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Emporia, Virginia 30-Year Fixed Mortgage Refinance Rates 2025

Compare Virginia 30-Year Fixed Conforming Mortgage Refinance Rates with a loan amount of $320,000. Use the search box below to change the mortgage product or the loan amount. Click the lender name to view more information.

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Emporia, Virginia 30-Year Fixed Conforming Mortgage Refinance

December 17, 2025
Average: 6.80% APR

Advertiser Disclosure

Lender	APR	Rate (%)	Monthly Payment^?
Agave Home Loans NMLS ID: 1951574 License#: MC-7701	REFI, HELOC, & Home Equity Loan Options A+ BBB Rating & 1500+ 5-Star Reviews Get a Quote WITHOUT a Hard Credit Pull Top 3 in Customer Satisfaction by Lending Tree Q4 2024 30 Yr Fixed		$0	Learn More
Reliant Home Funding, Inc. NMLS ID: 292473	5.859% 30 Yr Fixed	5.750% Fees & Points $3,813 Total 0.568 Pts: $1,818 $1,995 Fees	$1,868	Learn More See Table View
Farmers Bank of Kansas City NMLS ID: 613839	5.871% 30 Yr Fixed	5.750% Fees & Points $4,243 Total 0.736 Pts: $2,355 $1,888 Fees	$1,868	Learn More See Table View
Foundation Home Loans, LLC NMLS ID: 2559614 License#: MC-7844	5.954% 30 Yr Fixed	5.875% Fees & Points $2,752 Total 0.860 Pts: $2,752 $0 Fees	$1,893	Learn More See Table View
Pure Rate Mortgage NMLS ID: 2578474	5.956% 30 Yr Fixed	5.875% Fees & Points $2,810 Total 0.550 Pts: $1,760 $1,050 Fees	$1,893	Learn More See Table View
Valley West Mortgage NMLS ID: 65506	5.976% 30 Yr Fixed	5.875% Fees & Points $3,575 Total 0.750 Pts: $2,400 $1,175 Fees	$1,893	Learn More See Table View
Home Simply NMLS ID: 2473786 License#: MC-7711	5.983% 30 Yr Fixed	5.875% Fees & Points $3,761 Total 0.833 Pts: $2,666 $1,095 Fees	$1,893	Learn More See Table View
River City Mortgage LLC NMLS ID: 142954 License#: MC-5755	6.001% 30 Yr Fixed	5.875% Fees & Points $4,483 Total 0.779 Pts: $2,493 $1,990 Fees	$1,893	Learn More See Table View
West Capital Lending NMLS ID: 1566096	6.003% 30 Yr Fixed	5.875% Fees & Points $4,453 Total 0.987 Pts: $3,158 $1,295 Fees	$1,893	Learn More See Table View
Northpointe Bank NMLS ID: 447490	6.003% 30 Yr Fixed	5.875% Fees & Points $4,422 Total 0.946 Pts: $3,027 $1,395 Fees	$1,893	Learn More See Table View
Beeline Loans, Inc. NMLS ID: 1799947	6.054% 30 Yr Fixed	5.990% Fees & Points $2,189 Total 0.684 Pts: $2,189 $0 Fees	$1,917	Learn More See Table View
DECO Mortgage NMLS ID: 2561451	6.070% 30 Yr Fixed	5.999% Fees & Points $2,443 Total 0.529 Pts: $1,693 $750 Fees	$1,919	Learn More See Table View
Allied Mortgage Group, Inc. NMLS ID: 1067	6.083% 30 Yr Fixed	6.000% Fees & Points $2,838 Total 0.887 Pts: $2,838 $0 Fees	$1,919	Learn More See Table View
Better.com NMLS ID: 330511	6.102% 30 Yr Fixed	6.000% Fees & Points $3,497 Total 0.782 Pts: $2,502 $995 Fees	$1,919	Learn More See Table View
Refi.com NMLS ID: 1907	6.201% 30 Yr Fixed	6.125% Fees & Points $2,602 Total 0.813 Pts: $2,602 $0 Fees	$1,945	Learn More See Table View
PenFed Credit Union NMLS ID: 401822	6.277% 30 Yr Fixed	6.125% Fees & Points $5,200 Total 0.625 Pts: $2,000 $3,200 Fees	$1,945	Learn More See Table View
New American Funding, LLC. NMLS ID: 6606	6.332% 30 Yr Fixed	6.240% Fees & Points $3,133 Total 0.979 Pts: $3,133 $0 Fees	$1,969	Learn More See Table View
Mutual of Omaha Mortgage, Inc. NMLS ID: 1025894	6.360% 30 Yr Fixed	6.250% Fees & Points $3,727 Total 0.946 Pts: $3,027 $700 Fees	$1,971	Learn More See Table View
Beeline Loans, Inc. NMLS ID: 1799947	Apply in less than 10 minutes. Fast, stress-free closing in as little as 14 days More loan types so you’re more likely to qualify "The smoothest refi experience I’ve ever had" - TR, Houston 30 Yr Fixed			Learn More
Veterans United Home Loans NMLS ID: 1907	Use your VA Loan benefits to get cash from your home equity Get a personalized quote fast with instant uploads and 24/7 access Over 300,000 verified 5-star reviews 30 Yr Fixed			Learn More
Quicken Loans NMLS ID: 167283	Homeowners best kept secret for cash See if a HELOAN could lower payments Access cash without a changing your rate It costs $0 to see how much you could get with a lender 30 Yr Fixed			Learn More
Rate data provided by RateUpdate.com. Displayed by ICB, a division of Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes, insurance premiums or private mortgage insurance if applicable. Actual payments will be greater with taxes and insurance included. Click here for more information on rates and product details.
Pnc Bank, National Association Updated 10/04/2022	6.20%	6.00% 0.00 points $3,210.00 fees	$1,918.56	Learn MoreShow Less See Table View
Td Bank, National Association Updated 10/10/2022	6.67%	6.50% 0.00 points $4,266.00 fees	$2,022.62	Learn MoreShow Less See Table View
Pentagon Credit Union Updated 06/15/2022 Restrictions	6.52%	6.50% 0.00 points $2,784.00 fees	$2,022.62	Learn MoreShow Less See Table View
Citibank, National Association Updated 10/18/2024	6.59%	6.72% 0.63 points $2,739.00 fees	$2,068.50	Learn MoreShow Less See Table View
Bank Of America, National Association Updated 05/07/2023	7.05%	6.88% 0.84 points $0.00 fees	$2,102.17	Learn MoreShow Less See Table View
Chartway Credit Union Updated 06/15/2022 Restrictions	7.16%	7.00% 0.38 points $0.00 fees	$2,128.97	Learn MoreShow Less See Table View
Virginia Credit Union, Inc., Credit Union Updated 06/15/2022 Restrictions	7.26%	7.13% 1.00 points $2,784.00 fees	$2,156.98	Learn MoreShow Less See Table View
Navy Federal Credit Union Credit Union Updated 01/30/2023 Restrictions	7.43%	7.25% 0.75 points $0.00 fees	$2,182.96	Learn MoreShow Less See Table View
Eastman Credit Union Updated 06/15/2022 Restrictions	7.41%	7.25% 1.00 points $2,784.00 fees	$2,182.96	Learn MoreShow Less See Table View
Northwest Credit Union Updated 06/15/2022 Restrictions	7.41%	7.38% 0.25 points $3,854.00 fees	$2,210.16	Learn MoreShow Less See Table View
Wells Fargo Bank, National Association Updated 09/27/2024	5.20%	7.44% 0.00 points $0.00 fees	$2,225.23	Learn MoreShow Less See Table View
Truist Bank Updated 05/17/2024	7.10%	7.77% 0.00 points $3,874.00 fees	$2,296.50	Learn MoreShow Less See Table View
Hometrust Bank Updated 06/15/2022	8.04%	7.88% 1.00 points $2,000.00 fees	$2,321.33	Learn MoreShow Less See Table View
Data provided by BestCashCow

