Home Mortgage Loan Ratesin Virginia

Planning on purchasing a new home? FHA Loans offer low down payments, low closing costs, and are easier to qualify in regards to income or credit score. Use ERATE®'s rate chart to compare today's top rates in Virginia and find a lender that's the best fit for you. We recommend that you reach out to at least 2 to 3 mortgage lenders for your home loan to ensure you get the best rate and pricing.

(Last Updated: 08/09/2025)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
6.915% APR 5.625% Rate 45 day rate lock $1,843 Payment per month
0.625 Points$2,000 Points Fee
$9,595 Total Fees$7,595 Lender Fees
 30 Years FixedFHA Loan
7.126% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.888 Points$2,842 Points Fee
$8,442 Total Fees$5,600 Lender Fees
 30 Years FixedFHA Loan
7.502% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.787 Points$2,518 Points Fee
$8,818 Total Fees$6,300 Lender Fees
 30 Years FixedFHA Loan
0% down payment USDA Loan options
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As low as 0% down options & down payment assistance
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Rate data provided by RateUpdate.com. Displayed by ICB, a division of Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes and insurance premiums. Actual payments will be greater with taxes and insurance included. Rate and product details.
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