Home Refinance Loan Ratesin Virginia

Looking to refinance your existing mortgage loan? 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 refinance loan to ensure you get the best rate and pricing.

(Last Updated: 09/02/2025)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
6.116% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.925 Points$2,960 Points Fee
$4,010 Total Fees$1,050 Lender Fees
 30 Years Fixed
6.239% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.875 Points$2,800 Points Fee
$3,975 Total Fees$1,175 Lender Fees
 30 Years Fixed
6.326% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.822 Points$2,630 Points Fee
$6,948 Total Fees$4,318 Lender Fees
 30 Years Fixed
6.334% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.892 Points$2,854 Points Fee
$2,854 Total Fees$0 Lender Fees
 30 Years Fixed
6.359% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.811 Points$2,595 Points Fee
$3,690 Total Fees$1,095 Lender Fees
 30 Years Fixed
6.457% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.642 Points$2,054 Points Fee
$2,754 Total Fees$700 Lender Fees
 30 Years Fixed
6.477% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.483 Points$1,546 Points Fee
$3,433 Total Fees$1,887 Lender Fees
 30 Years Fixed
6.553% APR 6.375% Rate 45 day rate lock $1,997 Payment per month
0.875 Points$2,800 Points Fee
$6,000 Total Fees$3,200 Lender Fees
 30 Years Fixed
6.848% APR 6.750% Rate 30 day rate lock $2,076 Payment per month
0.998 Points$3,194 Points Fee
$3,392 Total Fees$198 Lender Fees
 30 Years Fixed
6.875% APR 6.875% Rate 30 day rate lock $2,103 Payment per month
0.000 Points$0 Points Fee
$0 Total Fees$0 Lender Fees
 30 Years Fixed
Refi from your sofa. It’s surprisingly simple.
Homeowners best kept secret for cash
Discover multiple refinance options
We approve credit scores as low as 550 for VA and FHA refinancing
Use your VA Loan Benefit to get cash from your home equity
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.
Family moving in