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Current Mortgage Rates in VA: HSH FHA/VA Showcase

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Mortgage refinance rates in Virginia

2.875% Rate

FHA 15 Yr.

3.489% APR

$1,369 / month (est)

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Updated 10/24/2014

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3.125% Rate

FHA 15 Yr.

3.497% APR

$1,393 / month (est)

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Updated 10/24/2014

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Mortgages from 2.75% (2.96% APR)
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First Atlantic Funding Last update: 06/28/2012 New Jersey, Virginia We are committed to the customer and provide top-notch customer service.

Virginia Mortgages

Virginia FHA Mortgage

FHA Loans are government insured loans from the Federal Housing Administration and are an attractive option for homebuyers who want to refinance.

For Virginia, 63 counties have an FHA loan limit at $271,050, 4 counties range from $271,400 to $277,150, 11 counties are at $292,100, 9 counties range from $318,550 to $442,750, 14 counties are at $458,850, 17 counties are at $535,900 and the remaining 17 counties are at $625,500.

As of January 1, 2014, HUD approves new lower loan limits to take effect for FHA single-family loans. The current standard loan limit for areas where housing costs are relatively low will remain unchanged at $271,050. The new national-ceiling loan limit for the very highest cost areas will be reduced from $729,750 to $625,500. See the chart below for loan limits in your county.

