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: 08/13/2026)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
6.135% APR 5.990% Rate 15 day rate lock $1,917 Payment per month
0.940 Points$3,008 Points Fee
$5,003 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.146% APR 5.999% Rate 30 day rate lock $1,919 Payment per month
0.962 Points$3,078 Points Fee
$5,073 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.181% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.594 Points$1,901 Points Fee
$1,901 Total Fees$0 Lender Fees
 30 Years Fixed
6.218% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.750 Points$2,400 Points Fee
$7,705 Total Fees$5,305 Lender Fees
 30 Years Fixed
6.220% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.750 Points$2,400 Points Fee
$7,695 Total Fees$5,295 Lender Fees
 30 Years Fixed
6.230% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.783 Points$2,506 Points Fee
$3,694 Total Fees$1,188 Lender Fees
 30 Years Fixed
6.324% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.400 Points$1,280 Points Fee
$2,505 Total Fees$1,225 Lender Fees
 30 Years Fixed
6.336% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.600 Points$1,920 Points Fee
$2,920 Total Fees$1,000 Lender Fees
 30 Years Fixed
6.363% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.479 Points$1,533 Points Fee
$3,828 Total Fees$2,295 Lender Fees
 30 Years Fixed
6.369% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.888 Points$2,842 Points Fee
$4,037 Total Fees$1,195 Lender Fees
 30 Years Fixed
6.388% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.983 Points$3,146 Points Fee
$4,777 Total Fees$1,631 Lender Fees
 30 Years Fixed
6.455% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.842 Points$2,694 Points Fee
$2,694 Total Fees$0 Lender Fees
 30 Years Fixed
6.456% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.448 Points$1,434 Points Fee
$2,729 Total Fees$1,295 Lender Fees
 30 Years Fixed
6.471% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.409 Points$1,309 Points Fee
$7,509 Total Fees$6,200 Lender Fees
 30 Years Fixed
6.475% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.610 Points$1,952 Points Fee
$3,347 Total Fees$1,395 Lender Fees
 30 Years Fixed
6.477% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.757 Points$2,422 Points Fee
$3,658 Total Fees$1,236 Lender Fees
 30 Years Fixed
6.487% APR 6.374% Rate 30 day rate lock $1,997 Payment per month
0.844 Points$2,701 Points Fee
$3,796 Total Fees$1,095 Lender Fees
 30 Years Fixed
6.510% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.869 Points$2,781 Points Fee
$4,681 Total Fees$1,900 Lender Fees
 30 Years Fixed
6.559% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.938 Points$3,002 Points Fee
$6,202 Total Fees$3,200 Lender Fees
 30 Years Fixed
6.571% APR 6.500% Rate 30 day rate lock $2,023 Payment per month
0.738 Points$2,362 Points Fee
$2,362 Total Fees$0 Lender Fees
 30 Years Fixed
6.630% APR 6.500% Rate 30 day rate lock $2,023 Payment per month
0.988 Points$3,162 Points Fee
$4,489 Total Fees$1,327 Lender Fees
 30 Years Fixed
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Numbers you can trust
6.333% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.875 Points$2,800 Points Fee
$2,800 Total Fees$0 Lender Fees
 30 Years Fixed
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Rate data provided by RateUpdate.com. Displayed by 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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