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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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Rates as low as

5.000% Rate

30 Yr. Fixed

Rates as low as

5.081% APR

$837 / month (est)

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Updated 6/25/2019

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Rates as low as

5.000% Rate

30 Yr. Fixed

Rates as low as

5.081% APR

$837 / month (est)

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Updated 6/25/2019

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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.

2019 Conventional loan limits for Virginia

County NameOne-FamilyTwo-FamilyThree-FamilyFour-Family
Accomack$484,350$620,200$749,650$931,600
Albemarle$484,350$620,200$749,650$931,600
Alexandria$726,525$930,300$1,124,475$1,397,400
Alleghany$484,350$620,200$749,650$931,600
Amelia$535,900$686,050$829,250$1,030,600
Amherst$484,350$620,200$749,650$931,600
Appomattox$484,350$620,200$749,650$931,600
Arlington$726,525$930,300$1,124,475$1,397,400
Augusta$484,350$620,200$749,650$931,600
Bath$484,350$620,200$749,650$931,600
Bedford$484,350$620,200$749,650$931,600
Bedford Ind$484,350$620,200$749,650$931,600
Bland$484,350$620,200$749,650$931,600
Botetourt$484,350$620,200$749,650$931,600
Bristol$484,350$620,200$749,650$931,600
Brunswick$484,350$620,200$749,650$931,600
Buchanan$484,350$620,200$749,650$931,600
Buckingham$484,350$620,200$749,650$931,600
Buena Vista$484,350$620,200$749,650$931,600
Campbell$484,350$620,200$749,650$931,600
Caroline$535,900$686,050$829,250$1,030,600
Carroll$484,350$620,200$749,650$931,600
Charles City$535,900$686,050$829,250$1,030,600
Charlotte$484,350$620,200$749,650$931,600
Charlottesville$484,350$620,200$749,650$931,600
Chesapeake$484,350$620,200$749,650$931,600
Chesterfield$535,900$686,050$829,250$1,030,600
Clarke$726,525$930,300$1,124,475$1,397,400
Colonial Height$535,900$686,050$829,250$1,030,600
Covington$484,350$620,200$749,650$931,600
Craig$484,350$620,200$749,650$931,600
Culpeper$726,525$930,300$1,124,475$1,397,400
Cumberland$535,900$686,050$829,250$1,030,600
Danville$484,350$620,200$749,650$931,600
Dickenson$484,350$620,200$749,650$931,600
Dinwiddie$535,900$686,050$829,250$1,030,600
Emporia$484,350$620,200$749,650$931,600
Essex$484,350$620,200$749,650$931,600
Fairfax$726,525$930,300$1,124,475$1,397,400
Fairfax Ind$726,525$930,300$1,124,475$1,397,400
Falls Church$726,525$930,300$1,124,475$1,397,400
Fauquier$726,525$930,300$1,124,475$1,397,400
Floyd$484,350$620,200$749,650$931,600
Fluvanna$484,350$620,200$749,650$931,600
Franklin$484,350$620,200$749,650$931,600
Franklin Ind$484,350$620,200$749,650$931,600
Frederick$484,350$620,200$749,650$931,600
Fredericksburg$726,525$930,300$1,124,475$1,397,400
Galax$484,350$620,200$749,650$931,600
Giles$484,350$620,200$749,650$931,600
Gloucester$484,350$620,200$749,650$931,600
Goochland$535,900$686,050$829,250$1,030,600
Grayson$484,350$620,200$749,650$931,600
Greene$484,350$620,200$749,650$931,600
Greensville$484,350$620,200$749,650$931,600
Halifax$484,350$620,200$749,650$931,600
Hampton$484,350$620,200$749,650$931,600
Hanover$535,900$686,050$829,250$1,030,600
