Wauchula VA Loan Rates, Closing Costs & Stats

Wauchula, FL

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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.

    Wauchula's 6 lenders originated 10 VA loans during 2023. The total origination value was $3,320,000, with an average VA loan value of $332,000.

    Wauchula VA Loans, 30 Year Fixed Rates

    30 Year VA mortgages in Wauchula averaged 0.31% for the week of 2024-11-15, compared to the national average (all VA variants) of 0% for the same period.

    Wauchula's average VA mortgage closing costs are $6,296.

    The average rate for the prior week (2024-11-08) was 6.61% and one month ago for the week of 2024-10-11, the average rate was 6.08%.

    The average rate one year ago was 7.27%.

    For refis of the same type during the week of 2024-11-15, the average rate was 0%.

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

    Wauchula 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 Wauchula level.

    Name # of Loans 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
    UNITED WHOLESALE MORTGAGE, LLC 3 6.17% $14,512
    Mortgage Research Center, LLC 1 7.13% $5,932
    NEW DAY FINANCIAL, LLC 1 7.38% $7,948
    PLANET HOME LENDING, LLC 1 6.75% $1,991
    QUICKEN LOANS, LLC 1 5.13% $40,169
    STOCKTON MORTGAGE CORPORATION 1 8.13% $10,933

    The top Wauchula VA lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with 3 VA loans originated. Their average total fees are $14,512, which is $8,581 higher than the next largest lender, Mortgage Research Center, LLC.

