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: 07/20/2025)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
7.002% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.527 Points$1,686 Points Fee
$8,336 Total Fees$6,650 Lender Fees
 30 Years FixedFHA Loan
7.058% APR 5.750% Rate 45 day rate lock $1,868 Payment per month
0.875 Points$2,800 Points Fee
$10,395 Total Fees$7,595 Lender Fees
 30 Years FixedFHA Loan
7.372% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.916 Points$2,931 Points Fee
$8,531 Total Fees$5,600 Lender Fees
 30 Years FixedFHA Loan
7.640% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.961 Points$3,075 Points Fee
$9,375 Total Fees$6,300 Lender Fees
 30 Years FixedFHA Loan
$0 down payment for Veterans homebuying with a VA Loan
0% down payment USDA Loan options
As low as 0% down options & down payment assistance
Numbers you can trust
PenFed membership is open to everyone, including you.
"Unlock Your Dream Home with Us!"
Updating Rates...
Updating Rates...
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.
Happy couple reviewing form