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: 09/02/2026)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
6.349% APR 6.250% Rate 15 day rate lock $1,971 Payment per month
0.421 Points$1,347 Points Fee
$3,342 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.587% APR 6.500% Rate 30 day rate lock $2,023 Payment per month
0.614 Points$1,965 Points Fee
$3,015 Total Fees$1,050 Lender Fees
 30 Years Fixed
6.599% APR 6.500% Rate 30 day rate lock $2,023 Payment per month
0.650 Points$2,080 Points Fee
$3,305 Total Fees$1,225 Lender Fees
 30 Years Fixed
6.625% APR 6.500% Rate 30 day rate lock $2,023 Payment per month
0.965 Points$3,088 Points Fee
$4,183 Total Fees$1,095 Lender Fees
 30 Years Fixed
6.631% APR 6.500% Rate 30 day rate lock $2,023 Payment per month
0.963 Points$3,082 Points Fee
$4,377 Total Fees$1,295 Lender Fees
 30 Years Fixed
6.637% APR 6.500% Rate 30 day rate lock $2,023 Payment per month
0.988 Points$3,162 Points Fee
$4,557 Total Fees$1,395 Lender Fees
 30 Years Fixed
6.641% APR 6.500% Rate 30 day rate lock $2,023 Payment per month
0.995 Points$3,184 Points Fee
$4,812 Total Fees$1,628 Lender Fees
 30 Years Fixed
6.668% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.964 Points$3,085 Points Fee
$9,885 Total Fees$6,800 Lender Fees
 30 Years Fixed
6.711% APR 6.625% Rate 30 day rate lock $2,049 Payment per month
0.578 Points$1,850 Points Fee
$3,086 Total Fees$1,236 Lender Fees
 30 Years Fixed
6.712% APR 6.625% Rate 30 day rate lock $2,049 Payment per month
0.902 Points$2,886 Points Fee
$2,886 Total Fees$0 Lender Fees
 30 Years Fixed
6.716% APR 6.625% Rate 30 day rate lock $2,049 Payment per month
0.938 Points$3,002 Points Fee
$3,002 Total Fees$0 Lender Fees
 30 Years Fixed
6.729% APR 6.625% Rate 30 day rate lock $2,049 Payment per month
0.822 Points$2,630 Points Fee
$3,425 Total Fees$795 Lender Fees
 30 Years Fixed
6.731% APR 6.625% Rate 35 day rate lock $2,049 Payment per month
0.625 Points$2,000 Points Fee
$3,495 Total Fees$1,495 Lender Fees
 30 Years Fixed
6.844% APR 6.750% Rate 30 day rate lock $2,076 Payment per month
0.504 Points$1,613 Points Fee
$3,107 Total Fees$1,494 Lender Fees
 30 Years Fixed
6.849% APR 6.750% Rate 30 day rate lock $2,076 Payment per month
0.464 Points$1,485 Points Fee
$3,385 Total Fees$1,900 Lender Fees
 30 Years Fixed
6.949% APR 6.875% Rate 30 day rate lock $2,103 Payment per month
0.750 Points$2,400 Points Fee
$2,400 Total Fees$0 Lender Fees
 30 Years Fixed
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6.677% APR 6.624% Rate 30 day rate lock $2,049 Payment per month
0.551 Points$1,763 Points Fee
$1,763 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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