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: 01/29/2026)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
5.862% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.785 Points$2,512 Points Fee
$3,907 Total Fees$1,395 Lender Fees
 30 Years Fixed
5.935% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.646 Points$2,067 Points Fee
$2,067 Total Fees$0 Lender Fees
 30 Years Fixed
5.956% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.529 Points$1,693 Points Fee
$2,788 Total Fees$1,095 Lender Fees
 30 Years Fixed
5.971% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.634 Points$2,029 Points Fee
$3,324 Total Fees$1,295 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
6.190% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.688 Points$2,202 Points Fee
$2,202 Total Fees$0 Lender Fees
 30 Years Fixed
6.261% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.829 Points$2,653 Points Fee
$4,653 Total Fees$2,000 Lender Fees
 30 Years Fixed
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5.815% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.704 Points$2,253 Points Fee
$2,253 Total Fees$0 Lender Fees
 30 Years Fixed
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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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