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Buying a home for the holidays, and hoping for a bargain? Learn the pros and cons of buying a home during the winter months.

Buying a home for the holidays, and hoping for a bargain? Learn the pros and cons of buying a home during the winter months.

Today's Virginia Mortgage Rates in the HSH Lender Showcase

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

Select County
County Name One Family Two Family Three Family Four Family
Accomack County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Albemarle County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Alexandria City One Family$1,209,750 Two Family$1,548,975 Three Family$1,872,225 Four Family$2,326,875
Alleghany County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Amelia County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Amherst County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Appomattox County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Arlington County One Family$1,209,750 Two Family$1,548,975 Three Family$1,872,225 Four Family$2,326,875
Augusta County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Bath County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Bedford County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Bland County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Botetourt County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Bristol City One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Brunswick County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Buchanan County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Buckingham County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Buena Vista City One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Campbell County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Caroline County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Carroll County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Charles City County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Charlotte County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Charlottesville City One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Chesapeake City One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Chesterfield County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Clarke County One Family$1,209,750 Two Family$1,548,975 Three Family$1,872,225 Four Family$2,326,875
Colonial Heights City One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Covington City One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Craig County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Culpeper County One Family$1,209,750 Two Family$1,548,975 Three Family$1,872,225 Four Family$2,326,875
Cumberland County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Danville City One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Dickenson County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Dinwiddie County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Emporia City One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Essex County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Fairfax City One Family$1,209,750 Two Family$1,548,975 Three Family$1,872,225 Four Family$2,326,875
Fairfax County One Family$1,209,750 Two Family$1,548,975 Three Family$1,872,225 Four Family$2,326,875
Falls Church City One Family$1,209,750 Two Family$1,548,975 Three Family$1,872,225 Four Family$2,326,875
Fauquier County One Family$1,209,750 Two Family$1,548,975 Three Family$1,872,225 Four Family$2,326,875
Floyd County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Fluvanna County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Franklin City One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Franklin County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Frederick County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Fredericksburg City One Family$1,209,750 Two Family$1,548,975 Three Family$1,872,225 Four Family$2,326,875
Galax City One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Giles County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Gloucester County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Goochland County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Grayson County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Greene County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Greensville County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Halifax County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Hampton City One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Hanover County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Harrisonburg City One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Henrico County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Henry County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Highland County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Hopewell City One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Isle Of Wight County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
James City County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
King And Queen County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
King George County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
King William County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Lancaster County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Lee County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Lexington City One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Loudoun County One Family$1,209,750 Two Family$1,548,975 Three Family$1,872,225 Four Family$2,326,875
Louisa County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Lunenburg County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Lynchburg City One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Madison County One Family$1,209,750 Two Family$1,548,975 Three Family$1,872,225 Four Family$2,326,875
Manassas City One Family$1,209,750 Two Family$1,548,975 Three Family$1,872,225 Four Family$2,326,875
Manassas Park City One Family$1,209,750 Two Family$1,548,975 Three Family$1,872,225 Four Family$2,326,875
Martinsville City One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Mathews County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Mecklenburg County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Middlesex County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Montgomery County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Nelson County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
New Kent County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Newport News City One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Norfolk City One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Northampton County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Northumberland County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Norton City One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Nottoway County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Orange County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Page County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Patrick County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Petersburg City One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Pittsylvania County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Poquoson City One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Portsmouth City One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Powhatan County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Prince Edward County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Prince George County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Prince William County One Family$1,209,750 Two Family$1,548,975 Three Family$1,872,225 Four Family$2,326,875
Pulaski County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Radford City One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Rappahannock County One Family$1,209,750 Two Family$1,548,975 Three Family$1,872,225 Four Family$2,326,875
Richmond City One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Richmond County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Roanoke City One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Roanoke County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Rockbridge County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Rockingham County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Russell County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Salem City One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Scott County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Shenandoah County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Smyth County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Southampton County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Spotsylvania County One Family$1,209,750 Two Family$1,548,975 Three Family$1,872,225 Four Family$2,326,875
Stafford County One Family$1,209,750 Two Family$1,548,975 Three Family$1,872,225 Four Family$2,326,875
Staunton City One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Suffolk City One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Surry County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Sussex County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Tazewell County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Virginia Beach City One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Warren County One Family$1,209,750 Two Family$1,548,975 Three Family$1,872,225 Four Family$2,326,875
Washington County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Waynesboro City One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Westmoreland County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Williamsburg City One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Winchester City One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Wise County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Wythe County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
York County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250

Mortgage Rates by State

Mortgage rates by loan term and type

Today's Mortgage Rates
30-year fixed mortgage rates
15-year fixed mortgage rates
20-year fixed mortgage rates
10-year fixed mortgage rates
5/1 Adjustable Rate Mortgage Rates
7/1 Adjustable Rate Mortgage Rates
10/1 Adjustable Rate Mortgage Rates
VA mortgage rates
FHA mortgage rates
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