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30-Year Fixed Conforming Mortgage Refinance

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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Virginia 30-Year Fixed Conforming Mortgage Refinance

October 30, 2025
Average: 6.80% APR

Advertiser Disclosure

Lender	APR	Rate (%)	Monthly Payment^?
New American Funding, LLC NMLS ID: 6606	Adjustable Mortgage Made Easy – Secure Low Initial Rate Offering Conventional, VA, & FHA Loans. Online Mortgage Application and Live Agents Available Over 390k Positive Reviews, A Rating With BBB 30 Yr Fixed		$0	Learn More
Saxton Mortgage NMLS ID: 1717191	5.852% 30 Yr Fixed	5.750% Fees & Points $3,657 Total 0.740 Pts: $2,368 $1,289 Fees	$1,868	Learn More See Table View
Reliant Home Funding, Inc. NMLS ID: 292473	5.879% 30 Yr Fixed	5.750% Fees & Points $4,501 Total 0.783 Pts: $2,506 $1,995 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
Loansteady NMLS ID: 1701910	5.987% 30 Yr Fixed	5.875% Fees & Points $3,890 Total 0.750 Pts: $2,400 $1,490 Fees	$1,893	Learn More See Table View
Home Simply NMLS ID: 2473786 License#: MC-7711	5.989% 30 Yr Fixed	5.875% Fees & Points $3,949 Total 0.892 Pts: $2,854 $1,095 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
PenFed Credit Union NMLS ID: 401822	6.059% 30 Yr Fixed	5.875% Fees & Points $6,400 Total 1.000 Pts: $3,200 $3,200 Fees	$1,893	Learn More See Table View
DECO Mortgage NMLS ID: 2561451	6.098% 30 Yr Fixed	5.990% Fees & Points $3,713 Total 0.926 Pts: $2,963 $750 Fees	$1,917	Learn More See Table View
Farmers Bank of Kansas City NMLS ID: 613839	6.133% 30 Yr Fixed	5.990% Fees & Points $4,937 Total 0.953 Pts: $3,050 $1,887 Fees	$1,917	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
New American Funding, LLC. NMLS ID: 6606	6.456% 30 Yr Fixed	6.375% Fees & Points $2,704 Total 0.845 Pts: $2,704 $0 Fees	$1,997	Learn More See Table View
Mutual of Omaha Mortgage, Inc. NMLS ID: 1025894	6.463% 30 Yr Fixed	6.375% Fees & Points $2,966 Total 0.708 Pts: $2,266 $700 Fees	$1,997	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
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			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
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
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
U.s. Bank National Association Updated 05/07/2023	6.27%	6.13% 0.63 points $0.00 fees	$1,944.35	Learn MoreShow Less See Table View
Charles Schwab Bank, Ssb Updated 10/24/2025	5.92%	6.25% 1.88 points $3,210.00 fees	$1,969.25	Learn MoreShow Less See Table View
State Employees' Credit Union Updated 10/13/2023 Restrictions	7.60%	6.35% 0.00 points $0.00 fees	$1,990.11	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
Jovia Financial Credit Union Updated 02/28/2023 Restrictions	6.60%	6.50% 0.00 points $0.00 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
Jpmorgan Chase Bank, National Association Updated 02/21/2024	6.96%	6.88% 0.00 points $0.00 fees	$2,102.17	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
Tower Credit Union Updated 06/15/2022 Restrictions	7.04%	7.00% 0.00 points $0.00 fees	$2,128.97	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
United Nations Credit Union Updated 06/15/2022 Restrictions	7.28%	7.25% 0.00 points $2,784.00 fees	$2,182.96	Learn MoreShow Less See Table View
Coastal Credit Union Updated 06/15/2022 Restrictions	7.28%	7.25% 0.00 points $1,946.00 fees	$2,182.96	Learn MoreShow Less See Table View
State Employees Cu Of Maryland, Inc Credit Union Updated 06/15/2022 Restrictions	7.29%	7.25% 0.00 points $2,784.00 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
Farmers Bank Updated 06/15/2022	7.51%	7.38% 0.00 points $0.00 fees	$2,210.16	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
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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