Warner Robins VA Loans

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 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 146 lenders originated 2,992 VA loans during 2021. The total origination value was $702,870,000, with an average VA loan value of $234,916.

Warner Robins VA Loans, 30 Year Fixed Rates

30 Year VA mortgages in Warner Robins averaged 5.39% for the week of 2022-05-20, compared to the national average (all VA variants) of 5.143% for the same period.

The average rate for the prior week (2022-05-13) was 5.6% and one month ago for the week of 2022-04-15, the average rate was 5.36%.

The average rate one year ago was 3.05%.

For refis of the same type during the week of 2022-05-20, the average rate was 5.29%.

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 and rates for VA 30 Year Fixed Rate (purchase, first lien) mortgages originated by each lender at the Warner Robins level.

Name # of Loans 2021 Avg. 30yFix Rate 2021 Avg. Total Fees
Mortgage Research Center, LLC 304 2.89% $5,561
QUICKEN LOANS, LLC 225 2.52% $4,546
FREEDOM MORTGAGE CORPORATION 157 2.44% $2,302
PENNYMAC LOAN SERVICES, LLC 142 2.41% $4,846
ATLANTIC BAY MORTGAGE GROUP, L.L.C. 136 2.97% $7,012
BROKER SOLUTIONS, INC. 132 2.85% $5,906
USAA Federal Savings Bank 130 2.88% $4,247
NAVY FEDERAL CREDIT UNION 99 2.49% $4,415
LOANDEPOT.COM, LLC 75 2.75% $4,997
HOMESTAR FINANCIAL CORPORATION 74 2.93% $7,607
NEW DAY FINANCIAL, LLC 69 2.80% $6,719
VILLAGE CAPITAL & INVESTMENT LLC 65 2.30% $3,250
GUILD MORTGAGE COMPANY 62 3.01% $6,903
UNITED WHOLESALE MORTGAGE, LLC 45 2.48% $5,440
Wells Fargo Bank 41 2.40% $4,551
Colony Bank 38 2.59% $5,200
Ameris Bank 36 2.60% $6,657
CRESCENT MORTGAGE COMPANY 34 2.46% $4,395
HOMEBRIDGE FINANCIAL SERVICES, INC. 31 3.03% $5,952
HOME POINT FINANCIAL CORPORATION 28 2.42% $5,879
PENTAGON FEDERAL CREDIT UNION 26 2.34% $3,718
CALIBER HOME LOANS, INC. 26 2.44% $2,857
CLEARPATH LENDING 26 2.27% $3,347
LAKEVIEW LOAN SERVICING, LLC 25 2.51% $2,399
Mr. Cooper ( Nationstar Mortgage ) 24 2.87% $3,545
Truist Bank 24 2.67% $4,366
GUARANTY HOME MORTGAGE CORPORATION 22 2.66% $6,929
The Federal Savings Bank 20 2.61% $5,550
NEWREZ LLC 20 2.68% $3,233
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 16 3.02% $4,438
Low VA Rates, LLC 16 2.43% $3,455
Carrington Mortgage Services, LLC 16 3.40% $4,294
