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Virginia Mortgage Rates and Refinance Rates: HSH Lender Showcase

  • Fixed Mortgage Rates 3.25% APR
  • Lower Refinance Rates, 15yr Fixed
  • (3.25% APR)
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    Mortgage Refinance rates in Virginia

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    3.875% Rate

    30 Yr. Fixed

    3.982% APR

    $1,422 / month (est)

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    Updated 3/29/2017

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    3.875% Rate

    30 Yr. Fixed

    4.039% APR

    $1,422 / month (est)

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    Updated 3/29/2017

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    3.990% Rate

    30 Yr. Fixed

    4.380% APR

    $1,442 / month (est)

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    Updated 3/29/2017

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    3.990% Rate

    30 Yr. Fixed

    4.350% APR

    $1,442 / month (est)

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    Updated 2/22/2017

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    3.875% Rate

    30 Yr. Fixed

    4.159% APR

    $1,422 / month (est)

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    Updated 3/29/2017

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    4.250% Rate

    30 Yr. Fixed

    4.461% APR

    $1,487 / month (est)

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    Updated 3/29/2017

    National LenderFHA Approved LenderVA Approved LenderMember of BBBLow Fees
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    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 loan is traditionally defined as a fixed-rate mortgage with equal monthly payments, a 15-year or 30-year term, and a fixed interest rate established when the mortgage is created.

    For Virginia, 78 counties have a conventional loan limit at $417,000, 5 counties at $437,000, 1 county at $442,750, 15 counties at $458,850, 20 counties at $539,900 and 15 counties at $625,500.

