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: 09/08/2026)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
6.340% APR 6.250% Rate 15 day rate lock $1,971 Payment per month
0.325 Points$1,040 Points Fee
$3,035 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.498% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.997 Points$3,190 Points Fee
$4,240 Total Fees$1,050 Lender Fees
 30 Years Fixed
6.564% APR 6.490% Rate 30 day rate lock $2,021 Payment per month
0.523 Points$1,674 Points Fee
$2,469 Total Fees$795 Lender Fees
 30 Years Fixed
6.587% APR 6.500% Rate 30 day rate lock $2,023 Payment per month
0.525 Points$1,680 Points Fee
$2,905 Total Fees$1,225 Lender Fees
 30 Years Fixed
6.609% APR 6.500% Rate 30 day rate lock $2,023 Payment per month
0.792 Points$2,534 Points Fee
$3,629 Total Fees$1,095 Lender Fees
 30 Years Fixed
6.620% APR 6.490% Rate 30 day rate lock $2,021 Payment per month
0.952 Points$3,046 Points Fee
$4,341 Total Fees$1,295 Lender Fees
 30 Years Fixed
6.633% APR 6.500% Rate 30 day rate lock $2,023 Payment per month
0.956 Points$3,059 Points Fee
$4,454 Total Fees$1,395 Lender Fees
 30 Years Fixed
6.641% APR 6.500% Rate 30 day rate lock $2,023 Payment per month
1.000 Points$3,200 Points Fee
$4,695 Total Fees$1,495 Lender Fees
 30 Years Fixed
6.667% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.957 Points$3,062 Points Fee
$9,862 Total Fees$6,800 Lender Fees
 30 Years Fixed
6.714% APR 6.625% Rate 30 day rate lock $2,049 Payment per month
0.612 Points$1,958 Points Fee
$3,194 Total Fees$1,236 Lender Fees
 30 Years Fixed
6.716% APR 6.625% Rate 30 day rate lock $2,049 Payment per month
0.938 Points$3,002 Points Fee
$3,002 Total Fees$0 Lender Fees
 30 Years Fixed
6.732% APR 6.625% Rate 30 day rate lock $2,049 Payment per month
0.629 Points$2,013 Points Fee
$3,641 Total Fees$1,628 Lender Fees
 30 Years Fixed
6.809% APR 6.750% Rate 30 day rate lock $2,076 Payment per month
0.608 Points$1,946 Points Fee
$1,946 Total Fees$0 Lender Fees
 30 Years Fixed
6.843% APR 6.750% Rate 30 day rate lock $2,076 Payment per month
0.492 Points$1,574 Points Fee
$3,068 Total Fees$1,494 Lender Fees
 30 Years Fixed
6.864% APR 6.750% Rate 30 day rate lock $2,076 Payment per month
0.619 Points$1,981 Points Fee
$3,881 Total Fees$1,900 Lender Fees
 30 Years Fixed
6.948% APR 6.875% Rate 30 day rate lock $2,103 Payment per month
0.746 Points$2,387 Points Fee
$2,387 Total Fees$0 Lender Fees
 30 Years Fixed
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6.587% APR 6.500% Rate 30 day rate lock $2,023 Payment per month
0.911 Points$2,915 Points Fee
$2,915 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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