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: 10/30/2025)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
5.724% APR 5.625% Rate 30 day rate lock $1,843 Payment per month
0.710 Points$2,272 Points Fee
$3,467 Total Fees$1,195 Lender Fees
 30 Years Fixed
5.769% APR 5.625% Rate 15 day rate lock $1,843 Payment per month
0.960 Points$3,072 Points Fee
$5,067 Total Fees$1,995 Lender Fees
 30 Years Fixed
5.823% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.797 Points$2,550 Points Fee
$2,550 Total Fees$0 Lender Fees
 30 Years Fixed
5.956% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.533 Points$1,706 Points Fee
$2,801 Total Fees$1,095 Lender Fees
 30 Years Fixed
5.975% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.852 Points$2,726 Points Fee
$3,476 Total Fees$750 Lender Fees
 30 Years Fixed
5.991% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.891 Points$2,851 Points Fee
$4,179 Total Fees$1,328 Lender Fees
 30 Years Fixed
5.996% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.723 Points$2,314 Points Fee
$4,201 Total Fees$1,887 Lender Fees
 30 Years Fixed
6.002% APR 5.875% Rate 45 day rate lock $1,893 Payment per month
0.750 Points$2,400 Points Fee
$4,395 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.033% APR 5.990% Rate 35 day rate lock $1,917 Payment per month
0.000 Points$0 Points Fee
$1,490 Total Fees$1,490 Lender Fees
 30 Years Fixed
6.082% APR 5.990% Rate 30 day rate lock $1,917 Payment per month
0.770 Points$2,464 Points Fee
$3,164 Total Fees$700 Lender Fees
 30 Years Fixed
6.116% APR 5.990% Rate 30 day rate lock $1,917 Payment per month
0.989 Points$3,165 Points Fee
$4,340 Total Fees$1,175 Lender Fees
 30 Years Fixed
6.331% APR 6.240% Rate 30 day rate lock $1,969 Payment per month
0.959 Points$3,069 Points Fee
$3,069 Total Fees$0 Lender Fees
 30 Years Fixed
$0 down payment for Veterans homebuying with a VA Loan
5.929% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.587 Points$1,878 Points Fee
$1,878 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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