Refinance Rates in Virginia

Virginia refinance rates for a $300,000 mortgage refinance loan

The rates below are for a 30-year fixed-rate $300,000 refinance loan on a Single primary residence in Virginia located in ZIP code 20120 with a market value of $375,000 assuming the borrower has a credit score of 740 and an income of 80% the area median income. For a custom rate quote, submit a rate quote request.

*Rates last updated 04/28/25 06:49 AM and are subject to change without notice. For information purposes only and does not constitute a loan approval or commitment to lend.
Lender Danny Rank™ Rate & APR Closing Costs
Or Lender Credit 		Monthly Payment
(Principal & Interest)
1 Ranked #1
This is ranked #1 because it has a balanced combination of interest rate, APR, and closing costs.
6.5% (6.482% APR)
Select this Rate 		You get a $551 lender credit $1,896 per month
2 Ranked #2
This rate is higher but you get a lender credit of $2,042 and don't pay lender-related closing costs.
6.625% (6.559% APR)
Select this Rate 		You get a $2,042 lender credit $1,921 per month
This payment is $25/mo higher but you get a lender credit of $2,042 at closing. If you plan to refinance or sell earlier than 5 years, considering choosing this rate.
3 Ranked #3
This rate is higher but you get a lender credit of $1,178 and don't pay lender-related closing costs.
6.625% (6.587% APR)
Select this Rate 		You get a $1,178 lender credit $1,921 per month
This payment is $25/mo higher but you get a lender credit of $1,178 at closing. If you plan to refinance or sell earlier than 2.1 years, considering choosing this rate.
4 6.625% (6.593% APR)
Select this Rate 		You get a $989 lender credit $1,921 per month
5 6.625% (6.598% APR)
Select this Rate 		You get a $830 lender credit $1,921 per month
6 6.625% (6.603% APR)
Select this Rate 		You get a $683 lender credit $1,921 per month
7 6.625% (6.61% APR)
Select this Rate 		You get a $458 lender credit $1,921 per month
8 6.625% (6.619% APR)
Select this Rate 		You get a $185 lender credit $1,921 per month
9 6.625% (6.621% APR)
Select this Rate 		You get a $125 lender credit $1,921 per month
10 6.625% (6.623% APR)
Select this Rate 		You get a $60 lender credit $1,921 per month
11 6.625% (6.628% APR)
Select this Rate 		You pay $91 closing costs $1,921 per month
12 6.5% (6.511% APR)
Select this Rate 		You pay $346 closing costs $1,896 per month
13 6.5% (6.512% APR)
Select this Rate 		You pay $379 closing costs $1,896 per month
14 6.625% (6.642% APR)
Select this Rate 		You pay $529 closing costs $1,921 per month
15 6.5% (6.517% APR)
Select this Rate 		You pay $538 closing costs $1,896 per month
16 6.625% (6.643% APR)
Select this Rate 		You pay $550 closing costs $1,921 per month
17 6.625% (6.647% APR)
Select this Rate 		You pay $688 closing costs $1,921 per month
18 6.5% (6.523% APR)
Select this Rate 		You pay $712 closing costs $1,896 per month
19 6.625% (6.649% APR)
Select this Rate 		You pay $733 closing costs $1,921 per month
20 6.5% (6.529% APR)
Select this Rate 		You pay $898 closing costs $1,896 per month
21 6.5% (6.53% APR)
Select this Rate 		You pay $925 closing costs $1,896 per month
22 6.375% (6.407% APR)
Select this Rate 		You pay $997 closing costs $1,872 per month
23 6.625% (6.658% APR)
Select this Rate 		You pay $1,006 closing costs $1,921 per month
24 6.5% (6.544% APR)
Select this Rate 		You pay $1,375 closing costs $1,896 per month
25 6.5% (6.545% APR)
Select this Rate 		You pay $1,398 closing costs $1,896 per month
26 6.625% (6.671% APR)
Select this Rate 		You pay $1,421 closing costs $1,921 per month
27 6.5% (6.549% APR)
Select this Rate 		You pay $1,516 closing costs $1,896 per month
28 6.625% (6.676% APR)
Select this Rate 		You pay $1,576 closing costs $1,921 per month
29 6.5% (6.551% APR)
Select this Rate 		You pay $1,600 closing costs $1,896 per month
30 6.625% (6.683% APR)
Select this Rate 		You pay $1,800 closing costs $1,921 per month
31 6.375% (6.436% APR)
