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Virginia Mortgage Rates and Refinance Rates: HSH Lender Showcase

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Mortgage Refinance rates in Virginia

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3.875% Rate

30 Yr. Fixed

3.883% APR

$1,422 / month (est)

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Updated 12/17/2017

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3.750% Rate

30 Yr. Fixed

3.983% APR

$1,400 / month (est)

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Updated 12/15/2017

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3.875% Rate

30 Yr. Fixed

4.000% APR

$1,422 / month (est)

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Updated 12/15/2017

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3.990% Rate

30 Yr. Fixed

4.050% APR

$1,442 / month (est)

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Updated 12/17/2017

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4.375% Rate

30 Yr. Fixed

4.437% APR

$1,510 / month (est)

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Updated 12/17/2017

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3.625% Rate

30 Yr. Fixed

3.827% APR

$1,379 / month (est)

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Updated 12/15/2017

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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.