Harrisonburg$484,350$620,200$749,650$931,600
Henrico$535,900$686,050$829,250$1,030,600
Henry$484,350$620,200$749,650$931,600
Highland$484,350$620,200$749,650$931,600
Hopewell$535,900$686,050$829,250$1,030,600
Isle Of Wight$484,350$620,200$749,650$931,600
James City$484,350$620,200$749,650$931,600
King And Queen$535,900$686,050$829,250$1,030,600
King George$484,350$620,200$749,650$931,600
King William$535,900$686,050$829,250$1,030,600
Lancaster$484,350$620,200$749,650$931,600
Lee$484,350$620,200$749,650$931,600
Lexington$484,350$620,200$749,650$931,600
Loudoun$726,525$930,300$1,124,475$1,397,400
Louisa$535,900$686,050$829,250$1,030,600
Lunenburg$484,350$620,200$749,650$931,600
Lynchburg$484,350$620,200$749,650$931,600
Madison$484,350$620,200$749,650$931,600
Manassas$726,525$930,300$1,124,475$1,397,400
Manassas Park$726,525$930,300$1,124,475$1,397,400
Martinsville$484,350$620,200$749,650$931,600
Mathews$484,350$620,200$749,650$931,600
Mecklenburg$484,350$620,200$749,650$931,600
Middlesex$484,350$620,200$749,650$931,600
Montgomery$484,350$620,200$749,650$931,600
Nelson$484,350$620,200$749,650$931,600
New Kent$535,900$686,050$829,250$1,030,600
Newport News$484,350$620,200$749,650$931,600
Norfolk$484,350$620,200$749,650$931,600
Northampton$484,350$620,200$749,650$931,600
Northumberland$484,350$620,200$749,650$931,600
Norton$484,350$620,200$749,650$931,600
Nottoway$484,350$620,200$749,650$931,600
Orange$484,350$620,200$749,650$931,600
Page$484,350$620,200$749,650$931,600
Patrick$484,350$620,200$749,650$931,600
Petersburg$535,900$686,050$829,250$1,030,600
Pittsylvania$484,350$620,200$749,650$931,600
Poquoson$484,350$620,200$749,650$931,600
Portsmouth$484,350$620,200$749,650$931,600
Powhatan$535,900$686,050$829,250$1,030,600
Prince Edward$484,350$620,200$749,650$931,600
Prince George$535,900$686,050$829,250$1,030,600
Prince William$726,525$930,300$1,124,475$1,397,400
Pulaski$484,350$620,200$749,650$931,600
Radford$484,350$620,200$749,650$931,600
Rappahannock$726,525$930,300$1,124,475$1,397,400
Richmond$484,350$620,200$749,650$931,600
Richmond Ind$535,900$686,050$829,250$1,030,600
Roanoke$484,350$620,200$749,650$931,600
Roanoke Ind$484,350$620,200$749,650$931,600
Rockbridge$484,350$620,200$749,650$931,600
Rockingham$484,350$620,200$749,650$931,600
Russell$484,350$620,200$749,650$931,600
Salem$484,350$620,200$749,650$931,600
Scott$484,350$620,200$749,650$931,600
Shenandoah$484,350$620,200$749,650$931,600
Smyth$484,350$620,200$749,650$931,600
Southampton$484,350$620,200$749,650$931,600
Spotsylvania$726,525$930,300$1,124,475$1,397,400
Stafford$726,525$930,300$1,124,475$1,397,400
Staunton$484,350$620,200$749,650$931,600
Suffolk$484,350$620,200$749,650$931,600
Surry$484,350$620,200$749,650$931,600
Sussex$535,900$686,050$829,250$1,030,600
Tazewell$484,350$620,200$749,650$931,600
Virginia Beach$484,350$620,200$749,650$931,600
Warren$726,525$930,300$1,124,475$1,397,400
Washington$484,350$620,200$749,650$931,600
Waynesboro$484,350$620,200$749,650$931,600
Westmoreland$484,350$620,200$749,650$931,600
Williamsburg$484,350$620,200$749,650$931,600
Winchester$484,350$620,200$749,650$931,600
Wise$484,350$620,200$749,650$931,600
Wythe$484,350$620,200$749,650$931,600
York$484,350$620,200$749,650$931,600