Advertiser Disclosure: The lenders whose rates and other terms appear on this chart are ICB's advertising partners. They provide their rate information to our data partner RateUpdate.com. Unless adjusted by the consumer, advertisers are sorted by APR from lowest to highest. For any advertising partners that do not provide their rate they are listed in advertisement display units at the bottom of the chart. Advertising partners may not pay to improve the frequency priority or prominence of their display. The interest rates, annual percentage rates and other terms advertised here are estimates provided by those advertising partners based on the information you entered above and do not bind. Any lender Monthly payment amounts stated do not include amounts for taxes and insurance premiums. The actual payment obligation will be greater if taxes and insurance are included. Although our data partner RateUpdate.com collects the information from the financial institutions themselves, the accuracy of the data cannot be guaranteed. Rates may change without notice and can change intraday. Some of the information contained in the rate tables including but not limited to special marketing notes is provided directly by the lenders. Please verify the rates and offers before applying for a loan with the financial institution themselves. No rate is binding until locked by a lender.

¹ Rate data provided by RateUpdate.com. Displayed by ICB, a division of Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes, insurance premiums or private mortgage insurance if applicable. Actual payments will be greater with taxes and insurance included. Click here for more information on rates and product details.

Rates from this table are based on loan amount of $320,000 and a variety of factors including credit score and loan to value ratios. Rates may change at any time and are not guaranteed to be correct. For specific requirements please check with the lender.

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Emporia, Virginia 30-Year Fixed Mortgage Refinance Rates 2025

Emporia, Virginia 30-Year Fixed Conforming Mortgage Refinance

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