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: 04/22/2026)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
5.866% APR 5.750% Rate 15 day rate lock $1,868 Payment per month
0.642 Points$2,054 Points Fee
$4,049 Total Fees$1,995 Lender Fees
 30 Years Fixed
5.880% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.800 Points$2,560 Points Fee
$4,555 Total Fees$1,995 Lender Fees
 30 Years Fixed
5.951% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.527 Points$1,686 Points Fee
$2,736 Total Fees$1,050 Lender Fees
 30 Years Fixed
5.987% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.750 Points$2,400 Points Fee
$4,035 Total Fees$1,635 Lender Fees
 30 Years Fixed
6.002% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.750 Points$2,400 Points Fee
$4,490 Total Fees$2,090 Lender Fees
 30 Years Fixed
6.003% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.945 Points$3,024 Points Fee
$4,419 Total Fees$1,395 Lender Fees
 30 Years Fixed
6.019% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.827 Points$2,646 Points Fee
$9,446 Total Fees$6,800 Lender Fees
 30 Years Fixed
6.049% APR 5.990% Rate 30 day rate lock $1,917 Payment per month
0.637 Points$2,038 Points Fee
$2,038 Total Fees$0 Lender Fees
 30 Years Fixed
6.066% APR 5.990% Rate 30 day rate lock $1,917 Payment per month
0.813 Points$2,602 Points Fee
$2,602 Total Fees$0 Lender Fees
 30 Years Fixed
6.095% APR 5.990% Rate 30 day rate lock $1,917 Payment per month
0.787 Points$2,518 Points Fee
$3,613 Total Fees$1,095 Lender Fees
 30 Years Fixed
6.128% APR 6.000% Rate 45 day rate lock $1,919 Payment per month
0.750 Points$2,400 Points Fee
$4,395 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.213% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.934 Points$2,989 Points Fee
$2,989 Total Fees$0 Lender Fees
 30 Years Fixed
6.218% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.591 Points$1,891 Points Fee
$3,186 Total Fees$1,295 Lender Fees
 30 Years Fixed
6.228% APR 6.124% Rate 30 day rate lock $1,945 Payment per month
0.592 Points$1,894 Points Fee
$3,676 Total Fees$1,782 Lender Fees
 30 Years Fixed
6.233% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.842 Points$2,694 Points Fee
$3,689 Total Fees$995 Lender Fees
 30 Years Fixed
6.467% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.620 Points$1,984 Points Fee
$3,109 Total Fees$1,125 Lender Fees
 30 Years Fixed
6.502% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.866 Points$2,771 Points Fee
$4,266 Total Fees$1,495 Lender Fees
 30 Years Fixed
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6.040% APR 5.990% Rate 30 day rate lock $1,917 Payment per month
0.541 Points$1,731 Points Fee
$1,731 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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