LLC 5 6.58% $9,902
SUN WEST MORTGAGE COMPANY, INC. 4 6.28% $9,625
CMG MORTGAGE, INC. 4 6.22% $13,017
PLAZA HOME MORTGAGE, INC. 4 6.47% $10,900
MOVEMENT MORTGAGE, LLC 4 6.56% $11,479
Carrington Mortgage Services, LLC 4 6.31% $6,236
First Federal Bank 4 5.56% $5,857
ARK-LA-TEX FINANCIAL SERVICES, LLC. 4 6.03% $6,553
AMERISAVE MORTGAGE CORPORATION 4 5.91% $13,523
EMM LOANS LLC 3 6.17% $5,393
CARDINAL FINANCIAL 3 6.16% $10,699
TOWNE MORTGAGE COMPANY 3 7.21% $5,050
Wells Fargo Bank 3 6.75% $16,341
MILEND, INC. 3 6.71% $9,207
Keystone Funding, Inc. 3 6.21% $8,515
Paramount Residential Mortgage Group, Inc. 2 6.31% $8,081
American Mortgage & Equity Consultants, Inc. 2 6.00% $8,711
AmeriHome Mortgage Company, LLC 2 5.81% $8,481
Capital Bank 2 6.38% $12,616
CityWorth Mortgage LLC 2 6.44% $7,317
CONTOUR MORTGAGE CORPORATION 2 5.75% $2,475
Credence Funding Corporation 2 5.06% $9,653
FIRST COMMUNITY MORTGAGE, INC. 2 6.31% $6,264
LAKEVIEW LOAN SERVICING, LLC 2 5.88% $5,239
Magnolia Bank 2 5.88% $8,441
Mid-Continent Funding, Inc. 2 5.75% $7,969
MORTGAGE INVESTORS GROUP, INC. 2 6.12% $10,950
Nations Lending Corporation 2 6.00% $8,830
ACOPIA, LLC 2 6.75% $3,424
PHH Mortgage Corporation 2 5.56% $6,257
PREMIA MORTGAGE, LLC 2 5.56% $3,631
RELIANCE FIRST CAPITAL, LLC 2 7.19% $5,186
The Loan Store, Inc. 2 6.69% $9,110
Truist 2 6.30% $6,211
U.S. Bank 2 5.94% $5,986
LIBERTY HOME MORTGAGE CORPORATION 1 5.75% $14,377
JPMorgan Chase Bank 1 6.25% $6,020
VAN DYK MORTGAGE CORPORATION 1 7.13% $7,145
PREMIER MORTGAGE RESOURCES, L.L.C. 1 6.25% $8,783
Presidential Bank, FSB 1 7.00% $9,321
PRIMELENDING, A PLAINSCAPITAL COMPANY 1 6.75% $3,815
Ixonia Bank 1 5.75% $3,787
Regions Bank 1 6.25% $5,593
BancorpSouth 1 6.75% $2,433
HOMESIDE FINANCIAL, LLC 1 5.75% $6,336
ROBINS FINANCIAL 1 6.38% $17,288
RUOFF MORTGAGE COMPANY, INC. 1 6.13% $9,481
SENTE MORTGAGE, INC. 1 6.25% $13,870
HOMEBRIDGE FINANCIAL SERVICES, INC. 1 6.25% $1,482
SHELTER HOME MORTGAGE, LLC 1 6.75% $5,026
SOUTHEAST MORTGAGE OF GEORGIA, INC. 1 5.75% $9,290
South State Bank 1 5.25% $10,656
SOUTHWEST FUNDING, LP 1 6.63% $11,041
SOVEREIGN LENDING GROUP INCORPORATED 1 6.25% $5,091
SUMMIT FUNDING, INC. 1 6.75% $10,014
GERSHMAN INVESTMENT CORP. 1 6.13% $8
SWBC MORTGAGE CORPORATION 1 4.50% $2,785
FIRST HOME MORTGAGE CORPORATION 1 6.75% $9,952
FIRST ALLIANCE HOME MORTGAGE, LLC 1 5.63% $5,044
Waterstone Mortgage Corporation 1 5.75% $7,007
ENDEAVOR CAPITAL, LLC. 1 7.25% $5,810
AMERICAN FINANCIAL RESOURCES, INC. 1 7.25% $5,673
UNION HOME MORTGAGE CORP. 1 6.13% $6,021
United Community Bank 1 6.63% $2,151
CRESCENT MORTGAGE COMPANY 1 5.88% $4,843
Blue Ridge Bank 1 5.63% $4,963
ZILLOW HOME LOANS, LLC 1 6.75% $3,137
NFM, INC. 1 5.50% $17,395
OCMBC, INC. 1 6.25% $3,039
US MORTGAGE CORPORATION 1 7.25% $19,565
MSA MORTGAGE, LLC 1 6.25% $11,811
LOANPAL, LLC 1 6.50% $1,771
BANKSOUTH MORTGAGE COMPANY, LLC 1 7.00% $5,800
Plains Commerce Bank 1 6.25% $4,512

