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: 04/06/2026)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
5.975% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.458 Points$1,466 Points Fee
$3,461 Total Fees$1,995 Lender Fees
 30 Years Fixed
5.977% APR 5.875% Rate 15 day rate lock $1,893 Payment per month
0.481 Points$1,539 Points Fee
$3,534 Total Fees$1,995 Lender Fees
 30 Years Fixed
5.997% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.945 Points$3,024 Points Fee
$4,319 Total Fees$1,295 Lender Fees
 30 Years Fixed
6.078% APR 5.990% Rate 30 day rate lock $1,917 Payment per month
0.652 Points$2,086 Points Fee
$3,136 Total Fees$1,050 Lender Fees
 30 Years Fixed
6.116% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.925 Points$2,960 Points Fee
$4,010 Total Fees$1,050 Lender Fees
 30 Years Fixed
6.119% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.934 Points$2,989 Points Fee
$4,084 Total Fees$1,095 Lender Fees
 30 Years Fixed
6.139% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.875 Points$2,800 Points Fee
$4,890 Total Fees$2,090 Lender Fees
 30 Years Fixed
6.143% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.791 Points$2,531 Points Fee
$9,331 Total Fees$6,800 Lender Fees
 30 Years Fixed
6.188% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.672 Points$2,150 Points Fee
$2,150 Total Fees$0 Lender Fees
 30 Years Fixed
6.202% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.569 Points$1,821 Points Fee
$2,616 Total Fees$795 Lender Fees
 30 Years Fixed
6.213% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.938 Points$3,002 Points Fee
$3,002 Total Fees$0 Lender Fees
 30 Years Fixed
6.217% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.985 Points$3,152 Points Fee
$3,152 Total Fees$0 Lender Fees
 30 Years Fixed
6.220% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.698 Points$2,234 Points Fee
$3,229 Total Fees$995 Lender Fees
 30 Years Fixed
6.239% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.875 Points$2,800 Points Fee
$3,975 Total Fees$1,175 Lender Fees
 30 Years Fixed
6.244% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.869 Points$2,781 Points Fee
$4,076 Total Fees$1,295 Lender Fees
 30 Years Fixed
6.245% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.845 Points$2,704 Points Fee
$4,099 Total Fees$1,395 Lender Fees
 30 Years Fixed
6.277% APR 6.125% Rate 45 day rate lock $1,945 Payment per month
1.000 Points$3,200 Points Fee
$5,195 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.340% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.434 Points$1,389 Points Fee
$3,171 Total Fees$1,782 Lender Fees
 30 Years Fixed
6.342% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.665 Points$2,128 Points Fee
$3,123 Total Fees$995 Lender Fees
 30 Years Fixed
6.433% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.611 Points$1,955 Points Fee
$1,955 Total Fees$0 Lender Fees
 30 Years Fixed
6.582% APR 6.490% Rate 30 day rate lock $2,021 Payment per month
0.962 Points$3,078 Points Fee
$3,078 Total Fees$0 Lender Fees
 30 Years Fixed
6.619% APR 6.490% Rate 30 day rate lock $2,021 Payment per month
0.881 Points$2,819 Points Fee
$4,314 Total Fees$1,495 Lender Fees
 30 Years Fixed
6.627% APR 6.500% Rate 30 day rate lock $2,023 Payment per month
0.974 Points$3,117 Points Fee
$4,242 Total Fees$1,125 Lender Fees
 30 Years Fixed
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America's #1 Retail Lender (Scottsman Guide)
6.192% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.714 Points$2,285 Points Fee
$2,285 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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