Warner Robins VA Loan Rates, Closing Costs & Stats

WARNER ROBINS, 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.

    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 6.19% for the week of 2024-12-13, compared to the national average (all VA variants) of 6.077% for the same period.

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

    The average rate for the prior week (2024-12-06) was 6.02% and one month ago for the week of 2024-11-08, the average rate was 6.22%.

    The average rate one year ago was 6.87%.

    For refis of the same type during the week of 2024-12-13, the average rate was 5.72%.

    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 $314,900 (0.9%) $344,068 (4.9%) 0.71 524
    2024-07-01 $315,623 (1.8%) $341,967 (4.9%) 0.72 529
    2024-08-01 $309,490 (1.1%) $332,918 (2.6%) 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
    Warner Robins's median listing price for 2024-11-01 was $295,000, a difference of $-4,023 (-1.4%) versus the prior year and $-1,918 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 2024-11-01 was $321,536, a difference of $1,529 (0.5%) versus the prior year and $-4,874 versus the prior month.

    For the 2024-11-01 period, Warner Robins had 559 MLS listings, a difference of 12 listings (2%) versus the prior month and -76 listings (-12%) 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 46 days 2,107 sqft
    2024-07-01 47 days 2,138 sqft
    2024-08-01 51 days 2,062 sqft
    2024-09-01 48 days 2,047 sqft
    2024-10-01 53 days 2,006 sqft
    2024-11-01 50 days 2,000 sqft
    Warner Robins's median listing age (time on market) for 2024-11-01 was 50 days. This is 8% longer than the same period one year ago.

    Warner Robins's median square footage for active listings during the 2024-11-01 period was 2,000 sqft. One year prior, the average listing was 2,021 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.