Today's Fixed Rate 4.9%5.3% APR


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Lower Down Payment

You may be able to buy a home with a lower down payment.

Why would I want a lower down payment?
Lower down payment Reduced upfront cost
Piggy bank Keep some savings for emergencies

Easier Credit Requirements

FHA loans have lower credit score requirements.

How does this help me?
Low credit score Acquire a mortgage with a lower credit score
Increase credit score Get an FHA Loan to build credit

First Time Homebuyers

Lower down payments and credit score requirements make FHA Loans a popular financing option for first time homebuyers.

How do FHA loans help first time home buyers?
snapping fingers to show ease Easier credit requirements
Lower down payment Lower down payment requirements

Virginia Mortgage Rates

Everyone has seen the famous t-shirts claiming that “Virginia is for Lovers,” but Virginia is also a fantastic destination for anyone looking to buy a house. From the hustle and bustle around Washington D.C. and the history of Williamsburg on the east side of the state to the relaxing beauty of the Blue Ridge Mountains on the western side of the state, Virginia really does have something to offer just about everyone.

Common Virginia Loan Types:

  • Virginia conventional mortgages: Virginia mortgage requirements and rates vary based on the area you live in, or want to live in, and your financial situation. Compare mortgage rates on to find the option that's right for you.
  • Virginia FHA loans: Home loans backed by the FHA are offered throughout the U.S. The FHA doesn't offer loans directly, you can find one through an FHA-approved lender in Virginia on today. FHA loans are typically offered to first-time homebuyers. FHA loans are designed for low- to moderate-income borrowers with lower credit scores.
  • Virginia VA loans: VA loans are backed by the Department of Veterans Affairs; VA loans are offered to eligible active duty service members and veterans. The VA doesn't offer loans directly, but you can find one through a VA-approved lender in Virginia through VA loans require no down payment and typically have lower interest rates than conventional mortgages.

Virginia Mortgage Rates Compared to National Averages

Whether you are looking for the lowest possible payment by going with a 30-year fixed-rate mortgage or a slightly better interest rate on a 15-year fixed rate mortgage, the average mortgage interest rate in Virginia usually sits just slightly below the national average.

Virginia homebuyers can also find 5/1 adjustable-rate mortgages just below the national average, and the refinance rates for existing homeowners also tend to fall either right in line or slightly below the average rates across the country.