ANGEL OAK HOME LOANS LLC 15 2.84% $6,328
PRIMELENDING, A PLAINSCAPITAL COMPANY 15 3.19% $4,017
Barrington Bank & Trust Company, N.A. 15 2.75% $4,235
MUTUAL OF OMAHA MORTGAGE, INC. 14 3.29% $4,368
NBKC BANK 12 2.64% $4,404
AMERISAVE MORTGAGE CORPORATION 12 2.90% $7,563
ARK-LA-TEX FINANCIAL SERVICES, LLC. 12 3.09% $4,245
AMERICAN FINANCIAL NETWORK, INC. 11 2.41% $7,596
CROSSCOUNTRY MORTGAGE, LLC 11 2.99% $4,633
Lakeview Community Capital, LLC 11 2.66% $1,620
First Guaranty Mortgage Corporation 10 2.66% $3,019
HOMESPIRE MORTGAGE CORPORATION 9 2.96% $3,431
Synovus Bank 8 2.38% $5,053
STOCKTON MORTGAGE CORPORATION 8 3.13% $5,641
SOVEREIGN LENDING GROUP INCORPORATED 8 2.45% $3,460
InterContinental Capital Group, Inc 8 2.25% $3,076
SOUTHEAST MORTGAGE OF GEORGIA, INC. 7 3.09% $7,696
Mid-Continent Funding, Inc. 7 2.73% $5,407
Renasant Bank 7 2.96% $6,325
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP 7 3.09% $7,606
VANDERBILT MORTGAGE AND FINANCE, INC. 7 2.95% $7,320
TJC Mortgage, Inc. 6 2.21% $3,633
First Federal Bank 6 3.17% $7,319
GUARANTEED RATE, INC. 6 2.81% $2,905
PHH Mortgage Corporation 6 2.90% $5,004
ROBINS FINANCIAL 6 2.44% $6,938
PLANET HOME LENDING, LLC 5 2.50% $4,330
CERTAINTY HOME LOANS, LLC 5 2.52% $9,007
GUARANTEED RATE AFFINITY, LLC 5 2.78% $4,119
BNC National Bank 5 2.33% $2,157
MOVEMENT MORTGAGE, LLC 4 3.03% $6,479
AMERICAN PACIFIC MORTGAGE CORPORATION 4 2.75% $5,818
Magnolia Bank 4 2.47% $9,260
Flagstar Bank, FSB 4 2.59% $2,692
Equity Prime Mortgage LLC 4 3.44% $4,027
SECURITYNATIONAL MORTGAGE COMPANY 4 3.13% $5,889
KS StateBank 4 2.25% $3,753
CONTOUR MORTGAGE CORPORATION 3 3.38% $6,241
North American Savings Bank, F.S.B. 3 2.42% $1,643
NP, Inc. 3 2.29% $5,247
TOWNE MORTGAGE COMPANY 3 3.08% $2,922
PRIMARY RESIDENTIAL MORTGAGE, INC. 3 3.00% $4,122
AMERICAN FINANCING CORPORATION 3 2.71% $3,655
Commerce Home Mortgage, Inc. 3 3.00% $3,674
Paramount Residential Mortgage Group, Inc. 3 2.91% $7,740
THE MORTGAGE FIRM, INC. 3 3.13% $10,311
Paramount Bank 3 3.25% $5,374
OCMBC, INC. 2 2.50% $6,035
CHURCHILL MORTGAGE CORPORATION 2 3.00% $6,296
CityWorth Mortgage LLC 2 2.44% $4,631
Capital City Home Loans, LLC 2 2.94% $5,296
DAS Acquisition Company, LLC 2 2.81% $4,802
DIRECT LENDERS, LLC 2 2.25% $2,297
Cadence Bank, N.A. 2 2.75% $2,890