County NameOne-FamilyTwo-FamilyThree-FamilyFour-FamilyMedian Sale Price
Accomack $271,050 $347,000 $419,425 $521,250 $30,000
Albemarle $437,000 $559,450 $676,200 $840,400 $301,000
Alexandria City $625,500 $800,775 $967,950 $1,202,925 $554,000
Alleghany $271,050 $347,000 $419,425 $521,250 $127,000
Amelia $535,900 $686,050 $829,250 $1,030,600 $329,000
Amherst $292,100 $373,950 $452,000 $561,700 $144,000
Appomattox $292,100 $373,950 $452,000 $561,700 $144,000
Arlington $625,500 $800,775 $967,950 $1,202,925 $554,000
Augusta $271,050 $347,000 $419,425 $521,250 $130,000
Bath $271,050 $347,000 $419,425 $521,250 $128,000
Bedford $292,100 $373,950 $452,000 $561,700 $144,000
Bedford City $292,100 $373,950 $452,000 $561,700 $144,000
Bland $271,050 $347,000 $419,425 $521,250 $40,000
Botetourt $271,050 $347,000 $419,425 $521,250 $177,000
Bristol City $271,050 $347,000 $419,425 $521,250 $111,000
Brunswick $271,050 $347,000 $419,425 $521,250 $60,000
Buchanan $271,050 $347,000 $419,425 $521,250 $107,000
Buckingham $437,000 $559,450 $676,200 $840,400 $301,000
Buena Vista Cit $271,050 $347,000 $419,425 $521,250 $85,000
Campbell $292,100 $373,950 $452,000 $561,700 $144,000
Caroline $535,900 $686,050 $829,250 $1,030,600 $329,000
Carroll $271,050 $347,000 $419,425 $521,250 $60,000
Charles City $535,900 $686,050 $829,250 $1,030,600 $329,000
Charlotte $271,050 $347,000 $419,425 $521,250 $123,000
Charlottesville $437,000 $559,450 $676,200 $840,400 $301,000
Chesapeake City $458,850 $587,400 $710,050 $882,400 $307,000
Chesterfield $535,900 $686,050 $829,250 $1,030,600 $329,000
Clarke $625,500 $800,775 $967,950 $1,202,925 $554,000
Clifton Forge $271,050 $347,000 $419,425 $521,250 $100,000
Colonial Height $535,900 $686,050 $829,250 $1,030,600 $329,000
Covington City $271,050 $347,000 $419,425 $521,250 $81,000
Craig $271,050 $347,000 $419,425 $521,250 $177,000
Culpeper $625,500 $800,775 $967,950 $1,202,925 $554,000
Cumberland $271,050 $347,000 $419,425 $521,250 $130,000
Danville City $271,050 $347,000 $419,425 $521,250 $51,000
Dickenson $271,050 $347,000 $419,425 $521,250 $42,000
Dinwiddie $535,900 $686,050 $829,250 $1,030,600 $329,000
Emporia City $271,050 $347,000 $419,425 $521,250 $119,000
Essex $271,050 $347,000 $419,425 $521,250 $199,000
Fairfax $625,500 $800,775 $967,950 $1,202,925 $554,000
Fairfax City $625,500 $800,775 $967,950 $1,202,925 $554,000
Falls Church Ci $625,500 $800,775 $967,950 $1,202,925 $554,000
Fauquier $625,500 $800,775 $967,950 $1,202,925 $554,000
Floyd $292,100 $373,950 $452,000 $561,700 $167,000
Fluvanna $437,000 $559,450 $676,200 $840,400 $301,000
Franklin $271,050 $347,000 $419,425 $521,250 $177,000
Franklin City $271,050 $347,000 $419,425 $521,250 $145,000
Frederick $271,400 $347,450 $419,950 $521,900 $210,000
Fredericksburg $625,500 $800,775 $967,950 $1,202,925 $554,000
Galax City $271,050 $347,000 $419,425 $521,250 $120,000
Giles $292,100 $373,950 $452,000 $561,700 $167,000
Gloucester $458,850 $587,400 $710,050 $882,400 $307,000
Goochland $535,900 $686,050 $829,250 $1,030,600 $329,000
Grayson $271,050 $347,000 $419,425 $521,250 $102,000
Greene $437,000 $559,450 $676,200 $840,400 $301,000
Greensville $271,050 $347,000 $419,425 $521,250 $136,000
Halifax $271,050 $347,000 $419,425 $521,250 $125,000
Hampton City $458,850 $587,400 $710,050 $882,400 $307,000
Hanover $535,900 $686,050 $829,250 $1,030,600 $329,000
Harrisonburg Ci $277,150 $354,800 $428,850 $532,950 $165,000
Henrico $535,900 $686,050 $829,250 $1,030,600 $329,000
Henry $271,050 $347,000 $419,425 $521,250 $91,000
Highland $271,050 $347,000 $419,425 $521,250 $75,000
Hopewell City $535,900 $686,050 $829,250 $1,030,600 $329,000
Isle Of Wight $458,850 $587,400 $710,050 $882,400 $307,000
James City $458,850 $587,400 $710,050 $882,400 $307,000
King And Queen $271,050 $347,000 $419,425 $521,250 $152,000
