Today's Virginia Mortgage Rates in the HSH Lender Showcase

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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.

2022 Conforming loan limits for Virginia

County Name One Family Two Family Three Family Four Family
Accomack County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Albemarle County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Alexandria City One Family$970,800 Two Family$1,243,050 Three Family$1,502,475 Four Family$1,867,275
Alleghany County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Amelia County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Amherst County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Appomattox County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Arlington County One Family$970,800 Two Family$1,243,050 Three Family$1,502,475 Four Family$1,867,275
Augusta County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Bath County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Bedford County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Bland County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Botetourt County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Bristol City One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Brunswick County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Buchanan County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Buckingham County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Buena Vista City One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Campbell County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Caroline County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Carroll County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Charles City County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Charlotte County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Charlottesville City One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Chesapeake City One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Chesterfield County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Clarke County One Family$970,800 Two Family$1,243,050 Three Family$1,502,475 Four Family$1,867,275
Colonial Heights City One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Covington City One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Craig County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Culpeper County One Family$970,800 Two Family$1,243,050 Three Family$1,502,475 Four Family$1,867,275
Cumberland County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Danville City One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Dickenson County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Dinwiddie County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Emporia City One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Essex County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Fairfax City One Family$970,800 Two Family$1,243,050 Three Family$1,502,475 Four Family$1,867,275
Fairfax County One Family$970,800 Two Family$1,243,050 Three Family$1,502,475 Four Family$1,867,275
Falls Church City One Family$970,800 Two Family$1,243,050 Three Family$1,502,475 Four Family$1,867,275
Fauquier County One Family$970,800 Two Family$1,243,050 Three Family$1,502,475 Four Family$1,867,275
Floyd County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Fluvanna County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Franklin City One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Franklin County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Frederick County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Fredericksburg City One Family$970,800 Two Family$1,243,050 Three Family$1,502,475 Four Family$1,867,275
Galax City One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Giles County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Gloucester County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Goochland County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Grayson County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Greene County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Greensville County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Halifax County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Hampton City One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Hanover County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Harrisonburg City One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Henrico County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Henry County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Highland County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Hopewell City One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Isle Of Wight County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
James City County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
King And Queen County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
King George County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
King William County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Lancaster County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Lee County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Lexington City One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Loudoun County One Family$970,800 Two Family$1,243,050 Three Family$1,502,475 Four Family$1,867,275
Louisa County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Lunenburg County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Lynchburg City One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Madison County One Family$970,800 Two Family$1,243,050 Three Family$1,502,475 Four Family$1,867,275
Manassas City One Family$970,800 Two Family$1,243,050 Three Family$1,502,475 Four Family$1,867,275
Manassas Park City One Family$970,800 Two Family$1,243,050 Three Family$1,502,475 Four Family$1,867,275
Martinsville City One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Mathews County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Mecklenburg County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Middlesex County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Montgomery County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Nelson County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
New Kent County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Newport News City One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Norfolk City One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Northampton County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Northumberland County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Norton City One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Nottoway County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Orange County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Page County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Patrick County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Petersburg City One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Pittsylvania County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Poquoson City One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Portsmouth City One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Powhatan County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Prince Edward County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Prince George County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Prince William County One Family$970,800 Two Family$1,243,050 Three Family$1,502,475 Four Family$1,867,275
Pulaski County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Radford City One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Rappahannock County One Family$970,800 Two Family$1,243,050 Three Family$1,502,475 Four Family$1,867,275
Richmond City One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Richmond County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Roanoke City One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Roanoke County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Rockbridge County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Rockingham County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Russell County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Salem City One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Scott County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Shenandoah County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Smyth County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Southampton County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Spotsylvania County One Family$970,800 Two Family$1,243,050 Three Family$1,502,475 Four Family$1,867,275
Stafford County One Family$970,800 Two Family$1,243,050 Three Family$1,502,475 Four Family$1,867,275
Staunton City One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Suffolk City One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Surry County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Sussex County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Tazewell County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Virginia Beach City One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Warren County One Family$970,800 Two Family$1,243,050 Three Family$1,502,475 Four Family$1,867,275
Washington County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Waynesboro City One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Westmoreland County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Williamsburg City One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Winchester City One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Wise County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Wythe County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
York County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
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