Today's Virginia Mortgage Rates in the HSH Lender Showcase
The rates were submitted by each individual lender/broker on the date indicated. Rate/APR terms offered by advertisers may differ from those listed above based on the creditworthiness of the borrower and other differences between an individual loan and the loan criteria used for the HSH quotes. Annual percentage rate in ARM products may increase after the loan is closed. These quotes are from banks, thrifts and brokers who have paid for a link to their website in the listings above and you can find additional information about their loan programs on their websites.
Some data is provided by Icanbuy, LLC. Payments do not include amounts for taxes and insurance premiums. Click here for more information on rates and product details.
Prequalified rates are based on the information you provide and a soft credit inquiry. Receiving prequalified rates does not guarantee that the Lender will extend you an offer of credit. You are not yet approved for a loan or a specific rate. All credit decisions, including loan approval, if any, are determined by Lenders, in their sole discretion. Rates and terms are subject to change without notice. Rates from Lenders may differ from prequalified rates due to factors which may include, but are not limited to: (i) changes in your personal credit circumstances; (ii) additional information in your hard credit pull and/or additional information you provide (or are unable to provide) to the Lender during the underwriting process; and/or (iii) changes in APRs (e.g., an increase in the rate index between the time of prequalification and the time of application or loan closing. (Or, if the loan option is a variable rate loan, then the interest rate index used to set the APR is subject to increases or decreases at any time). Lenders reserve the right to change or withdraw the prequalified rates at any time.
**Requesting prequalified rates on Credible is free and doesn’t affect your credit score. However, applying for or closing a loan will involve a hard credit pull that impacts your credit score and closing a loan will result in costs to you.
Virginia Mortgages
Virginia contains metro areas designated "high-cost" by Fannie Mae, FHA, and Freddie Mac. For example, mortgage limits in Arlington are well above the limits in other parts of the country.
Are you looking for a purchase or refinance mortgage in Virginia? Mortgage lenders in the Commonwealth of Virginia are regulated by its Bureau of Financial Institutions. One unique feature of Virginia mortgage lender licenses is they do not have expiration dates and remain in effect until surrendered, suspended, or revoked. However, an annual report and current financial statements do need to be provided. You can find licensed Virginia lenders and compare their current VA mortgage rates here on HSH.com. With other research tools, such as the mortgage calculators, you can see how Virginia mortgage rates affect your monthly payment.
Virginia Conventional Mortgage
A conventional mortgage loan is generally a loan made using private mortgage money and not backed by a government entity, such as FHA, VA or USDA. Conventional mortgages are available in fixed rate and adjustable rate varieties and with a wide range of terms. A conventional loan that meets a number of specific criteria can be sold to Fannie Mae or Freddie Mac and is known as conventional conforming mortgage.
2024 Conforming loan limits for Virginia
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Select County
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County Name | One Family | Two Family | Three Family | Four Family |