King George $350,750 $449,000 $542,750 $674,500 $222,000
King William $535,900 $686,050 $829,250 $1,030,600 $329,000
Lancaster $442,750 $566,800 $685,100 $851,450 $380,000
Lee $271,050 $347,000 $419,425 $521,250 $87,000
Lexington City $271,050 $347,000 $419,425 $521,250 $185,000
Loudoun $625,500 $800,775 $967,950 $1,202,925 $554,000
Louisa $271,050 $347,000 $419,425 $521,250 $177,000
Lunenburg $271,050 $347,000 $419,425 $521,250 $42,000
Lynchburg City $292,100 $373,950 $452,000 $561,700 $144,000
Madison $271,050 $347,000 $419,425 $521,250 $133,000
Manassas City $625,500 $800,775 $967,950 $1,202,925 $554,000
Manassas Park C $625,500 $800,775 $967,950 $1,202,925 $554,000
Martinsville Ci $271,050 $347,000 $419,425 $521,250 $91,000
Mathews $458,850 $587,400 $710,050 $882,400 $307,000
Mecklenburg $271,050 $347,000 $419,425 $521,250 $68,000
Middlesex $271,050 $347,000 $419,425 $521,250 $230,000
Montgomery $292,100 $373,950 $452,000 $561,700 $167,000
Nelson $437,000 $559,450 $676,200 $840,400 $301,000
New Kent $535,900 $686,050 $829,250 $1,030,600 $329,000
Newport News Ci $458,850 $587,400 $710,050 $882,400 $307,000
Norfolk City $458,850 $587,400 $710,050 $882,400 $307,000
Northampton $271,050 $347,000 $419,425 $521,250 $140,000
Northumberland $318,550 $407,800 $492,950 $612,600 $273,000
Norton City $271,050 $347,000 $419,425 $521,250 $42,000
Nottoway $271,050 $347,000 $419,425 $521,250 $117,000
Orange $271,050 $347,000 $419,425 $521,250 $175,000
Page $271,050 $347,000 $419,425 $521,250 $147,000
Patrick $271,050 $347,000 $419,425 $521,250 $139,000
Petersburg City $535,900 $686,050 $829,250 $1,030,600 $329,000
Pittsylvania $271,050 $347,000 $419,425 $521,250 $51,000
Poquoson City $458,850 $587,400 $710,050 $882,400 $307,000
Portsmouth City $458,850 $587,400 $710,050 $882,400 $307,000
Powhatan $535,900 $686,050 $829,250 $1,030,600 $329,000
Prince Edward $271,050 $347,000 $419,425 $521,250 $168,000
Prince George $535,900 $686,050 $829,250 $1,030,600 $329,000
Prince William $625,500 $800,775 $967,950 $1,202,925 $554,000
Pulaski $292,100 $373,950 $452,000 $561,700 $167,000
Radford City $292,100 $373,950 $452,000 $561,700 $167,000
Rappahannock $625,500 $800,775 $967,950 $1,202,925 $554,000
Richmond $271,050 $347,000 $419,425 $521,250 $209,000
Richmond City $535,900 $686,050 $829,250 $1,030,600 $329,000
Roanoke $271,050 $347,000 $419,425 $521,250 $177,000
Roanoke City $271,050 $347,000 $419,425 $521,250 $177,000
Rockbridge $271,050 $347,000 $419,425 $521,250 $178,000
Rockingham $277,150 $354,800 $428,850 $532,950 $165,000
Russell $271,050 $347,000 $419,425 $521,250 $118,000
Salem City $271,050 $347,000 $419,425 $521,250 $177,000
Scott $271,050 $347,000 $419,425 $521,250 $111,000
Shenandoah $271,050 $347,000 $419,425 $521,250 $146,000
Smyth $271,050 $347,000 $419,425 $521,250 $73,000
Southampton $271,050 $347,000 $419,425 $521,250 $138,000
Spotsylvania $625,500 $800,775 $967,950 $1,202,925 $554,000
Stafford $625,500 $800,775 $967,950 $1,202,925 $554,000
Staunton City $271,050 $347,000 $419,425 $521,250 $130,000
Suffolk City $458,850 $587,400 $710,050 $882,400 $307,000
Surry $271,050 $347,000 $419,425 $521,250 $190,000
Sussex $535,900 $686,050 $829,250 $1,030,600 $329,000
Tazewell $271,050 $347,000 $419,425 $521,250 $140,000
Virginia Beach $458,850 $587,400 $710,050 $882,400 $307,000
Warren $625,500 $800,775 $967,950 $1,202,925 $554,000
Washington $271,050 $347,000 $419,425 $521,250 $111,000
Waynesboro City $271,050 $347,000 $419,425 $521,250 $130,000
Westmoreland $271,050 $347,000 $419,425 $521,250 $146,000
Williamsburg Ci $458,850 $587,400 $710,050 $882,400 $307,000
Winchester City $271,400 $347,450 $419,950 $521,900 $210,000
Wise $271,050 $347,000 $419,425 $521,250 $42,000
Wythe $271,050 $347,000 $419,425 $521,250 $96,000
York $458,850 $587,400 $710,050 $882,400 $307,000