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COVID-19 continues roiling markets; See what's happening with mortgage rates today.

COVID-19 continues roiling markets; See what's happening with mortgage rates today.

Virginia Mortgage Rates and Refinance Rates: HSH Lender Showcase

Personalize your quotes and see mortgage rates just for you.
Displaying Today's Mortgage Rates for a $200000 Refinance loan in VA.
Refinance
Your loan amount is greater than the value of the property, a condition known as being "underwater".
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30 year fixed mortgage rates today from 3.125%

Updated: 4/3/2020
30 Yr. Fixed
30 Yr. Fixed
Rate as low as
3.342%
APR
Rate as low as
3.125%
Rate
$ 857
Monthly Payment
Show Details
Updated: 4/6/2020
30 Yr. Fixed
30 Yr. Fixed
Rate as low as
4.675%
APR
Rate as low as
4.625%
Rate
$ 1,029
Monthly Payment
Show Details
Updated: 4/6/2020
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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.

2020 Conventional loan limits for Virginia

County NameOne FamilyTwo FamilyThree FamilyFour Family
Accomack CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Albemarle CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Alexandria CityOne Family$765,600Two Family$980,325Three Family$1,184,925Four Family$1,472,550
Alleghany CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Amelia CountyOne Family$535,900Two Family$686,050Three Family$829,250Four Family$1,030,600
Amherst CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Appomattox CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Arlington CountyOne Family$765,600Two Family$980,325Three Family$1,184,925Four Family$1,472,550
Augusta CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Bath CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Bedford CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Bland CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Botetourt CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Bristol CityOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Brunswick CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Buchanan CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Buckingham CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Buena Vista CityOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Campbell CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Caroline CountyOne Family$535,900Two Family$686,050Three Family$829,250Four Family$1,030,600
Carroll CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Charles City CountyOne Family$535,900Two Family$686,050Three Family$829,250Four Family$1,030,600
Charlotte CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Charlottesville CityOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Chesapeake CityOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Chesterfield CountyOne Family$535,900Two Family$686,050Three Family$829,250Four Family$1,030,600
Clarke CountyOne Family$765,600Two Family$980,325Three Family$1,184,925Four Family$1,472,550
Colonial Heights CityOne Family$535,900Two Family$686,050Three Family$829,250Four Family$1,030,600
Covington CityOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Craig CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Culpeper CountyOne Family$765,600Two Family$980,325Three Family$1,184,925Four Family$1,472,550
Cumberland CountyOne Family$535,900Two Family$686,050Three Family$829,250Four Family$1,030,600
Danville CityOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Dickenson CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Dinwiddie CountyOne Family$535,900Two Family$686,050Three Family$829,250Four Family$1,030,600
Emporia CityOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Essex CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Fairfax CityOne Family$765,600Two Family$980,325Three Family$1,184,925Four Family$1,472,550
Fairfax CountyOne Family$765,600Two Family$980,325Three Family$1,184,925Four Family$1,472,550
Falls Church CityOne Family$765,600Two Family$980,325Three Family$1,184,925Four Family$1,472,550
Fauquier CountyOne Family$765,600Two Family$980,325Three Family$1,184,925Four Family$1,472,550
Floyd CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Fluvanna CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Franklin CityOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Franklin CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Frederick CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Fredericksburg CityOne Family$765,600Two Family$980,325Three Family$1,184,925Four Family$1,472,550
Galax CityOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Giles CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Gloucester CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Goochland CountyOne Family$535,900Two Family$686,050Three Family$829,250Four Family$1,030,600
Grayson CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Greene CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Greensville CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Halifax CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Hampton CityOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Hanover CountyOne Family$535,900Two Family$686,050Three Family$829,250Four Family$1,030,600
Harrisonburg CityOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Henrico CountyOne Family$535,900Two Family$686,050Three Family$829,250Four Family$1,030,600
Henry CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Highland CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Hopewell CityOne Family$535,900Two Family$686,050Three Family$829,250Four Family$1,030,600
Isle Of Wight CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
James City CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
King And Queen CountyOne Family$535,900Two Family$686,050Three Family$829,250Four Family$1,030,600
King George CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
King William CountyOne Family$535,900Two Family$686,050Three Family$829,250Four Family$1,030,600
Lancaster CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Lee CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Lexington CityOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Loudoun CountyOne Family$765,600Two Family$980,325Three Family$1,184,925Four Family$1,472,550
Louisa CountyOne Family$535,900Two Family$686,050Three Family$829,250Four Family$1,030,600
Lunenburg CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Lynchburg CityOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Madison CountyOne Family$765,600Two Family$980,325Three Family$1,184,925Four Family$1,472,550
Manassas CityOne Family$765,600Two Family$980,325Three Family$1,184,925Four Family$1,472,550
Manassas Park CityOne Family$765,600Two Family$980,325Three Family$1,184,925Four Family$1,472,550
Martinsville CityOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Mathews CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Mecklenburg CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Middlesex CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Montgomery CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Nelson CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
New Kent CountyOne Family$535,900Two Family$686,050Three Family$829,250Four Family$1,030,600
Newport News CityOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Norfolk CityOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Northampton CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Northumberland CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Norton CityOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Nottoway CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Orange CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Page CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Patrick CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Petersburg CityOne Family$535,900Two Family$686,050Three Family$829,250Four Family$1,030,600
Pittsylvania CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Poquoson CityOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Portsmouth CityOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Powhatan CountyOne Family$535,900Two Family$686,050Three Family$829,250Four Family$1,030,600
Prince Edward CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Prince George CountyOne Family$535,900Two Family$686,050Three Family$829,250Four Family$1,030,600
Prince William CountyOne Family$765,600Two Family$980,325Three Family$1,184,925Four Family$1,472,550
Pulaski CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Radford CityOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Rappahannock CountyOne Family$765,600Two Family$980,325Three Family$1,184,925Four Family$1,472,550
Richmond CityOne Family$535,900Two Family$686,050Three Family$829,250Four Family$1,030,600
Richmond CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Roanoke CityOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Roanoke CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Rockbridge CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Rockingham CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Russell CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Salem CityOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Scott CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Shenandoah CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Smyth CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Southampton CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Spotsylvania CountyOne Family$765,600Two Family$980,325Three Family$1,184,925Four Family$1,472,550
Stafford CountyOne Family$765,600Two Family$980,325Three Family$1,184,925Four Family$1,472,550
Staunton CityOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Suffolk CityOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Surry CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Sussex CountyOne Family$535,900Two Family$686,050Three Family$829,250Four Family$1,030,600
Tazewell CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Virginia Beach CityOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Warren CountyOne Family$765,600Two Family$980,325Three Family$1,184,925Four Family$1,472,550
Washington CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Waynesboro CityOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Westmoreland CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Williamsburg CityOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Winchester CityOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Wise CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Wythe CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
York CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
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