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Wondering about where mortgage rates are headed? Check out our latest Two-Month Mortgage Rate Forecast.

Wondering about where mortgage rates are headed? Check out our latest Two-Month Mortgage Rate Forecast.

Today's Virginia Mortgage Rates in the HSH Lender Showcase

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Displaying Today's Mortgage Rates for a $320,000 Refinance loan.
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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 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.

2023 Conforming loan limits for Virginia

County Name One Family Two Family Three Family Four Family
Accomack County One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
Albemarle County One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
Alexandria City One Family$1,089,300 Two Family$1,394,775 Three Family$1,685,850 Four Family$2,095,200
Alleghany County One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
Amelia County One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
Amherst County One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
Appomattox County One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
Arlington County One Family$1,089,300 Two Family$1,394,775 Three Family$1,685,850 Four Family$2,095,200
Augusta County One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
Bath County One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
Bedford County One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
Bland County One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
Botetourt County One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
Bristol City One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
Brunswick County One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
Buchanan County One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
Buckingham County One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
Buena Vista City One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
Campbell County One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
Caroline County One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
Carroll County One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
Charles City County One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
Charlotte County One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
Charlottesville City One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
Chesapeake City One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
Chesterfield County One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
Clarke County One Family$1,089,300 Two Family$1,394,775 Three Family$1,685,850 Four Family$2,095,200
Colonial Heights City One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
Covington City One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
Craig County One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
Culpeper County One Family$1,089,300 Two Family$1,394,775 Three Family$1,685,850 Four Family$2,095,200
Cumberland County One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
Danville City One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
Dickenson County One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
Dinwiddie County One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
Emporia City One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
Essex County One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
Fairfax City One Family$1,089,300 Two Family$1,394,775 Three Family$1,685,850 Four Family$2,095,200
Fairfax County One Family$1,089,300 Two Family$1,394,775 Three Family$1,685,850 Four Family$2,095,200
Falls Church City One Family$1,089,300 Two Family$1,394,775 Three Family$1,685,850 Four Family$2,095,200
Fauquier County One Family$1,089,300 Two Family$1,394,775 Three Family$1,685,850 Four Family$2,095,200
Floyd County One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
Fluvanna County One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
Franklin City One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
Franklin County One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
Frederick County One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
Fredericksburg City One Family$1,089,300 Two Family$1,394,775 Three Family$1,685,850 Four Family$2,095,200
Galax City One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
Giles County One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
Gloucester County One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
Goochland County One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
Grayson County One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
Greene County One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
Greensville County One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
Halifax County One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
Hampton City One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
Hanover County One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
Harrisonburg City One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
Henrico County One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
Henry County One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
Highland County One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
Hopewell City One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
Isle Of Wight County One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
James City County One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
King And Queen County One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
King George County One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
King William County One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
Lancaster County One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
Lee County One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
Lexington City One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
Loudoun County One Family$1,089,300 Two Family$1,394,775 Three Family$1,685,850 Four Family$2,095,200
Louisa County One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
Lunenburg County One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
Lynchburg City One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
Madison County One Family$1,089,300 Two Family$1,394,775 Three Family$1,685,850 Four Family$2,095,200
Manassas City One Family$1,089,300 Two Family$1,394,775 Three Family$1,685,850 Four Family$2,095,200
Manassas Park City One Family$1,089,300 Two Family$1,394,775 Three Family$1,685,850 Four Family$2,095,200
Martinsville City One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
Mathews County One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
Mecklenburg County One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
Middlesex County One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
Montgomery County One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
Nelson County One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
New Kent County One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
Newport News City One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
Norfolk City One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
Northampton County One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
Northumberland County One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
Norton City One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
Nottoway County One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
Orange County One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
Page County One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
Patrick County One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
Petersburg City One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
Pittsylvania County One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
Poquoson City One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
Portsmouth City One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
Powhatan County One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
Prince Edward County One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
Prince George County One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
Prince William County One Family$1,089,300 Two Family$1,394,775 Three Family$1,685,850 Four Family$2,095,200
Pulaski County One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
Radford City One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
Rappahannock County One Family$1,089,300 Two Family$1,394,775 Three Family$1,685,850 Four Family$2,095,200
Richmond City One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
Richmond County One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
Roanoke City One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
Roanoke County One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
Rockbridge County One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
Rockingham County One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
Russell County One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
Salem City One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
Scott County One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
Shenandoah County One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
Smyth County One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
Southampton County One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
Spotsylvania County One Family$1,089,300 Two Family$1,394,775 Three Family$1,685,850 Four Family$2,095,200
Stafford County One Family$1,089,300 Two Family$1,394,775 Three Family$1,685,850 Four Family$2,095,200
Staunton City One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
Suffolk City One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
Surry County One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
Sussex County One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
Tazewell County One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
Virginia Beach City One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
Warren County One Family$1,089,300 Two Family$1,394,775 Three Family$1,685,850 Four Family$2,095,200
Washington County One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
Waynesboro City One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
Westmoreland County One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
Williamsburg City One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
Winchester City One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
Wise County One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
Wythe County One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
York County One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
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