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Accomack County | One Family$766,550 | Two Family$981,500 | Three Family$1,186,350 | Four Family$1,474,400 |
Albemarle County | One Family$766,550 | Two Family$981,500 | Three Family$1,186,350 | Four Family$1,474,400 |
Alexandria City | One Family$1,149,825 | Two Family$1,472,250 | Three Family$1,779,525 | Four Family$2,211,600 |
Alleghany County | One Family$766,550 | Two Family$981,500 | Three Family$1,186,350 | Four Family$1,474,400 |
Amelia County | One Family$766,550 | Two Family$981,500 | Three Family$1,186,350 | Four Family$1,474,400 |
Amherst County | One Family$766,550 | Two Family$981,500 | Three Family$1,186,350 | Four Family$1,474,400 |
Appomattox County | One Family$766,550 | Two Family$981,500 | Three Family$1,186,350 | Four Family$1,474,400 |
Arlington County | One Family$1,149,825 | Two Family$1,472,250 | Three Family$1,779,525 | Four Family$2,211,600 |
Augusta County | One Family$766,550 | Two Family$981,500 | Three Family$1,186,350 | Four Family$1,474,400 |
Bath County | One Family$766,550 | Two Family$981,500 | Three Family$1,186,350 | Four Family$1,474,400 |
Bedford County | One Family$766,550 | Two Family$981,500 | Three Family$1,186,350 | Four Family$1,474,400 |
Bland County | One Family$766,550 | Two Family$981,500 | Three Family$1,186,350 | Four Family$1,474,400 |
Botetourt County | One Family$766,550 | Two Family$981,500 | Three Family$1,186,350 | Four Family$1,474,400 |
Bristol City | One Family$766,550 | Two Family$981,500 | Three Family$1,186,350 | Four Family$1,474,400 |
Brunswick County | One Family$766,550 | Two Family$981,500 | Three Family$1,186,350 | Four Family$1,474,400 |
Buchanan County | One Family$766,550 | Two Family$981,500 | Three Family$1,186,350 | Four Family$1,474,400 |
Buckingham County | One Family$766,550 | Two Family$981,500 | Three Family$1,186,350 | Four Family$1,474,400 |
Buena Vista City | One Family$766,550 | Two Family$981,500 | Three Family$1,186,350 | Four Family$1,474,400 |
Campbell County | One Family$766,550 | Two Family$981,500 | Three Family$1,186,350 | Four Family$1,474,400 |
Caroline County | One Family$766,550 | Two Family$981,500 | Three Family$1,186,350 | Four Family$1,474,400 |
Carroll County | One Family$766,550 | Two Family$981,500 | Three Family$1,186,350 | Four Family$1,474,400 |
Charles City County | One Family$766,550 | Two Family$981,500 | Three Family$1,186,350 | Four Family$1,474,400 |
Charlotte County | One Family$766,550 | Two Family$981,500 | Three Family$1,186,350 | Four Family$1,474,400 |
Charlottesville City | One Family$766,550 | Two Family$981,500 | Three Family$1,186,350 | Four Family$1,474,400 |
Chesapeake City | One Family$766,550 | Two Family$981,500 | Three Family$1,186,350 | Four Family$1,474,400 |
Chesterfield County | One Family$766,550 | Two Family$981,500 | Three Family$1,186,350 | Four Family$1,474,400 |
Clarke County | One Family$1,149,825 | Two Family$1,472,250 | Three Family$1,779,525 | Four Family$2,211,600 |
Colonial Heights City | One Family$766,550 | Two Family$981,500 | Three Family$1,186,350 | Four Family$1,474,400 |
Covington City | One Family$766,550 | Two Family$981,500 | Three Family$1,186,350 | Four Family$1,474,400 |
Craig County | One Family$766,550 | Two Family$981,500 | Three Family$1,186,350 | Four Family$1,474,400 |
Culpeper County | One Family$1,149,825 | Two Family$1,472,250 | Three Family$1,779,525 | Four Family$2,211,600 |
Cumberland County | One Family$766,550 | Two Family$981,500 | Three Family$1,186,350 | Four Family$1,474,400 |
Danville City | One Family$766,550 | Two Family$981,500 | Three Family$1,186,350 | Four Family$1,474,400 |