GMFS LLC 2 2.38% $1,685
BAYSHORE MORTGAGE FUNDING, LLC 2 3.13% $8,329
BAY EQUITY LLC 2 2.81% $11,223
LENDUS, LLC 2 2.81% $5,740
Manufacturers and Traders Trust Company 2 3.06% $5,616
NATIONS DIRECT MORTGAGE, LLC 2 3.12% $4,010
Northpointe Bank 2 3.13% $4,191
Progress Bank and Trust 2 2.25% $11,081
South State Bank 2 2.50% $8,247
SUCCESS MORTGAGE PARTNERS, INC. 2 2.75% $6,314
UNION HOME MORTGAGE CORP. 2 2.25% $4,325
VAN DYK MORTGAGE CORPORATION 2 2.44% $3,511
Watermark Capital, Inc. 2 2.38% $5,589
Wyndham Capital Mortgage, Inc. 2 2.25% $169
LOANPAL, LLC 1 2.88% $11,646
ACADEMY MORTGAGE CORPORATION 1 3.25% $3,131
KELLER MORTGAGE, LLC 1 3.25% $6,613
Amerifirst Financial, Inc. 1 2.75% $13,989
Bell Bank 1 2.88% $14,583
HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 1 3.25% $10,063
Hancock Whitney Bank 1 2.38% $9,295
PLAZA HOME MORTGAGE, INC. 1 2.25% $1,962
Presidential Bank, FSB 1 2.75% $1,973
George Mason Mortgage, LLC 1 2.49% $5,677
Prime Choice Funding Inc. 1 2.99% $1,766
Gateway First Bank 1 2.50% $12,350
Centennial Bank 1 2.25% $18,294
Prosperity Home Mortgage, LLC 1 2.38% $29,433
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 1 2.75% $7,434
RELIANCE FIRST CAPITAL, LLC 1 2.75% $9,129
First Savings Bank 1 2.25% $5,946
First Mortgage Solutions, LLC 1 2.50% $10,552
First-Citizens Bank & Trust Company 1 2.25% $7,841
ServisFirst Bank 1 2.63% $5,701
FirstBank 1 2.50% $8,110
SOUTHERN TRUST MORTGAGE, LLC 1 2.75% $6,004
ACOPIA, LLC 1 3.13% $877
FINANCE OF AMERICA MORTGAGE LLC 1 2.75% $7,664
FIDELITY BANK 1 2.75% $450
Alcova Mortgage LLC 1 2.88% $2,644
SUMMIT FUNDING, INC. 1 3.38% $3,830
FBC MORTGAGE, LLC 1 2.25% $1,496
The Central Trust Bank 1 2.63% $3,851
ENVOY MORTGAGE, LTD 1 3.00% $3,501
EMBRACE HOME LOANS, INC. 1 2.25% $3,396
DEVELOPER'S MORTGAGE COMPANY 1 2.75% $3,469
CALCON MUTUAL MORTGAGE LLC 1 4.13% $2,942
CREDIT UNION FINANCIAL SERVICES, LLC 1 2.75% $4,294
ZILLOW HOME LOANS, LLC 1 2.50% $8,740
United Community Bank 1 3.25% $5,720
Capital Bank 1 2.50% $1,518
CMG MORTGAGE, INC. 1 2.99% $14,783
NBH Bank 1 2.25% $936
Nations Lending Corporation 1 3.00% $10,181
MORTGAGE INVESTORS GROUP, INC. 1 3.75% $4,604
NFM, INC. 1 3.00% $7,665
MID AMERICA MORTGAGE, INC. 1 2.25% $3,485
U.S. Bank 1 2.25% $4,088
Meridian Bank Corporation 1 2.13% $3,390
OCEANSIDE MORTGAGE COMPANY 1 2.75% $557

