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 $150000 Refinance loan in VA.
Refinance
Your loan amount is greater than the value of the property, a condition known as being "underwater".
TIP: Save money by contacting 3 or more lenders.

30 year fixed mortgage rates today from 3.875%

Updated: 11/15/2019
30 Yr. Fixed
30 Yr. Fixed
Rate as low as
3.970%
APR
Rate as low as
3.875%
Rate
$ 4,594
Monthly Payment
Show Details
Updated: 9/4/2019
30 Yr. Fixed
30 Yr. Fixed
Rate as low as
3.845%
APR
Rate as low as
3.750%
Rate
$ 4,525
Monthly Payment
Show Details
Updated: 11/15/2019
CloseYourOwnLoan.com
  • Skip the salesman. Keep the commission!
  • Get online rates, payments and a Good Faith Estimate
  • $1,000 Best Rate Guarantee
Updated: 9/4/2019
RateZip
  • Compare up to 5 Offers, Against a Network of 1000s of Lenders
  • 3.411% APR
  • Fixed Rate 30yr

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
AccomackOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
AlbemarleOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
AlexandriaOne Family$726,525Two Family$930,300Three Family$1,124,475Four Family$1,397,400
AlleghanyOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
AmeliaOne Family$535,900Two Family$686,050Three Family$829,250Four Family$1,030,600
AmherstOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
AppomattoxOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
ArlingtonOne Family$726,525Two Family$930,300Three Family$1,124,475Four Family$1,397,400
AugustaOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
BathOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
BedfordOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
Bedford IndOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
BlandOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
BotetourtOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
BristolOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
BrunswickOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
BuchananOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
BuckinghamOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
Buena VistaOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
CampbellOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
CarolineOne Family$535,900Two Family$686,050Three Family$829,250Four Family$1,030,600
CarrollOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
Charles CityOne Family$535,900Two Family$686,050Three Family$829,250Four Family$1,030,600
CharlotteOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
CharlottesvilleOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
ChesapeakeOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
ChesterfieldOne Family$535,900Two Family$686,050Three Family$829,250Four Family$1,030,600
ClarkeOne Family$726,525Two Family$930,300Three Family$1,124,475Four Family$1,397,400
Colonial HeightOne Family$535,900Two Family$686,050Three Family$829,250Four Family$1,030,600
CovingtonOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
CraigOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
CulpeperOne Family$726,525Two Family$930,300Three Family$1,124,475Four Family$1,397,400
CumberlandOne Family$535,900Two Family$686,050Three Family$829,250Four Family$1,030,600
DanvilleOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
DickensonOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
DinwiddieOne Family$535,900Two Family$686,050Three Family$829,250Four Family$1,030,600
EmporiaOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
EssexOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
FairfaxOne Family$726,525Two Family$930,300Three Family$1,124,475Four Family$1,397,400
Fairfax IndOne Family$726,525Two Family$930,300Three Family$1,124,475Four Family$1,397,400
Falls ChurchOne Family$726,525Two Family$930,300Three Family$1,124,475Four Family$1,397,400
FauquierOne Family$726,525Two Family$930,300Three Family$1,124,475Four Family$1,397,400
FloydOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
FluvannaOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
FranklinOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
Franklin IndOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
FrederickOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
FredericksburgOne Family$726,525Two Family$930,300Three Family$1,124,475Four Family$1,397,400
GalaxOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
GilesOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
GloucesterOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
GoochlandOne Family$535,900Two Family$686,050Three Family$829,250Four Family$1,030,600
GraysonOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
GreeneOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
GreensvilleOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
HalifaxOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
HamptonOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
HanoverOne Family$535,900Two Family$686,050Three Family$829,250Four Family$1,030,600
HarrisonburgOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
HenricoOne Family$535,900Two Family$686,050Three Family$829,250Four Family$1,030,600
HenryOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
HighlandOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
HopewellOne Family$535,900Two Family$686,050Three Family$829,250Four Family$1,030,600
Isle Of WightOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
James CityOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
King And QueenOne Family$535,900Two Family$686,050Three Family$829,250Four Family$1,030,600
King GeorgeOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
King WilliamOne Family$535,900Two Family$686,050Three Family$829,250Four Family$1,030,600
LancasterOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
LeeOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
LexingtonOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
LoudounOne Family$726,525Two Family$930,300Three Family$1,124,475Four Family$1,397,400
LouisaOne Family$535,900Two Family$686,050Three Family$829,250Four Family$1,030,600
LunenburgOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
LynchburgOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
MadisonOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
ManassasOne Family$726,525Two Family$930,300Three Family$1,124,475Four Family$1,397,400
Manassas ParkOne Family$726,525Two Family$930,300Three Family$1,124,475Four Family$1,397,400
MartinsvilleOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
MathewsOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
MecklenburgOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
MiddlesexOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
MontgomeryOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
NelsonOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
New KentOne Family$535,900Two Family$686,050Three Family$829,250Four Family$1,030,600
Newport NewsOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
NorfolkOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
NorthamptonOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
NorthumberlandOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
NortonOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
NottowayOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
OrangeOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
PageOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
PatrickOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
PetersburgOne Family$535,900Two Family$686,050Three Family$829,250Four Family$1,030,600
PittsylvaniaOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
PoquosonOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
PortsmouthOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
PowhatanOne Family$535,900Two Family$686,050Three Family$829,250Four Family$1,030,600
Prince EdwardOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
Prince GeorgeOne Family$535,900Two Family$686,050Three Family$829,250Four Family$1,030,600
Prince WilliamOne Family$726,525Two Family$930,300Three Family$1,124,475Four Family$1,397,400
PulaskiOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
RadfordOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
RappahannockOne Family$726,525Two Family$930,300Three Family$1,124,475Four Family$1,397,400
RichmondOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
Richmond IndOne Family$535,900Two Family$686,050Three Family$829,250Four Family$1,030,600
RoanokeOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
Roanoke IndOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
RockbridgeOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
RockinghamOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
RussellOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
SalemOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
ScottOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
ShenandoahOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
SmythOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
SouthamptonOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
SpotsylvaniaOne Family$726,525Two Family$930,300Three Family$1,124,475Four Family$1,397,400
StaffordOne Family$726,525Two Family$930,300Three Family$1,124,475Four Family$1,397,400
StauntonOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
SuffolkOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
SurryOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
SussexOne Family$535,900Two Family$686,050Three Family$829,250Four Family$1,030,600
TazewellOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
Virginia BeachOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
WarrenOne Family$726,525Two Family$930,300Three Family$1,124,475Four Family$1,397,400
WashingtonOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
WaynesboroOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
WestmorelandOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
WilliamsburgOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
WinchesterOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
WiseOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
WytheOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
YorkOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600