    County NameOne-FamilyTwo-FamilyThree-FamilyFour-Family
    Accomack $417,000 $533,850 $645,300 $801,950
    Albemarle $437,000 $559,450 $676,200 $840,400
    Alleghany $417,000 $533,850 $645,300 $801,950
    Amelia $535,900 $686,050 $829,250 $1,030,600
    Amherst $417,000 $533,850 $645,300 $801,950
    Appomattox $417,000 $533,850 $645,300 $801,950
    Arlington $625,500 $800,775 $967,950 $1,202,925
    Augusta $417,000 $533,850 $645,300 $801,950
    Bath $417,000 $533,850 $645,300 $801,950
    Bedford $417,000 $533,850 $645,300 $801,950
    Bland $417,000 $533,850 $645,300 $801,950
    Botetourt $417,000 $533,850 $645,300 $801,950
    Brunswick $417,000 $533,850 $645,300 $801,950
    Buchanan $417,000 $533,850 $645,300 $801,950
    Buckingham $417,000 $533,850 $645,300 $801,950
    Campbell $417,000 $533,850 $645,300 $801,950
    Caroline $535,900 $686,050 $829,250 $1,030,600
    Carroll $417,000 $533,850 $645,300 $801,950
    Charles City $535,900 $686,050 $829,250 $1,030,600
    Charlotte $417,000 $533,850 $645,300 $801,950
    Chesterfield $535,900 $686,050 $829,250 $1,030,600
    Clarke $625,500 $800,775 $967,950 $1,202,925
    Craig $417,000 $533,850 $645,300 $801,950
    Culpeper $417,000 $533,850 $645,300 $801,950
    Cumberland $535,900 $686,050 $829,250 $1,030,600
    Dickenson $417,000 $533,850 $645,300 $801,950
    Dinwiddie $535,900 $686,050 $829,250 $1,030,600
    Essex $417,000 $533,850 $645,300 $801,950
    Fairfax $625,500 $800,775 $967,950 $1,202,925
    Fauquier $625,500 $800,775 $967,950 $1,202,925
    Floyd $417,000 $533,850 $645,300 $801,950
    Fluvanna $437,000 $559,450 $676,200 $840,400
    Franklin $417,000 $533,850 $645,300 $801,950
    Frederick $417,000 $533,850 $645,300 $801,950
    Giles $417,000 $533,850 $645,300 $801,950
    Gloucester $458,850 $587,400 $710,050 $882,400
    Goochland $535,900 $686,050 $829,250 $1,030,600
    Grayson $417,000 $533,850 $645,300 $801,950
    Greene $437,000 $559,450 $676,200 $840,400
    Greensville $417,000 $533,850 $645,300 $801,950
    Halifax $417,000 $533,850 $645,300 $801,950
    Hanover $535,900 $686,050 $829,250 $1,030,600
    Henrico $535,900 $686,050 $829,250 $1,030,600
    Henry $417,000 $533,850 $645,300 $801,950
    Highland $417,000 $533,850 $645,300 $801,950
    Isle Of Wight $458,850 $587,400 $710,050 $882,400
    James City $458,850 $587,400 $710,050 $882,400
    King And Queen $535,900 $686,050 $829,250 $1,030,600
    King George $417,000 $533,850 $645,300 $801,950
    King William $535,900 $686,050 $829,250 $1,030,600
    Lancaster $442,750 $566,800 $685,100 $851,450
    Lee $417,000 $533,850 $645,300 $801,950
    Loudoun $625,500 $800,775 $967,950 $1,202,925
    Louisa $535,900 $686,050 $829,250 $1,030,600
    Lunenburg $417,000 $533,850 $645,300 $801,950
    Madison $417,000 $533,850 $645,300 $801,950
    Mathews $458,850 $587,400 $710,050 $882,400
    Mecklenburg $417,000 $533,850 $645,300 $801,950
    Middlesex $417,000 $533,850 $645,300 $801,950
    Montgomery $417,000 $533,850 $645,300 $801,950
    Nelson $437,000 $559,450 $676,200 $840,400
    New Kent $535,900 $686,050 $829,250 $1,030,600
    Northampton $417,000 $533,850 $645,300 $801,950
    Northumberland $417,000 $533,850 $645,300 $801,950
    Nottoway $417,000 $533,850 $645,300 $801,950
    Orange $417,000 $533,850 $645,300 $801,950
    Page $417,000 $533,850 $645,300 $801,950
    Patrick $417,000 $533,850 $645,300 $801,950
    Pittsylvania $417,000 $533,850 $645,300 $801,950
    Powhatan $535,900 $686,050 $829,250 $1,030,600
    Prince Edward $417,000 $533,850 $645,300 $801,950
    Prince George $535,900 $686,050 $829,250 $1,030,600
    Prince William $625,500 $800,775 $967,950 $1,202,925
    Pulaski $417,000 $533,850 $645,300 $801,950
    Rappahannock $417,000 $533,850 $645,300 $801,950
    Richmond $417,000 $533,850 $645,300 $801,950
    Roanoke $417,000 $533,850 $645,300 $801,950
    Rockbridge $417,000 $533,850 $645,300 $801,950
    Rockingham $417,000 $533,850 $645,300 $801,950
    Russell $417,000 $533,850 $645,300 $801,950
    Scott $417,000 $533,850 $645,300 $801,950
    Shenandoah $417,000 $533,850 $645,300 $801,950
    Smyth $417,000 $533,850 $645,300 $801,950
    Southampton $417,000 $533,850 $645,300 $801,950
    Spotsylvania $625,500 $800,775 $967,950 $1,202,925
    Stafford $625,500 $800,775 $967,950 $1,202,925
    Surry $458,850 $587,400 $710,050 $882,400
    Sussex $535,900 $686,050 $829,250 $1,030,600
    Tazewell $417,000 $533,850 $645,300 $801,950
    Warren $625,500 $800,775 $967,950 $1,202,925
    Washington $417,000 $533,850 $645,300 $801,950
    Westmoreland $417,000 $533,850 $645,300 $801,950
    Wise $417,000 $533,850 $645,300 $801,950
    Wythe $417,000 $533,850 $645,300 $801,950
    York $458,850 $587,400 $710,050 $882,400
    Alexandria $625,500 $800,775 $967,950 $1,202,925
    Bedford Ind $417,000 $533,850 $645,300 $801,950
    Bristol $417,000 $533,850 $645,300 $801,950
    Buena Vista $417,000 $533,850 $645,300 $801,950
    Charlottesville $437,000 $559,450 $676,200 $840,400
    Chesapeake $458,850 $587,400 $710,050 $882,400
    Colonial Height $535,900 $686,050 $829,250 $1,030,600
    Covington $417,000 $533,850 $645,300 $801,950
    Danville $417,000 $533,850 $645,300 $801,950
    Emporia $417,000 $533,850 $645,300 $801,950
    Fairfax Ind $625,500 $800,775 $967,950 $1,202,925
    Falls Church $625,500 $800,775 $967,950 $1,202,925
    Franklin Ind $417,000 $533,850 $645,300 $801,950
    Fredericksburg $625,500 $800,775 $967,950 $1,202,925
    Galax $417,000 $533,850 $645,300 $801,950
    Hampton $458,850 $587,400 $710,050 $882,400
    Harrisonburg $417,000 $533,850 $645,300 $801,950
    Hopewell $535,900 $686,050 $829,250 $1,030,600
    Lexington $417,000 $533,850 $645,300 $801,950
    Lynchburg $417,000 $533,850 $645,300 $801,950
    Manassas $625,500 $800,775 $967,950 $1,202,925
    Manassas Park $625,500 $800,775 $967,950 $1,202,925
    Martinsville $417,000 $533,850 $645,300 $801,950
    Newport News $458,850 $587,400 $710,050 $882,400
    Norfolk $458,850 $587,400 $710,050 $882,400
    Norton $417,000 $533,850 $645,300 $801,950
    Petersburg $535,900 $686,050 $829,250 $1,030,600
    Poquoson $458,850 $587,400 $710,050 $882,400
    Portsmouth $458,850 $587,400 $710,050 $882,400
    Radford $417,000 $533,850 $645,300 $801,950
    Richmond Ind $535,900 $686,050 $829,250 $1,030,600
    Roanoke Ind $417,000 $533,850 $645,300 $801,950
    Salem $417,000 $533,850 $645,300 $801,950
    Staunton $417,000 $533,850 $645,300 $801,950
    Suffolk $458,850 $587,400 $710,050 $882,400
    Virginia Beach $458,850 $587,400 $710,050 $882,400
    Waynesboro $417,000 $533,850 $645,300 $801,950
    Williamsburg $458,850 $587,400 $710,050 $882,400
    Winchester $417,000 $533,850 $645,300 $801,950

    Calculate your payments for Virginia properties with our mortgage calculator.