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

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

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Wauchula (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 $179,550 (11.4%) $238,242 (-6.1%) 0.00 34
    2018-02-01 $187,950 (10.6%) $224,823 (-15.7%) 0.00 28
    2018-03-01 $178,500 (-0.4%) $202,934 (-29.0%) 0.00 26
    2018-04-01 $182,500 (4.0%) $228,826 (-16.8%) 0.00 29
    2018-05-01 $237,375 (31.2%) $279,737 (1.3%) 0.00 28
    2018-06-01 $225,000 (26.6%) $261,195 (1.5%) 0.00 37
    2018-07-01 $214,475 (38.0%) $255,641 (17.1%) 0.00 40
    2018-08-01 $235,950 (41.3%) $283,035 (27.5%) 0.00 37
    2018-09-01 $209,900 (24.4%) $272,369 (21.7%) 0.00 38
    2018-10-01 $194,950 (2.6%) $252,463 (0.2%) 0.00 38
    2018-11-01 $192,750 (-6.2%) $242,801 (-4.2%) 0.00 46
    2018-12-01 $204,950 (4.6%) $275,298 (7.7%) 0.00 47
    2019-01-01 $224,975 (25.3%) $282,970 (18.8%) 0.00 45
    2019-02-01 $224,925 (19.7%) $333,576 (48.4%) 0.00 47
    2019-03-01 $251,707 (41.0%) $376,387 (85.5%) 0.00 42
    2019-04-01 $244,207 (33.8%) $392,543 (71.6%) 0.00 40
    2019-05-01 $219,900 (-7.4%) $376,318 (34.5%) 0.00 35
    2019-06-01 $222,400 (-1.2%) $352,518 (35.0%) 0.00 34
    2019-07-01 $203,675 (-5.0%) $316,265 (23.7%) 0.00 38
    2019-08-01 $216,291 (-8.3%) $321,734 (13.7%) 0.00 39
    2019-09-01 $218,377 (4.0%) $326,091 (19.7%) 0.00 42
    2019-10-01 $219,518 (12.6%) $327,281 (29.6%) 0.00 43
    2019-11-01 $219,900 (14.1%) $321,366 (32.4%) 0.00 43
    2019-12-01 $210,925 (2.9%) $325,530 (18.3%) 0.00 38
    2020-01-01 $227,700 (1.2%) $335,810 (18.7%) 0.00 35
    2020-02-01 $207,000 (-8.0%) $320,053 (-4.1%) 0.00 27
    2020-03-01 $181,175 (-28.0%) $289,065 (-23.2%) 0.00 24
    2020-04-01 $178,650 (-26.8%) $239,948 (-38.9%) 0.00 18
    2020-05-01 $199,000 (-9.5%) $245,576 (-34.7%) 0.00 21
    2020-06-01 $213,700 (-3.9%) $285,120 (-19.1%) 0.00 19
    2020-07-01 $219,700 (7.9%) $292,756 (-7.4%) 0.00 15
    2020-08-01 $249,500 (15.4%) $332,400 (3.3%) 0.00 11
    2020-09-01 $202,100 (-7.5%) $265,931 (-18.5%) 0.00 15
    2020-10-01 $194,450 (-11.4%) $264,147 (-19.3%) 0.00 18
    2020-11-01 $162,400 (-26.2%) $308,100 (-4.1%) 0.00 20
    2020-12-01 $180,925 (-14.2%) $302,989 (-6.9%) 0.00 22
    2021-01-01 $199,450 (-12.4%) $313,600 (-6.6%) 0.00 22
    2021-02-01 $191,700 (-7.4%) $320,160 (0.0%) 0.00 17
    2021-03-01 $253,950 (40.2%) $346,606 (19.9%) 0.00 15
    2021-04-01 $264,500 (48.1%) $423,673 (76.6%) 0.00 13
    2021-05-01 $292,250 (46.9%) $436,248 (77.6%) 0.00 16
    2021-06-01 $394,975 (84.8%) $451,906 (58.5%) 0.00 18
    2021-07-01 $412,500 (87.8%) $454,767 (55.3%) 0.00 20
    2021-08-01 $410,000 (64.3%) $445,644 (34.1%) 0.00 22
    2021-09-01 $442,500 (119.0%) $517,285 (94.5%) 0.00 21
    2021-10-01 $419,250 (115.6%) $500,671 (89.5%) 0.00 22
    2021-11-01 $412,125 (153.8%) $472,397 (53.3%) 0.00 19
    2021-12-01 $393,750 (117.6%) $491,081 (62.1%) 0.00 19
    2022-01-01 $395,000 (98.0%) $474,058 (51.2%) 0.00 17
    2022-02-01 $416,250 (117.1%) $533,818 (66.7%) 0.00 19
    2022-03-01 $435,000 (71.3%) $564,486 (62.9%) 0.00 19
    2022-04-01 $420,000 (58.8%) $538,389 (27.1%) 0.00 19
    2022-05-01 $401,250 (37.3%) $601,812 (38.0%) 0.00 20
    2022-06-01 $399,975 (1.3%) $554,126 (22.6%) 0.00 24
    2022-07-01 $280,000 (-32.1%) $418,605 (-8.0%) 0.00 42
    2022-08-01 $287,000 (-30.0%) $425,196 (-4.6%) 0.00 37
    2022-09-01 $298,825 (-32.5%) $434,548 (-16.0%) 0.00 33
    2022-10-01 $309,000 (-26.3%) $431,683 (-13.8%) 0.00 33
    2022-11-01 $294,750 (-28.5%) $461,736 (-2.3%) 0.00 30
    2022-12-01 $287,950 (-26.9%) $405,488 (-17.4%) 0.00 28
    2023-01-01 $302,425 (-23.4%) $424,220 (-10.5%) 0.00 32
    2023-02-01 $358,750 (-13.8%) $488,346 (-8.5%) 0.00 27
    2023-03-01 $308,675 (-29.0%) $494,969 (-12.3%) 0.00 25
    2023-04-01 $380,000 (-9.5%) $483,119 (-10.3%) 0.00 28
    2023-05-01 $344,950 (-14.0%) $451,121 (-25.0%) 0.00 27
    2023-06-01 $344,750 (-13.8%) $436,642 (-21.2%) 0.00 28
    2023-07-01 $352,500 (25.9%) $397,147 (-5.1%) 0.00 31
    2023-08-01 $327,750 (14.2%) $383,433 (-9.8%) 0.00 30
    2023-09-01 $399,900 (33.8%) $420,336 (-3.3%) 0.00 30
    2023-10-01 $312,400 (1.1%) $397,108 (-8.0%) 0.00 35
    2023-11-01 $326,175 (10.7%) $471,218 (2.1%) 0.00 37
    2023-12-01 $349,950 (21.5%) $475,520 (17.3%) 0.00 37
    2024-01-01 $398,425 (31.7%) $502,667 (18.5%) 0.00 35
    2024-02-01 $404,900 (12.9%) $454,796 (-6.9%) 0.00 35
    2024-03-01 $369,900 (19.8%) $421,886 (-14.8%) 0.00 35
    2024-04-01 $333,975 (-12.1%) $489,809 (1.4%) 0.00 45
    2024-05-01 $345,475 (0.2%) $510,018 (13.1%) 0.00 50
    2024-06-01 $399,900 (16.0%) $539,748 (23.6%) 0.00 45
    2024-07-01 $367,400 (4.2%) $529,665 (33.4%) 0.00 49
    2024-08-01 $388,500 (18.5%) $499,591 (30.3%) 0.00 47
    2024-09-01 $323,475 (-19.1%) $444,426 (5.7%) 0.00 44
    2024-10-01 $324,500 (3.9%) $436,289 (9.9%) 0.00 47
    Wauchula's median listing price for 2024-10-01 was $324,500, a difference of $12,100 (3.9%) versus the prior year and $1,025 versus the prior month.