The top Warner Robins VA lender as defined by loan originations is Mortgage Research Center, LLC, with 236 VA loans originated. Their average total fees are $5,706, which is $2,297 lower than the next largest lender, UNITED WHOLESALE MORTGAGE, LLC.

The lowest fee Warner Robins VA lenders (with over 10 loans originated) are MORTGAGE SOLUTIONS OF COLORADO, LLC ($4,812), NAVY FEDERAL CREDIT UNION ($5,231), PLANET HOME LENDING, LLC ($5,387), DHI MORTGAGE COMPANY, LTD. ($5,471) and FBC MORTGAGE, LLC ($5,554).

The lowest rate Warner Robins VA lenders (with over 10 loans originated) are INSPIRE HOME LOANS INC. (5.32%), FBC MORTGAGE, LLC (5.42%), DHI MORTGAGE COMPANY, LTD. (5.55%), PLANET HOME LENDING, LLC (5.66%) and PENNYMAC LOAN SERVICES, LLC (5.73%).


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 (28.3%) $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 (13.5%) 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%) $215,778 (-2.3%) 0.62 814
2019-06-01 $215,000 (-0.9%) $222,252 (1.8%) 0.67 749
2019-07-01 $212,300 (-2.0%) $221,478 (1.2%) 0.66 751
2019-08-01 $215,264 (1.8%) $224,405 (3.6%) 0.68 761
2019-09-01 $219,559 (4.4%) $226,657 (7.0%) 0.70 767
2019-10-01 $218,473 (2.0%) $227,246 (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 (8.4%) 0.69 510
2020-06-01 $235,670 (9.6%) $238,615 (7.4%) 0.69 426
2020-07-01 $238,550 (12.4%) $243,181 (9.8%) 0.69 383
2020-08-01 $232,228 (7.9%) $240,329 (7.1%) 0.67 382
2020-09-01 $242,400 (10.4%) $249,041 (9.9%) 0.69 345
2020-10-01 $239,450 (9.6%) $255,220 (12.3%) 0.69 313
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 (25.2%) $305,666 (28.1%) 0.78 249
2021-07-01 $274,450 (15.1%) $296,435 (21.9%) 0.72 307
2021-08-01 $257,180 (10.7%) $281,534 (17.2%) 0.69 319
2021-09-01 $274,950 (13.4%) $288,225 (15.7%) 0.73 332
2021-10-01 $255,486 (6.7%) $280,443 (9.9%) 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 $294,658 (4.3%) $313,247 (6.5%) 0.67 350
2022-06-01 $305,653 (3.6%) $316,551 (3.6%) 0.68 408
2022-07-01 $323,036 (17.7%) $337,969 (14.0%) 0.73 426
2022-08-01 $324,484 (26.2%) $333,742 (18.5%) 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%) 0.70 530
2023-05-01 $301,300 (2.3%) $332,156 (6.0%) 0.68 534
2023-06-01 $312,175 (2.1%) $327,983 (3.6%) 0.70 519
2023-07-01 $310,950 (-3.7%) $326,248 (-3.5%) 0.71 491
2023-08-01 $306,450 (-5.6%) $324,772 (-2.7%) 0.70 487
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 $309,295 (2.7%) $331,209 (-0.3%) 0.70 526
2024-06-01 $309,490 (-0.9%) $341,741 (4.2%) 0.70 524
2024-07-01 $315,623 (1.5%) $341,967 (4.8%) 0.72 529
2024-08-01 $309,490 (1.0%) $332,918 (2.5%) 0.72 549
2024-09-01 $299,950 (-2.6%) $330,727 (1.9%) 0.71 572
2024-10-01 $296,918 (-0.7%) $326,410 (2.7%) 0.70 547
2024-11-01 $295,000 (-1.4%) $321,536 (0.5%) 0.71 559
2024-12-01 $299,425 (0.9%) $332,043 (5.4%) 0.74 537
2025-01-01 $299,450 (1.2%) $331,381 (5.7%) 0.75 528
2025-02-01 $302,616 (2.8%) $337,564 (8.4%) 0.73 497
2025-03-01 $299,825 (1.8%) $322,747 (2.9%) 0.00 579
Warner Robins's median listing price for 2025-03-01 was $299,825, a difference of $5,372 (1.8%) versus the prior year and $-2,791 versus the prior month.

