Home Mortgage Loan Ratesin Virginia

Planning on purchasing a new home? 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 home loan to ensure you get the best rate and pricing.

(Last Updated: 04/01/2026)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
6.020% APR 5.875% Rate 15 day rate lock $1,893 Payment per month
0.948 Points$3,034 Points Fee
$5,029 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.119% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.718 Points$2,298 Points Fee
$8,498 Total Fees$6,200 Lender Fees
 30 Years Fixed
6.233% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.721 Points$2,307 Points Fee
$3,702 Total Fees$1,395 Lender Fees
 30 Years Fixed
6.265% APR 6.125% Rate 45 day rate lock $1,945 Payment per month
0.875 Points$2,800 Points Fee
$4,795 Total Fees$1,995 Lender Fees
 30 Years Fixed
Numbers you can trust
Veterans: Use your VA benefit to buy with 0% down
As low as 0% down options & down payment assistance
America's #1 Retail Lender (Scottsman Guide)
6.190% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.691 Points$2,211 Points Fee
$2,211 Total Fees$0 Lender Fees
 30 Years Fixed
Updating Rates...
Updating Rates...
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.
Family moving in