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: 10/17/2025)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
5.635% APR 5.500% Rate 30 day rate lock $1,817 Payment per month
0.500 Points$1,600 Points Fee
$4,800 Total Fees$3,200 Lender Fees
 30 Years Fixed
5.725% APR 5.625% Rate 30 day rate lock $1,843 Payment per month
0.775 Points$2,480 Points Fee
$3,530 Total Fees$1,050 Lender Fees
 30 Years Fixed
5.733% APR 5.625% Rate 15 day rate lock $1,843 Payment per month
0.566 Points$1,811 Points Fee
$3,806 Total Fees$1,995 Lender Fees
 30 Years Fixed
5.742% APR 5.625% Rate 30 day rate lock $1,843 Payment per month
0.975 Points$3,120 Points Fee
$4,120 Total Fees$1,000 Lender Fees
 30 Years Fixed
5.747% APR 5.625% Rate 30 day rate lock $1,843 Payment per month
1.000 Points$3,200 Points Fee
$4,375 Total Fees$1,175 Lender Fees
 30 Years Fixed
5.747% APR 5.625% Rate 35 day rate lock $1,843 Payment per month
0.875 Points$2,800 Points Fee
$4,290 Total Fees$1,490 Lender Fees
 30 Years Fixed
5.832% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.897 Points$2,870 Points Fee
$2,870 Total Fees$0 Lender Fees
 30 Years Fixed
5.847% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.688 Points$2,202 Points Fee
$3,397 Total Fees$1,195 Lender Fees
 30 Years Fixed
5.870% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.968 Points$3,098 Points Fee
$4,193 Total Fees$1,095 Lender Fees
 30 Years Fixed
5.882% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.819 Points$2,621 Points Fee
$4,621 Total Fees$2,000 Lender Fees
 30 Years Fixed
5.938% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.678 Points$2,170 Points Fee
$2,170 Total Fees$0 Lender Fees
 30 Years Fixed
5.980% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.534 Points$1,709 Points Fee
$3,704 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.002% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.786 Points$2,515 Points Fee
$4,403 Total Fees$1,888 Lender Fees
 30 Years Fixed
6.080% APR 5.990% Rate 30 day rate lock $1,917 Payment per month
0.967 Points$3,094 Points Fee
$3,094 Total Fees$0 Lender Fees
 30 Years Fixed
6.083% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.522 Points$1,670 Points Fee
$2,998 Total Fees$1,328 Lender Fees
 30 Years Fixed
6.088% APR 5.990% Rate 30 day rate lock $1,917 Payment per month
0.684 Points$2,189 Points Fee
$3,364 Total Fees$1,175 Lender Fees
 30 Years Fixed
6.100% APR 5.990% Rate 30 day rate lock $1,917 Payment per month
0.961 Points$3,075 Points Fee
$3,775 Total Fees$700 Lender Fees
 30 Years Fixed
6.116% APR 6.000% Rate 45 day rate lock $1,919 Payment per month
0.625 Points$2,000 Points Fee
$3,995 Total Fees$1,995 Lender Fees
 30 Years Fixed
"Unlock Your Dream Home with Us!"
$0 down payment for Veterans homebuying with a VA Loan
5.706% APR 5.625% Rate 30 day rate lock $1,843 Payment per month
0.894 Points$2,861 Points Fee
$2,861 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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