The top Warner Robins VA lender as defined by loan originations is Mortgage Research Center, LLC, with 304 VA loans originated. Their average total fees are $5,561, which is $1,015 higher than the next largest lender, QUICKEN LOANS, LLC.

The lowest fee Warner Robins VA lenders (with over 10 loans originated) are Lakeview Community Capital, LLC ($1,620), FREEDOM MORTGAGE CORPORATION ($2,302), LAKEVIEW LOAN SERVICING, LLC ($2,399), CALIBER HOME LOANS, INC. ($2,857) and First Guaranty Mortgage Corporation ($3,019).

The lowest rate Warner Robins VA lenders (with over 10 loans originated) are CLEARPATH LENDING (2.27%), VILLAGE CAPITAL & INVESTMENT LLC (2.30%), PENTAGON FEDERAL CREDIT UNION (2.34%), Wells Fargo Bank (2.40%) and AMERICAN FINANCIAL NETWORK, INC. (2.41%).


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 $198,900 (26.3%) $209,943 (16.3%) 0.73 1,080
2018-02-01 $204,400 (26.4%) $213,275 (17.4%) 0.74 1,135
2018-03-01 $208,900 (26.6%) $214,715 (15.4%) 0.72 1,138
2018-04-01 $212,994 (26.0%) $216,782 (12.9%) 0.71 1,150
2018-05-01 $216,644 (19.9%) $219,808 (10.3%) 0.72 1,174
2018-06-01 $214,900 (16.2%) $219,191 (8.6%) 0.72 1,216
2018-07-01 $215,900 (16.7%) $219,801 (7.8%) 0.72 1,303
2018-08-01 $210,500 (11.7%) $219,037 (6.0%) 0.70 1,313
2018-09-01 $209,900 (10.5%) $214,284 (3.9%) 0.70 1,273
2018-10-01 $210,000 (8.1%) $214,426 (3.2%) 0.70 1,266
2018-11-01 $215,894 (12.0%) $217,989 (6.1%) 0.72 1,299
2018-12-01 $214,900 (10.5%) $213,940 (3.7%) 0.74 1,253
2019-01-01 $214,745 (8.0%) $213,201 (1.6%) 0.74 1,168
2019-02-01 $214,195 (4.8%) $212,521 (-0.4%) 0.72 1,142
2019-03-01 $205,671 (-1.6%) $212,304 (-1.1%) 0.67 1,126
2019-04-01 $200,000 (-6.1%) $213,489 (-1.5%) 0.63 1,167
2019-05-01 $199,950 (-7.7%) $213,959 (-2.7%) 0.62 1,174
2019-06-01 $214,500 (-0.2%) $221,563 (1.1%) 0.66 1,089
2019-07-01 $207,700 (-3.8%) $220,184 (0.2%) 0.65 1,094
2019-08-01 $212,043 (0.7%) $223,833 (2.2%) 0.67 1,076
2019-09-01 $214,950 (2.4%) $227,658 (6.2%) 0.68 1,054
2019-10-01 $214,950 (2.4%) $226,263 (5.5%) 0.69 1,133
2019-11-01 $215,000 (-0.4%) $226,912 (4.1%) 0.69 1,102
2019-12-01 $221,187 (2.9%) $230,418 (7.7%) 0.74 1,076
2020-01-01 $221,473 (3.1%) $228,433 (7.1%) 0.74 1,064
2020-02-01 $222,045 (3.7%) $227,825 (7.2%) 0.72 1,025
2020-03-01 $214,950 (4.5%) $229,205 (8.0%) 0.67 949
2020-04-01 $210,000 (5.0%) $230,610 (8.0%) 0.65 887
2020-05-01 $223,900 (12.0%) $233,468 (9.1%) 0.68 815
2020-06-01 $233,900 (9.0%) $239,694 (8.2%) 0.68 678
2020-07-01 $239,900 (15.5%) $244,040 (10.8%) 0.69 599
2020-08-01 $235,000 (10.8%) $239,879 (7.2%) 0.67 613
2020-09-01 $239,950 (11.6%) $245,032 (7.6%) 0.69 559
2020-10-01 $242,900 (13.0%) $249,982 (10.5%) 0.69 499
2020-11-01 $237,063 (10.3%) $249,518 (10.0%) 0.68 505
2020-12-01 $234,240 (5.9%) $244,679 (6.2%) 0.69 486
2021-01-01 $241,038 (8.8%) $256,250 (12.2%) 0.71 405
2021-02-01 $241,250 (8.7%) $259,433 (13.9%) 0.69 368
2021-03-01 $257,400 (19.8%) $270,377 (18.0%) 0.72 329
2021-04-01 $269,950 (28.6%) $289,954 (25.7%) 0.73 318
2021-05-01 $282,900 (26.4%) $293,914 (25.9%) 0.74 333
2021-06-01 $284,900 (21.8%) $300,927 (25.6%) 0.74 410
2021-07-01 $269,750 (12.4%) $291,810 (19.6%) 0.70 475
2021-08-01 $246,379 (4.8%) $273,290 (13.9%) 0.65 504
2021-09-01 $256,750 (7.0%) $282,047 (15.1%) 0.68 529
2021-10-01 $246,796 (1.6%) $273,015 (9.2%) 0.65 613
2021-11-01 $259,759 (9.6%) $280,132 (12.3%) 0.68 575
2021-12-01 $254,900 (8.8%) $277,775 (13.5%) 0.68 509
2022-01-01 $265,000 (9.9%) $284,653 (11.1%) 0.71 471
2022-02-01 $271,500 (12.5%) $300,321 (15.8%) 0.69 451
2022-03-01 $274,500 (6.6%) $300,692 (11.2%) 0.68 462
2022-04-01 $272,000 (0.8%) $298,585 (3.0%) 0.64 468
Warner Robins's median listing price for 2022-04-01 was $272,000, a difference of $2,050 (0.8%) versus the prior year and $-2,500 versus the prior month.

