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: 10/13/2025)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
5.956% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.550 Points$1,760 Points Fee
$2,810 Total Fees$1,050 Lender Fees
 30 Years Fixed
5.967% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
1.000 Points$3,200 Points Fee
$3,200 Total Fees$0 Lender Fees
 30 Years Fixed
5.976% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.750 Points$2,400 Points Fee
$3,575 Total Fees$1,175 Lender Fees
 30 Years Fixed
5.993% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.934 Points$2,989 Points Fee
$4,084 Total Fees$1,095 Lender Fees
 30 Years Fixed
5.998% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.931 Points$2,979 Points Fee
$4,274 Total Fees$1,295 Lender Fees
 30 Years Fixed
6.071% APR 5.990% Rate 30 day rate lock $1,917 Payment per month
0.870 Points$2,784 Points Fee
$2,784 Total Fees$0 Lender Fees
 30 Years Fixed
6.075% APR 5.990% Rate 30 day rate lock $1,917 Payment per month
0.911 Points$2,915 Points Fee
$2,915 Total Fees$0 Lender Fees
 30 Years Fixed
6.077% APR 5.990% Rate 30 day rate lock $1,917 Payment per month
0.938 Points$3,002 Points Fee
$3,002 Total Fees$0 Lender Fees
 30 Years Fixed
6.186% APR 6.000% Rate 45 day rate lock $1,919 Payment per month
1.000 Points$3,200 Points Fee
$6,400 Total Fees$3,200 Lender Fees
 30 Years Fixed
6.468% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.756 Points$2,419 Points Fee
$3,119 Total Fees$700 Lender Fees
 30 Years Fixed
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5.950% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.816 Points$2,611 Points Fee
$2,611 Total Fees$0 Lender Fees
 30 Years Fixed
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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.
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