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

Warner Robins's average listing price for 2025-03-01 was $322,747, a difference of $9,010 (2.9%) versus the prior year and $-14,817 versus the prior month.

For the 2025-03-01 period, Warner Robins had 579 MLS listings, a difference of 82 listings (16%) versus the prior month and -9 listings (-2%) 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 2,272 sqft
2018-02-01 66 days 2,299 sqft
2018-03-01 54 days 2,320 sqft
2018-04-01 60 days 2,345 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 2,327 sqft
2019-07-01 59 days 2,296 sqft
2019-08-01 60 days 2,312 sqft
2019-09-01 62 days 2,318 sqft
2019-10-01 65 days 2,298 sqft
2019-11-01 69 days 2,245 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 2,346 sqft
2020-07-01 49 days 2,369 sqft
2020-08-01 39 days 2,298 sqft
2020-09-01 50 days 2,336 sqft
2020-10-01 49 days 2,267 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 2,421 sqft
2021-04-01 31 days 2,478 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 2,366 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 1,982 sqft
2022-06-01 33 days 2,081 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 2,184 sqft
2023-02-01 51 days 2,180 sqft
2023-03-01 47 days 2,121 sqft
2023-04-01 44 days 1,984 sqft
2023-05-01 51 days 2,205 sqft
2023-06-01 49 days 2,301 sqft
2023-07-01 56 days 2,187 sqft
2023-08-01 45 days 2,155 sqft
2023-09-01 46 days 2,156 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 1,973 sqft
2024-05-01 44 days 2,055 sqft
2024-06-01 47 days 2,096 sqft
2024-07-01 47 days 2,142 sqft
2024-08-01 51 days 2,062 sqft
2024-09-01 48 days 2,046 sqft
2024-10-01 53 days 2,006 sqft
2024-11-01 50 days 2,000 sqft
2024-12-01 55 days 2,001 sqft
2025-01-01 63 days 1,992 sqft
2025-02-01 62 days 2,062 sqft
2025-03-01 0 days 2,001 sqft
Warner Robins's median listing age (time on market) for 2025-03-01 was 0 days. This is -100% shorter than the same period one year ago.

Warner Robins's median square footage for active listings during the 2025-03-01 period was 2,001 sqft. One year prior, the average listing was 1,947 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.