Dickenson County | One Family$766,550 | Two Family$981,500 | Three Family$1,186,350 | Four Family$1,474,400 |
Dinwiddie County | One Family$766,550 | Two Family$981,500 | Three Family$1,186,350 | Four Family$1,474,400 |
Emporia City | One Family$766,550 | Two Family$981,500 | Three Family$1,186,350 | Four Family$1,474,400 |
Essex County | One Family$766,550 | Two Family$981,500 | Three Family$1,186,350 | Four Family$1,474,400 |
Fairfax City | One Family$1,149,825 | Two Family$1,472,250 | Three Family$1,779,525 | Four Family$2,211,600 |
Fairfax County | One Family$1,149,825 | Two Family$1,472,250 | Three Family$1,779,525 | Four Family$2,211,600 |
Falls Church City | One Family$1,149,825 | Two Family$1,472,250 | Three Family$1,779,525 | Four Family$2,211,600 |
Fauquier County | One Family$1,149,825 | Two Family$1,472,250 | Three Family$1,779,525 | Four Family$2,211,600 |
Floyd County | One Family$766,550 | Two Family$981,500 | Three Family$1,186,350 | Four Family$1,474,400 |
Fluvanna County | One Family$766,550 | Two Family$981,500 | Three Family$1,186,350 | Four Family$1,474,400 |
Franklin City | One Family$766,550 | Two Family$981,500 | Three Family$1,186,350 | Four Family$1,474,400 |
Franklin County | One Family$766,550 | Two Family$981,500 | Three Family$1,186,350 | Four Family$1,474,400 |
Frederick County | One Family$766,550 | Two Family$981,500 | Three Family$1,186,350 | Four Family$1,474,400 |
Fredericksburg City | One Family$1,149,825 | Two Family$1,472,250 | Three Family$1,779,525 | Four Family$2,211,600 |
Galax City | One Family$766,550 | Two Family$981,500 | Three Family$1,186,350 | Four Family$1,474,400 |
Giles County | One Family$766,550 | Two Family$981,500 | Three Family$1,186,350 | Four Family$1,474,400 |
Gloucester County | One Family$766,550 | Two Family$981,500 | Three Family$1,186,350 | Four Family$1,474,400 |
Goochland County | One Family$766,550 | Two Family$981,500 | Three Family$1,186,350 | Four Family$1,474,400 |
Grayson County | One Family$766,550 | Two Family$981,500 | Three Family$1,186,350 | Four Family$1,474,400 |
Greene County | One Family$766,550 | Two Family$981,500 | Three Family$1,186,350 | Four Family$1,474,400 |
Greensville County | One Family$766,550 | Two Family$981,500 | Three Family$1,186,350 | Four Family$1,474,400 |
Halifax County | One Family$766,550 | Two Family$981,500 | Three Family$1,186,350 | Four Family$1,474,400 |
Hampton City | One Family$766,550 | Two Family$981,500 | Three Family$1,186,350 | Four Family$1,474,400 |
Hanover County | One Family$766,550 | Two Family$981,500 | Three Family$1,186,350 | Four Family$1,474,400 |
Harrisonburg City | One Family$766,550 | Two Family$981,500 | Three Family$1,186,350 | Four Family$1,474,400 |
Henrico County | One Family$766,550 | Two Family$981,500 | Three Family$1,186,350 | Four Family$1,474,400 |
Henry County | One Family$766,550 | Two Family$981,500 | Three Family$1,186,350 | Four Family$1,474,400 |
Highland County | One Family$766,550 | Two Family$981,500 | Three Family$1,186,350 | Four Family$1,474,400 |
Hopewell City | One Family$766,550 | Two Family$981,500 | Three Family$1,186,350 | Four Family$1,474,400 |
Isle Of Wight County | One Family$766,550 | Two Family$981,500 | Three Family$1,186,350 | Four Family$1,474,400 |
James City County | One Family$766,550 | Two Family$981,500 | Three Family$1,186,350 | Four Family$1,474,400 |
King And Queen County | One Family$766,550 | Two Family$981,500 | Three Family$1,186,350 | Four Family$1,474,400 |
King George County | One Family$766,550 | Two Family$981,500 | Three Family$1,186,350 | Four Family$1,474,400 |