Warner Robins's median listing price comes in at 64% of the national average.

Warner Robins's average listing price for 2022-04-01 was $298,585, a difference of $8,631 (3.0%) versus the prior year and $-2,107 versus the prior month.

For the 2022-04-01 period, Warner Robins had 468 MLS listings, a difference of 6 listings (1%) versus the prior month and 150 listings (47%) 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 87 days 2,283 sqft
2018-02-01 71 days 2,307 sqft
2018-03-01 58 days 2,310 sqft
2018-04-01 64 days 2,340 sqft
2018-05-01 67 days 2,393 sqft
2018-06-01 72 days 2,379 sqft
2018-07-01 66 days 2,330 sqft
2018-08-01 64 days 2,334 sqft
2018-09-01 72 days 2,332 sqft
2018-10-01 83 days 2,332 sqft
2018-11-01 88 days 2,339 sqft
2018-12-01 93 days 2,326 sqft
2019-01-01 97 days 2,312 sqft
2019-02-01 92 days 2,310 sqft
2019-03-01 66 days 2,316 sqft
2019-04-01 64 days 2,325 sqft
2019-05-01 58 days 2,306 sqft
2019-06-01 59 days 2,310 sqft
2019-07-01 59 days 2,294 sqft
2019-08-01 59 days 2,305 sqft
2019-09-01 56 days 2,306 sqft
2019-10-01 61 days 2,293 sqft
2019-11-01 63 days 2,280 sqft
2019-12-01 68 days 2,296 sqft
2020-01-01 76 days 2,329 sqft
2020-02-01 67 days 2,347 sqft
2020-03-01 59 days 2,286 sqft
2020-04-01 62 days 2,210 sqft
2020-05-01 66 days 2,280 sqft
2020-06-01 58 days 2,395 sqft
2020-07-01 49 days 2,405 sqft
2020-08-01 42 days 2,316 sqft
2020-09-01 52 days 2,395 sqft
2020-10-01 50 days 2,392 sqft
2020-11-01 39 days 2,372 sqft
2020-12-01 45 days 2,277 sqft
2021-01-01 54 days 2,376 sqft
2021-02-01 48 days 2,334 sqft
2021-03-01 34 days 2,413 sqft
2021-04-01 36 days 2,500 sqft
2021-05-01 36 days 2,456 sqft
2021-06-01 34 days 2,504 sqft
2021-07-01 31 days 2,487 sqft
2021-08-01 49 days 2,208 sqft
2021-09-01 42 days 2,253 sqft
2021-10-01 36 days 2,012 sqft
2021-11-01 46 days 2,117 sqft
2021-12-01 56 days 2,112 sqft
2022-01-01 61 days 2,150 sqft
2022-02-01 45 days 2,000 sqft
2022-03-01 44 days 2,135 sqft
2022-04-01 39 days 2,076 sqft
Warner Robins's median listing age (time on market) for 2022-04-01 was 39 days. This is 8% longer than the same period one year ago.

Warner Robins's median square footage for active listings during the 2022-04-01 period was 2,076 sqft. One year prior, the average listing was 2,500 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.