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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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4.625% Rate

30 Yr. Fixed

4.779% APR

$1,028 / month (est)

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Updated 6/18/2018

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4.625% Rate

30 Yr. Fixed

4.668% APR

$1,029 / month (est)

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Updated 6/19/2018

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4.250% Rate

30 Yr. Fixed

4.481% APR

$984 / month (est)

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Updated 6/18/2018

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4.875% Rate

30 Yr. Fixed

4.971% APR

$1,059 / month (est)

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Updated 6/19/2018

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5.125% Rate

30 Yr. Fixed

5.223% APR

$1,089 / month (est)

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Updated 6/19/2018

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3.875% Rate

30 Yr. Fixed

3.916% APR

$940 / month (est)

Updated 6/19/2018

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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.

For Virginia, 82 counties have a conventional loan limit at $453,100, 15 counties at $458,850, 17 counties at $679,650 and 20 counties at $535,900.

2018 Conventional loan limits for Virginia

County NameOne-FamilyTwo-FamilyThree-FamilyFour-Family
Accomack$453,100$580,150$701,250$871,450
Albemarle$453,100$580,150$701,250$871,450
Alexandria City$679,650$870,225$1,051,875$1,307,175
Alleghany$453,100$580,150$701,250$871,450
Amelia$535,900$686,050$829,250$1,030,600
Amherst$453,100$580,150$701,250$871,450
Appomattox$453,100$580,150$701,250$871,450
Arlington$679,650$870,225$1,051,875$1,307,175
Augusta$453,100$580,150$701,250$871,450
Bath$453,100$580,150$701,250$871,450
Bedford$453,100$580,150$701,250$871,450
Bedford City$453,100$580,150$701,250$871,450
Bland$453,100$580,150$701,250$871,450
Botetourt$453,100$580,150$701,250$871,450
Bristol City$453,100$580,150$701,250$871,450
Brunswick$453,100$580,150$701,250$871,450
Buchanan$453,100$580,150$701,250$871,450
Buckingham$453,100$580,150$701,250$871,450
Buena Vista Cit$453,100$580,150$701,250$871,450
Campbell$453,100$580,150$701,250$871,450
Caroline$535,900$686,050$829,250$1,030,600
Carroll$453,100$580,150$701,250$871,450
Charles City$535,900$686,050$829,250$1,030,600
Charlotte$453,100$580,150$701,250$871,450
Charlottesville$453,100$580,150$701,250$871,450
Chesapeake City$458,850$587,400$710,050$882,400
Chesterfield$535,900$686,050$829,250$1,030,600
Clarke$679,650$870,225$1,051,875$1,307,175
Colonial Height$535,900$686,050$829,250$1,030,600
Covington City$453,100$580,150$701,250$871,450
Craig$453,100$580,150$701,250$871,450
Culpeper$679,650$870,225$1,051,875$1,307,175
Cumberland$535,900$686,050$829,250$1,030,600
Danville City$453,100$580,150$701,250$871,450
Dickenson$453,100$580,150$701,250$871,450
Dinwiddie$535,900$686,050$829,250$1,030,600
Emporia City$453,100$580,150$701,250$871,450
Essex$453,100$580,150$701,250$871,450
Fairfax$679,650$870,225$1,051,875$1,307,175
Fairfax City$679,650$870,225$1,051,875$1,307,175
Falls Church Ci$679,650$870,225$1,051,875$1,307,175
Fauquier$679,650$870,225$1,051,875$1,307,175
Floyd$453,100$580,150$701,250$871,450
Fluvanna$453,100$580,150$701,250$871,450
Franklin$453,100$580,150$701,250$871,450
Franklin City$453,100$580,150$701,250$871,450
Frederick$453,100$580,150$701,250$871,450
Fredericksburg$679,650$870,225$1,051,875$1,307,175
Galax City$453,100$580,150$701,250$871,450