King William County | One Family$766,550 | Two Family$981,500 | Three Family$1,186,350 | Four Family$1,474,400 |
Lancaster County | One Family$766,550 | Two Family$981,500 | Three Family$1,186,350 | Four Family$1,474,400 |
Lee County | One Family$766,550 | Two Family$981,500 | Three Family$1,186,350 | Four Family$1,474,400 |
Lexington City | One Family$766,550 | Two Family$981,500 | Three Family$1,186,350 | Four Family$1,474,400 |
Loudoun County | One Family$1,149,825 | Two Family$1,472,250 | Three Family$1,779,525 | Four Family$2,211,600 |
Louisa County | One Family$766,550 | Two Family$981,500 | Three Family$1,186,350 | Four Family$1,474,400 |
Lunenburg County | One Family$766,550 | Two Family$981,500 | Three Family$1,186,350 | Four Family$1,474,400 |
Lynchburg City | One Family$766,550 | Two Family$981,500 | Three Family$1,186,350 | Four Family$1,474,400 |
Madison County | One Family$1,149,825 | Two Family$1,472,250 | Three Family$1,779,525 | Four Family$2,211,600 |
Manassas City | One Family$1,149,825 | Two Family$1,472,250 | Three Family$1,779,525 | Four Family$2,211,600 |
Manassas Park City | One Family$1,149,825 | Two Family$1,472,250 | Three Family$1,779,525 | Four Family$2,211,600 |
Martinsville City | One Family$766,550 | Two Family$981,500 | Three Family$1,186,350 | Four Family$1,474,400 |
Mathews County | One Family$766,550 | Two Family$981,500 | Three Family$1,186,350 | Four Family$1,474,400 |
Mecklenburg County | One Family$766,550 | Two Family$981,500 | Three Family$1,186,350 | Four Family$1,474,400 |
Middlesex County | One Family$766,550 | Two Family$981,500 | Three Family$1,186,350 | Four Family$1,474,400 |
Montgomery County | One Family$766,550 | Two Family$981,500 | Three Family$1,186,350 | Four Family$1,474,400 |
Nelson County | One Family$766,550 | Two Family$981,500 | Three Family$1,186,350 | Four Family$1,474,400 |
New Kent County | One Family$766,550 | Two Family$981,500 | Three Family$1,186,350 | Four Family$1,474,400 |
Newport News City | One Family$766,550 | Two Family$981,500 | Three Family$1,186,350 | Four Family$1,474,400 |
Norfolk City | One Family$766,550 | Two Family$981,500 | Three Family$1,186,350 | Four Family$1,474,400 |
Northampton County | One Family$766,550 | Two Family$981,500 | Three Family$1,186,350 | Four Family$1,474,400 |
Northumberland County | One Family$766,550 | Two Family$981,500 | Three Family$1,186,350 | Four Family$1,474,400 |
Norton City | One Family$766,550 | Two Family$981,500 | Three Family$1,186,350 | Four Family$1,474,400 |
Nottoway County | One Family$766,550 | Two Family$981,500 | Three Family$1,186,350 | Four Family$1,474,400 |
Orange County | One Family$766,550 | Two Family$981,500 | Three Family$1,186,350 | Four Family$1,474,400 |
Page County | One Family$766,550 | Two Family$981,500 | Three Family$1,186,350 | Four Family$1,474,400 |
Patrick County | One Family$766,550 | Two Family$981,500 | Three Family$1,186,350 | Four Family$1,474,400 |
Petersburg City | One Family$766,550 | Two Family$981,500 | Three Family$1,186,350 | Four Family$1,474,400 |
Pittsylvania County | One Family$766,550 | Two Family$981,500 | Three Family$1,186,350 | Four Family$1,474,400 |
Poquoson City | One Family$766,550 | Two Family$981,500 | Three Family$1,186,350 | Four Family$1,474,400 |
Portsmouth City | One Family$766,550 | Two Family$981,500 | Three Family$1,186,350 | Four Family$1,474,400 |
Powhatan County | One Family$766,550 | Two Family$981,500 | Three Family$1,186,350 | Four Family$1,474,400 |
Prince Edward County | One Family$766,550 | Two Family$981,500 | Three Family$1,186,350 | Four Family$1,474,400 |
Prince George County | One Family$766,550 | Two Family$981,500 | Three Family$1,186,350 | Four Family$1,474,400 |
