Today’s Mortgage Rates in Virginia<\/h2>\n
Virginia\u2019s average APR on a 30-year mortgage slipped 0.052 points to 6.27% over the past week, according to data from the Mortgage Research Center. The rate is down 0.568 points over the last 90 days and down 0.264 points over the last 30 days.<\/p>\n
The state\u2019s average APR for the benchmark 15-year fixed mortgage increased 0.026 points to 5.293% over the past week. Over the last 90 days, the rate is down 0.57 points; it\u2019s down 0.243 points over the last 30 days.<\/p>\n
The average APR for a 30-year jumbo mortgage decreased 0.046 points to 6.532% since last week. It\u2019s down 0.501 points over the last 90 days and down 0.216 points over the last 30 days.<\/p>\n
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<\/img><\/div>\n30-year fixed-rate mortgage:<\/strong><\/p>\n 15-year fixed-rate mortgage:<\/strong><\/p>\n 30-year fixed-rate jumbo mortgage:<\/strong><\/p>\n Virginia’s average APR for the benchmark 30-year fixed refinance mortgage slipped 0.03 points to 6.37% compared to a week ago. The rate is down 0.537 points over the last 90 days and down 0.224 points over the last 30 days.<\/p>\n The average APR in the state on a 15-year refinanced mortgage increased 0.025 points to 5.273% weekly. Over the last 90 days, the rate is down 0.576 points over the last 90 days; it\u2019s down 0.258 points over the last 30 days.<\/p>\n For jumbo 30-year refinanced mortgages, the average APR decreased 0.048 points to 6.613% week-to-week. It\u2019s down 0.516 points over the last 90 days and down 0.211 points over the last 30 days.<\/p>\n 30-year fixed-rate refinance mortgage:<\/strong><\/p>\n 15-year fixed-rate refinance mortgage:<\/strong><\/p>\n 30-year fixed-rate jumbo refinance mortgage:<\/strong><\/p>\n Understanding mortgage rate trends can help you make more informed home-buying decisions. They can also help you decide when to refinance your current mortgage or lock in a rate for a second mortgage. Depending on your other qualifications as a borrower, analyzing Virginia mortgage rate trends may also help you reduce borrowing costs over the life of your mortgage.<\/p>\n Virginia\u2019s mortgage rates have trended downward over the last three months, as have national rates.<\/p>\n State mortgage rates typically move in line with the national average, but there are state-level differences.<\/p>\n Today’s average mortgage rate in Virginia is 6.27%, while the national average rate is 6.275%. That’s -0.005 percentage points lower than the national average.<\/p>\n Virginia’s mortgage refinance rate today is 6.37% versus the national average of 6.371% \u2013 0.001 percentage points lower than the national average.<\/p>\n Use the chart below to explore the differences between states.<\/p>\n Buying a home in Virginia can be an exciting adventure. Virginia offers a unique and varied landscape, making it easy to find a house or neighborhood that meets your needs. Whether you want to be close to a bustling downtown or in a quiet rural area, knowing the local real estate market and home-buying process is important. No matter where you plan to move, familiarity with the local real estate market is essential. A local real estate agent can help you navigate the process and find the perfect home for your needs. Likewise, staying informed about the real estate market and local rules can simplify your home-buying journey.<\/p>\n Getting the best mortgage rates in Virginia requires planning and research. Interest rates and trends can vary widely across regions, so make sure you understand the current rates in your area. Then, shop around to compare offers from multiple lenders, like banks, credit unions and online mortgage providers.<\/p>\n Maintaining a strong credit score and having a stable financial history can help you qualify for more competitive rates. Likewise, providing a down payment of at least 20% can lower your monthly payments and eliminate the need for private mortgage insurance (PMI). A local mortgage broker or financial advisor who knows the Virginia market can help you navigate the home-buying process more efficiently. By staying informed and proactive, you can find a mortgage rate that best fits your financial situation and home-buying goals.<\/p>\n \n<\/div>\n\n
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Today\u2019s Refinance Rates in Virginia<\/h2>\n
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Virginia Mortgage Rate Trends<\/h2>\n
![\"Virginia](\"http:\/\/www.capitalskips.com\/wp-content\/uploads\/2025\/09\/full-26.png\")
<\/img><\/div>\nVirginia Mortgage Rates vs. National Mortgage Rates<\/h3>\n
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<\/img><\/div>\nBuying a House in Virginia<\/h2>\n
How to Get the Best Mortgage Rates in Virginia<\/h2>\n
Find the Best Mortgage Lenders of 2025<\/h2>\n