Giles$453,100$580,150$701,250$871,450
Gloucester$458,850$587,400$710,050$882,400
Goochland$535,900$686,050$829,250$1,030,600
Grayson$453,100$580,150$701,250$871,450
Greene$453,100$580,150$701,250$871,450
Greensville$453,100$580,150$701,250$871,450
Halifax$453,100$580,150$701,250$871,450
Hampton City$458,850$587,400$710,050$882,400
Hanover$535,900$686,050$829,250$1,030,600
Harrisonburg Ci$453,100$580,150$701,250$871,450
Henrico$535,900$686,050$829,250$1,030,600
Henry$453,100$580,150$701,250$871,450
Highland$453,100$580,150$701,250$871,450
Hopewell City$535,900$686,050$829,250$1,030,600
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$453,100$580,150$701,250$871,450
King William$535,900$686,050$829,250$1,030,600
Lancaster$453,100$580,150$701,250$871,450
Lee$453,100$580,150$701,250$871,450
Lexington City$453,100$580,150$701,250$871,450
Loudoun$679,650$870,225$1,051,875$1,307,175
Louisa$535,900$686,050$829,250$1,030,600
Lunenburg$453,100$580,150$701,250$871,450
Lynchburg City$453,100$580,150$701,250$871,450
Madison$453,100$580,150$701,250$871,450
Manassas City$679,650$870,225$1,051,875$1,307,175
Manassas Park C$679,650$870,225$1,051,875$1,307,175
Martinsville Ci$453,100$580,150$701,250$871,450
Mathews$458,850$587,400$710,050$882,400
Mecklenburg$453,100$580,150$701,250$871,450
Middlesex$453,100$580,150$701,250$871,450
Montgomery$453,100$580,150$701,250$871,450
Nelson$453,100$580,150$701,250$871,450
New Kent$535,900$686,050$829,250$1,030,600
Newport News Ci$458,850$587,400$710,050$882,400
Norfolk City$458,850$587,400$710,050$882,400
Northampton$453,100$580,150$701,250$871,450
Northumberland$453,100$580,150$701,250$871,450
Norton City$453,100$580,150$701,250$871,450
Nottoway$453,100$580,150$701,250$871,450
Orange$453,100$580,150$701,250$871,450
Page$453,100$580,150$701,250$871,450
Patrick$453,100$580,150$701,250$871,450
Petersburg City$535,900$686,050$829,250$1,030,600
Pittsylvania$453,100$580,150$701,250$871,450
Poquoson City$458,850$587,400$710,050$882,400
Portsmouth City$458,850$587,400$710,050$882,400
Powhatan$535,900$686,050$829,250$1,030,600
Prince Edward$453,100$580,150$701,250$871,450
Prince George$535,900$686,050$829,250$1,030,600
Prince William$679,650$870,225$1,051,875$1,307,175
Pulaski$453,100$580,150$701,250$871,450
Radford City$453,100$580,150$701,250$871,450
Rappahannock$679,650$870,225$1,051,875$1,307,175
Richmond$453,100$580,150$701,250$871,450
Richmond City$535,900$686,050$829,250$1,030,600
Roanoke$453,100$580,150$701,250$871,450
Roanoke City$453,100$580,150$701,250$871,450
Rockbridge$453,100$580,150$701,250$871,450
Rockingham$453,100$580,150$701,250$871,450
Russell$453,100$580,150$701,250$871,450
Salem City$453,100$580,150$701,250$871,450
Scott$453,100$580,150$701,250$871,450
Shenandoah$453,100$580,150$701,250$871,450
Smyth$453,100$580,150$701,250$871,450
Southampton$453,100$580,150$701,250$871,450
Spotsylvania$679,650$870,225$1,051,875$1,307,175
Stafford$679,650$870,225$1,051,875$1,307,175
Staunton City$453,100$580,150$701,250$871,450
Suffolk City$458,850$587,400$710,050$882,400
Surry$458,850$587,400$710,050$882,400
Sussex$535,900$686,050$829,250$1,030,600
Tazewell$453,100$580,150$701,250$871,450
Virginia Beach$458,850$587,400$710,050$882,400
Warren$679,650$870,225$1,051,875$1,307,175
Washington$453,100$580,150$701,250$871,450
Waynesboro City$453,100$580,150$701,250$871,450
Westmoreland$453,100$580,150$701,250$871,450
Williamsburg Ci$458,850$587,400$710,050$882,400
Winchester City$453,100$580,150$701,250$871,450
Wise$453,100$580,150$701,250$871,450
Wythe$453,100$580,150$701,250$871,450
York$458,850$587,400$710,050$882,400

 
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