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: 12/15/2025)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
5.851% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.775 Points$2,480 Points Fee
$3,530 Total Fees$1,050 Lender Fees
 30 Years Fixed
5.867% APR 5.750% Rate 15 day rate lock $1,868 Payment per month
0.654 Points$2,093 Points Fee
$4,088 Total Fees$1,995 Lender Fees
 30 Years Fixed
5.868% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.975 Points$3,120 Points Fee
$4,120 Total Fees$1,000 Lender Fees
 30 Years Fixed
5.926% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.552 Points$1,766 Points Fee
$1,766 Total Fees$0 Lender Fees
 30 Years Fixed
5.966% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.984 Points$3,149 Points Fee
$3,149 Total Fees$0 Lender Fees
 30 Years Fixed
5.982% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.720 Points$2,304 Points Fee
$3,699 Total Fees$1,395 Lender Fees
 30 Years Fixed
5.985% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.849 Points$2,717 Points Fee
$3,812 Total Fees$1,095 Lender Fees
 30 Years Fixed
6.111% APR 5.990% Rate 30 day rate lock $1,917 Payment per month
0.932 Points$2,982 Points Fee
$4,157 Total Fees$1,175 Lender Fees
 30 Years Fixed
6.124% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.964 Points$3,085 Points Fee
$4,412 Total Fees$1,327 Lender Fees
 30 Years Fixed
6.139% APR 6.000% Rate 45 day rate lock $1,919 Payment per month
0.875 Points$2,800 Points Fee
$4,795 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.228% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.877 Points$2,806 Points Fee
$3,506 Total Fees$700 Lender Fees
 30 Years Fixed
6.331% APR 6.240% Rate 30 day rate lock $1,969 Payment per month
0.967 Points$3,094 Points Fee
$3,094 Total Fees$0 Lender Fees
 30 Years Fixed
0% down payment USDA Loan options
Numbers you can trust
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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
 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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