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: 03/25/2026)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
5.499% APR 5.375% Rate 30 day rate lock $1,792 Payment per month
0.994 Points$3,181 Points Fee
$4,565 Total Fees$1,384 Lender Fees
 5 Years ARM
5.759% APR 5.625% Rate 30 day rate lock $1,843 Payment per month
0.857 Points$2,742 Points Fee
$4,832 Total Fees$2,090 Lender Fees
 5 Years ARM
5.856% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.813 Points$2,602 Points Fee
$3,697 Total Fees$1,095 Lender Fees
 5 Years ARM
6.025% APR 5.875% Rate 45 day rate lock $1,893 Payment per month
1.000 Points$3,200 Points Fee
$5,195 Total Fees$1,995 Lender Fees
 5 Years ARM
6.370% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.946 Points$3,027 Points Fee
$4,077 Total Fees$1,050 Lender Fees
 5 Years ARM
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Refinance to lower your rate
5.839% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.968 Points$3,098 Points Fee
$3,098 Total Fees$0 Lender Fees
 5 Years ARM
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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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