Prince William County | One Family$1,149,825 | Two Family$1,472,250 | Three Family$1,779,525 | Four Family$2,211,600 |
Pulaski County | One Family$766,550 | Two Family$981,500 | Three Family$1,186,350 | Four Family$1,474,400 |
Radford City | One Family$766,550 | Two Family$981,500 | Three Family$1,186,350 | Four Family$1,474,400 |
Rappahannock County | One Family$1,149,825 | Two Family$1,472,250 | Three Family$1,779,525 | Four Family$2,211,600 |
Richmond City | One Family$766,550 | Two Family$981,500 | Three Family$1,186,350 | Four Family$1,474,400 |
Richmond County | One Family$766,550 | Two Family$981,500 | Three Family$1,186,350 | Four Family$1,474,400 |
Roanoke City | One Family$766,550 | Two Family$981,500 | Three Family$1,186,350 | Four Family$1,474,400 |
Roanoke County | One Family$766,550 | Two Family$981,500 | Three Family$1,186,350 | Four Family$1,474,400 |
Rockbridge County | One Family$766,550 | Two Family$981,500 | Three Family$1,186,350 | Four Family$1,474,400 |
Rockingham County | One Family$766,550 | Two Family$981,500 | Three Family$1,186,350 | Four Family$1,474,400 |
Russell County | One Family$766,550 | Two Family$981,500 | Three Family$1,186,350 | Four Family$1,474,400 |
Salem City | One Family$766,550 | Two Family$981,500 | Three Family$1,186,350 | Four Family$1,474,400 |
Scott County | One Family$766,550 | Two Family$981,500 | Three Family$1,186,350 | Four Family$1,474,400 |
Shenandoah County | One Family$766,550 | Two Family$981,500 | Three Family$1,186,350 | Four Family$1,474,400 |
Smyth County | One Family$766,550 | Two Family$981,500 | Three Family$1,186,350 | Four Family$1,474,400 |
Southampton County | One Family$766,550 | Two Family$981,500 | Three Family$1,186,350 | Four Family$1,474,400 |
Spotsylvania County | One Family$1,149,825 | Two Family$1,472,250 | Three Family$1,779,525 | Four Family$2,211,600 |
Stafford County | One Family$1,149,825 | Two Family$1,472,250 | Three Family$1,779,525 | Four Family$2,211,600 |
Staunton City | One Family$766,550 | Two Family$981,500 | Three Family$1,186,350 | Four Family$1,474,400 |
Suffolk City | One Family$766,550 | Two Family$981,500 | Three Family$1,186,350 | Four Family$1,474,400 |
Surry County | One Family$766,550 | Two Family$981,500 | Three Family$1,186,350 | Four Family$1,474,400 |
Sussex County | One Family$766,550 | Two Family$981,500 | Three Family$1,186,350 | Four Family$1,474,400 |
Tazewell County | One Family$766,550 | Two Family$981,500 | Three Family$1,186,350 | Four Family$1,474,400 |
Virginia Beach City | One Family$766,550 | Two Family$981,500 | Three Family$1,186,350 | Four Family$1,474,400 |
Warren County | One Family$1,149,825 | Two Family$1,472,250 | Three Family$1,779,525 | Four Family$2,211,600 |
Washington County | One Family$766,550 | Two Family$981,500 | Three Family$1,186,350 | Four Family$1,474,400 |
Waynesboro City | One Family$766,550 | Two Family$981,500 | Three Family$1,186,350 | Four Family$1,474,400 |
Westmoreland County | One Family$766,550 | Two Family$981,500 | Three Family$1,186,350 | Four Family$1,474,400 |
Williamsburg City | One Family$766,550 | Two Family$981,500 | Three Family$1,186,350 | Four Family$1,474,400 |
Winchester City | One Family$766,550 | Two Family$981,500 | Three Family$1,186,350 | Four Family$1,474,400 |
Wise County | One Family$766,550 | Two Family$981,500 | Three Family$1,186,350 | Four Family$1,474,400 |
Wythe County | One Family$766,550 | Two Family$981,500 | Three Family$1,186,350 | Four Family$1,474,400 |
York County | One Family$766,550 | Two Family$981,500 | Three Family$1,186,350 | Four Family$1,474,400 |