Huntsville VA Loan Rates, Closing Costs & Stats

Huntsville, TX

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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.

    Huntsville's 39 lenders originated 88 VA loans during 2024. The total origination value was $28,390,000, with an average VA loan value of $322,614.

    Huntsville VA Loans, 30 Year Fixed Rates

    30 Year VA mortgages in Huntsville averaged 6.87% for the week of 2025-07-18, compared to the national average (all VA variants) of 6.385% for the same period.

    Huntsville's average VA mortgage closing costs are $6,408.

    The average rate for the prior week (2025-07-11) was 6.86% and one month ago for the week of 2025-06-13, the average rate was 6.63%.

    The average rate one year ago was 6.53%.

    For refis of the same type during the week of 2025-07-18, the average rate was 6.39%.

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

    Huntsville 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 Huntsville level.

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    Mortgage Research Center, LLC 16 6.33% $5,658
    DHI MORTGAGE COMPANY, LTD. 8 4.84% $6,768
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 7 5.80% $7,847
    UNITED WHOLESALE MORTGAGE, LLC 5 6.47% $10,002
    MORTGAGE SOLUTIONS OF COLORADO, LLC 5 7.25% $1,939
    Flagstar Bank, FSB 3 5.83% $4,274
    QUICKEN LOANS, LLC 2 6.69% $8,693
    CROSSCOUNTRY MORTGAGE, LLC 2 6.88% $5,815
    VILLAGE CAPITAL MORTGAGE 2 5.75% $9,451
    MOVEMENT MORTGAGE, LLC 2 6.44% $8,450
    FREEDOM MORTGAGE CORPORATION 2 6.25% $5,184
    GUARANTEED RATE AFFINITY, LLC 2 6.00% $4,414
    NAVY FEDERAL CREDIT UNION 2 6.25% $3,127
    PENNYMAC LOAN SERVICES, LLC 2 6.19% $6,571
    MID AMERICA MORTGAGE, INC. 1 8.75% $8,451
    Mid-Continent Funding, Inc. 1 6.12% $4,001
    MORIA DEVELOPMENT, INC. 1 5.63% $15,769
    MORTGAGE FINANCIAL SERVICES, LLC 1 6.75% $6,610
    Mr. Cooper ( Nationstar Mortgage ) 1 6.25% $9,694
    NATIONS RELIABLE LENDING, LLC 1 5.80% $3,895
    Plains Commerce Bank 1 6.13% $8,801
    Residential Mortgage Solutions, Inc. 1 5.49% $7,392
    S1L, Inc. 1 7.13% $5,679
    SUCCESS MORTGAGE PARTNERS, INC. 1 7.13% $9,615
    TruHome Solutions, LLC 1 5.63% $13,193
    LOANDEPOT.COM, LLC 1 7.25% $6,676
    AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 1 6.25% $12,053
    BROKER SOLUTIONS, INC. 1 5.75% $11,090
    CLEARPATH LENDING 1 5.99% $3,945
    CORNERSTONE HOME LENDING, INC. 1 5.75% $6,853
    EUSTIS AND AMERICAN MORTGAGE COMPANY 1 7.25% $7,712
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 1 6.75% $2,018
    FBC MORTGAGE, LLC 1 6.75% $6,778
    GUILD MORTGAGE COMPANY 1 6.63% $9,795
    HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 1 6.63% $10,880
    HOMETRUST MORTGAGE COMPANY 1 6.25% $8,200
    INSPIRE HOME LOANS INC. 1 5.25% $1,515
    LAKEVIEW LOAN SERVICING, LLC 1 6.25% $5,207
    AMERICAN FINANCIAL RESOURCES, INC. 1 7.63% $8,212

    The top Huntsville VA lender as defined by loan originations is Mortgage Research Center, LLC, with 16 VA loans originated. Their average total fees are $5,658, which is $1,110 lower than the next largest lender, DHI MORTGAGE COMPANY, LTD..

    The lowest fee Huntsville VA lenders (with over 10 loans originated) are Mortgage Research Center, LLC ($5,658), .

    The lowest rate Huntsville VA lenders (with over 10 loans originated) are Mortgage Research Center, LLC (6.33%), .

    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.