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

    Wauchula's average listing price for 2024-10-01 was $436,289, a difference of $39,181 (9.9%) versus the prior year and $-8,137 versus the prior month.

    For the 2024-10-01 period, Wauchula had 47 MLS listings, a difference of 3 listings (7%) versus the prior month and 12 listings (34%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Wauchula (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 2,376 sqft
    2018-02-01 0 days 2,645 sqft
    2018-03-01 0 days 2,356 sqft
    2018-04-01 0 days 2,445 sqft
    2018-05-01 0 days 2,855 sqft
    2018-06-01 0 days 2,690 sqft
    2018-07-01 0 days 2,632 sqft
    2018-08-01 0 days 2,896 sqft
    2018-09-01 0 days 2,777 sqft
    2018-10-01 0 days 2,412 sqft
    2018-11-01 0 days 2,305 sqft
    2018-12-01 0 days 1,842 sqft
    2019-01-01 0 days 1,785 sqft
    2019-02-01 0 days 1,966 sqft
    2019-03-01 0 days 2,012 sqft
    2019-04-01 0 days 2,050 sqft
    2019-05-01 0 days 2,126 sqft
    2019-06-01 0 days 2,036 sqft
    2019-07-01 0 days 2,036 sqft
    2019-08-01 0 days 2,060 sqft
    2019-09-01 0 days 1,977 sqft
    2019-10-01 0 days 1,907 sqft
    2019-11-01 0 days 1,912 sqft
    2019-12-01 0 days 1,886 sqft
    2020-01-01 0 days 1,970 sqft
    2020-02-01 0 days 1,812 sqft
    2020-03-01 0 days 1,811 sqft
    2020-04-01 0 days 1,936 sqft
    2020-05-01 0 days 1,984 sqft
    2020-06-01 0 days 1,793 sqft
    2020-07-01 0 days 1,900 sqft
    2020-08-01 0 days 2,105 sqft
    2020-09-01 0 days 1,831 sqft
    2020-10-01 0 days 1,790 sqft
    2020-11-01 0 days 1,694 sqft
    2020-12-01 0 days 1,772 sqft
    2021-01-01 0 days 1,780 sqft
    2021-02-01 0 days 1,805 sqft
    2021-03-01 0 days 1,840 sqft
    2021-04-01 0 days 2,017 sqft
    2021-05-01 0 days 2,539 sqft
    2021-06-01 0 days 1,881 sqft
    2021-07-01 0 days 1,850 sqft
    2021-08-01 0 days 1,850 sqft
    2021-09-01 0 days 1,865 sqft
    2021-10-01 0 days 1,880 sqft
    2021-11-01 0 days 1,807 sqft
    2021-12-01 0 days 1,801 sqft
    2022-01-01 0 days 1,932 sqft
    2022-02-01 0 days 2,582 sqft
    2022-03-01 0 days 2,574 sqft
    2022-04-01 0 days 1,560 sqft
    2022-05-01 0 days 1,627 sqft
    2022-06-01 0 days 1,683 sqft
    2022-07-01 0 days 1,525 sqft
    2022-08-01 0 days 1,658 sqft
    2022-09-01 0 days 1,671 sqft
    2022-10-01 0 days 1,570 sqft
    2022-11-01 0 days 1,555 sqft
    2022-12-01 0 days 1,550 sqft
    2023-01-01 0 days 1,966 sqft
    2023-02-01 0 days 1,689 sqft
    2023-03-01 0 days 1,550 sqft
    2023-04-01 0 days 1,753 sqft
    2023-05-01 0 days 1,735 sqft
    2023-06-01 0 days 1,651 sqft
    2023-07-01 0 days 1,609 sqft
    2023-08-01 0 days 1,670 sqft
    2023-09-01 0 days 1,897 sqft
    2023-10-01 0 days 1,613 sqft
    2023-11-01 0 days 1,667 sqft
    2023-12-01 0 days 1,651 sqft
    2024-01-01 0 days 1,756 sqft
    2024-02-01 0 days 2,056 sqft
    2024-03-01 0 days 1,780 sqft
    2024-04-01 0 days 1,736 sqft
    2024-05-01 0 days 1,706 sqft
    2024-06-01 0 days 1,781 sqft
    2024-07-01 0 days 1,804 sqft
    2024-08-01 0 days 1,904 sqft
    2024-09-01 0 days 1,763 sqft
    2024-10-01 0 days 1,753 sqft
    Wauchula's median listing age (time on market) for 2024-10-01 was 0 days.

    Wauchula's median square footage for active listings during the 2024-10-01 period was 1,753 sqft. One year prior, the average listing was 1,613 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.