Home Mortgage Loan Ratesin Virginia

Planning on purchasing a new home? 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: 12/16/2025)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
5.851% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.775 Points$2,480 Points Fee
$3,530 Total Fees$1,050 Lender Fees
 30 Years Fixed
5.853% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.748 Points$2,394 Points Fee
$3,589 Total Fees$1,195 Lender Fees
 30 Years Fixed
5.868% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.975 Points$3,120 Points Fee
$4,120 Total Fees$1,000 Lender Fees
 30 Years Fixed
5.870% APR 5.750% Rate 15 day rate lock $1,868 Payment per month
0.685 Points$2,192 Points Fee
$4,187 Total Fees$1,995 Lender Fees
 30 Years Fixed
5.873% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
1.000 Points$3,200 Points Fee
$4,375 Total Fees$1,175 Lender Fees
 30 Years Fixed
5.878% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.813 Points$2,602 Points Fee
$4,489 Total Fees$1,887 Lender Fees
 30 Years Fixed
5.950% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.806 Points$2,579 Points Fee
$2,579 Total Fees$0 Lender Fees
 30 Years Fixed
5.953% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.840 Points$2,688 Points Fee
$2,688 Total Fees$0 Lender Fees
 30 Years Fixed
5.971% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.698 Points$2,234 Points Fee
$3,329 Total Fees$1,095 Lender Fees
 30 Years Fixed
5.986% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.580 Points$1,856 Points Fee
$3,856 Total Fees$2,000 Lender Fees
 30 Years Fixed
5.989% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.802 Points$2,566 Points Fee
$3,961 Total Fees$1,395 Lender Fees
 30 Years Fixed
6.073% APR 5.999% Rate 30 day rate lock $1,919 Payment per month
0.563 Points$1,802 Points Fee
$2,552 Total Fees$750 Lender Fees
 30 Years Fixed
6.111% APR 5.990% Rate 30 day rate lock $1,917 Payment per month
0.932 Points$2,982 Points Fee
$4,157 Total Fees$1,175 Lender Fees
 30 Years Fixed
6.127% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
1.000 Points$3,200 Points Fee
$4,527 Total Fees$1,327 Lender Fees
 30 Years Fixed
6.128% APR 6.000% Rate 45 day rate lock $1,919 Payment per month
0.750 Points$2,400 Points Fee
$4,395 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.221% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.809 Points$2,589 Points Fee
$3,289 Total Fees$700 Lender Fees
 30 Years Fixed
6.331% APR 6.240% Rate 30 day rate lock $1,969 Payment per month
0.967 Points$3,094 Points Fee
$3,094 Total Fees$0 Lender Fees
 30 Years Fixed
Get home in 2026 with a 0% down VA Loan
5.921% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.492 Points$1,574 Points Fee
$1,574 Total Fees$0 Lender Fees
 30 Years Fixed
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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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