Today's VA Mortgage Rates5.5%6.3% APR Fixed Mortgage


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Switch from Non-VA to a VA Loan

You may be missing out on benefits of a VA loan that your current loan does not offer.

What benefits may I be missing?
Lower mortgage payments Mortgage backed by the VA
Lower interest Potentially lower interest rates

Cash Out VA Refinance

Cash out to pay off other debts and reap the benefits of a VA Loan.

Why would I want to cash out with a VA Loan?
Fingers snapping Consolidate debts into your mortgage
Lower closing cost payments Lower closing costs when refinancing

No Down Payment

Many VA-backed purchase loans offer no down payment as long as the sales price isn't higher than the appraised value.

Why would I want to make no down payment?
Lower down payment Reduced upfront cost
Piggy bank No need for down payment savings

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.