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: 03/12/2026)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
5.853% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.870 Points$2,784 Points Fee
$3,579 Total Fees$795 Lender Fees
 30 Years Fixed
5.860% APR 5.750% Rate 15 day rate lock $1,868 Payment per month
0.581 Points$1,859 Points Fee
$3,854 Total Fees$1,995 Lender Fees
 30 Years Fixed
5.990% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.908 Points$2,906 Points Fee
$4,001 Total Fees$1,095 Lender Fees
 30 Years Fixed
6.002% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
1.000 Points$3,200 Points Fee
$4,395 Total Fees$1,195 Lender Fees
 30 Years Fixed
6.025% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
1.000 Points$3,200 Points Fee
$5,290 Total Fees$2,090 Lender Fees
 30 Years Fixed
6.070% APR 5.990% Rate 30 day rate lock $1,917 Payment per month
0.856 Points$2,739 Points Fee
$2,739 Total Fees$0 Lender Fees
 30 Years Fixed
6.104% APR 5.990% Rate 30 day rate lock $1,917 Payment per month
0.824 Points$2,637 Points Fee
$3,932 Total Fees$1,295 Lender Fees
 30 Years Fixed
6.108% APR 5.990% Rate 30 day rate lock $1,917 Payment per month
0.833 Points$2,666 Points Fee
$4,061 Total Fees$1,395 Lender Fees
 30 Years Fixed
6.112% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.895 Points$2,864 Points Fee
$3,859 Total Fees$995 Lender Fees
 30 Years Fixed
6.117% APR 5.999% Rate 30 day rate lock $1,919 Payment per month
0.959 Points$3,069 Points Fee
$4,164 Total Fees$1,095 Lender Fees
 30 Years Fixed
6.118% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.516 Points$1,651 Points Fee
$8,451 Total Fees$6,800 Lender Fees
 30 Years Fixed
6.136% APR 5.999% Rate 30 day rate lock $1,919 Payment per month
0.959 Points$3,069 Points Fee
$4,851 Total Fees$1,782 Lender Fees
 30 Years Fixed
6.210% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.903 Points$2,890 Points Fee
$2,890 Total Fees$0 Lender Fees
 30 Years Fixed
6.278% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
1.000 Points$3,200 Points Fee
$5,377 Total Fees$2,177 Lender Fees
 30 Years Fixed
6.315% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.688 Points$2,202 Points Fee
$2,202 Total Fees$0 Lender Fees
 30 Years Fixed
6.462% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.914 Points$2,925 Points Fee
$2,925 Total Fees$0 Lender Fees
 30 Years Fixed
6.624% APR 6.490% Rate 30 day rate lock $2,021 Payment per month
0.929 Points$2,973 Points Fee
$4,468 Total Fees$1,495 Lender Fees
 30 Years Fixed
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6.077% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.828 Points$2,650 Points Fee
$2,650 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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