Select this Rate 		You pay $1,912 closing costs $1,872 per month
32 6.5% (6.562% APR)
Select this Rate 		You pay $1,933 closing costs $1,896 per month
33 6.375% (6.439% APR)
Select this Rate 		You pay $2,011 closing costs $1,872 per month
34 6.375% (6.441% APR)
Select this Rate 		You pay $2,059 closing costs $1,872 per month
35 6.625% (6.693% APR)
Select this Rate 		You pay $2,095 closing costs $1,921 per month
36 6.5% (6.569% APR)
Select this Rate 		You pay $2,152 closing costs $1,896 per month
37 6.5% (6.572% APR)
Select this Rate 		You pay $2,236 closing costs $1,896 per month
38 6.375% (6.448% APR)
Select this Rate 		You pay $2,272 closing costs $1,872 per month
39 6.375% (6.448% APR)
Select this Rate 		You pay $2,272 closing costs $1,872 per month
40 6.5% (6.575% APR)
Select this Rate 		You pay $2,335 closing costs $1,896 per month
41 6.625% (6.706% APR)
Select this Rate 		You pay $2,500 closing costs $1,921 per month
42 6.625% (6.707% APR)
Select this Rate 		You pay $2,515 closing costs $1,921 per month
43 6.5% (6.587% APR)
Select this Rate 		You pay $2,687 closing costs $1,896 per month
44 6.625% (6.714% APR)
Select this Rate 		You pay $2,730 closing costs $1,921 per month
45 6.375% (6.463% APR)
Select this Rate 		You pay $2,743 closing costs $1,872 per month
46 6.375% (6.465% APR)
Select this Rate 		You pay $2,803 closing costs $1,872 per month
47 6.375% (6.468% APR)
Select this Rate 		You pay $2,897 closing costs $1,872 per month
48 6.375% (6.472% APR)
Select this Rate 		You pay $3,019 closing costs $1,872 per month
49 6.5% (6.6% APR)
Select this Rate 		You pay $3,085 closing costs $1,896 per month
50 6.5% (6.605% APR)
Select this Rate 		You pay $3,240 closing costs $1,896 per month
51 6.375% (6.479% APR)
Select this Rate 		You pay $3,250 closing costs $1,872 per month
52 6.625% (6.734% APR)
Select this Rate 		You pay $3,337 closing costs $1,921 per month
53 6.625% (6.734% APR)
Select this Rate 		You pay $3,339 closing costs $1,921 per month
54 6.375% (6.483% APR)
Select this Rate 		You pay $3,379 closing costs $1,872 per month
55 6.375% (6.487% APR)
Select this Rate 		You pay $3,490 closing costs $1,872 per month
56 6.625% (6.74% APR)
Select this Rate 		You pay $3,541 closing costs $1,921 per month
57 6.5% (6.615% APR)
Select this Rate 		You pay $3,556 closing costs $1,896 per month
58 6.5% (6.617% APR)
Select this Rate 		You pay $3,625 closing costs $1,896 per month
59 6.5% (6.618% APR)
Select this Rate 		You pay $3,643 closing costs $1,896 per month
60 6.375% (6.492% APR)
Select this Rate 		You pay $3,655 closing costs $1,872 per month
61 6.625% (6.744% APR)
Select this Rate 		You pay $3,664 closing costs $1,921 per month
62 6.375% (6.497% APR)
Select this Rate 		You pay $3,805 closing costs $1,872 per month
63 6.5% (6.627% APR)
Select this Rate 		You pay $3,931 closing costs $1,896 per month
64 6.625% (6.757% APR)
Select this Rate 		You pay $4,039 closing costs $1,921 per month
65 6.375% (6.505% APR)
Select this Rate 		You pay $4,050 closing costs $1,872 per month
66 6.625% (6.758% APR)
Select this Rate 		You pay $4,069 closing costs $1,921 per month
67 6.375% (6.514% APR)
Select this Rate 		You pay $4,311 closing costs $1,872 per month
68 6.625% (6.772% APR)
Select this Rate 		You pay $4,507 closing costs $1,921 per month
69 6.625% (6.775% APR)
Select this Rate 		You pay $4,576 closing costs $1,921 per month
70 6.375% (6.524% APR)
Select this Rate 		You pay $4,618 closing costs $1,872 per month
71 6.5% (6.651% APR)
Select this Rate 		You pay $4,663 closing costs $1,896 per month
72 6.5% (6.653% APR)
Select this Rate 		You pay $4,714 closing costs $1,896 per month
73 6.5% (6.654% APR)
Select this Rate 		You pay $4,741 closing costs $1,896 per month
74 6.375% (6.528% APR)
Select this Rate 		You pay $4,750 closing costs $1,872 per month
75 6.625% (6.783% APR)
Select this Rate 		You pay $4,836 closing costs $1,921 per month
76 6.5% (6.664% APR)
Select this Rate 		You pay $5,038 closing costs $1,896 per month
77 6.5% (6.664% APR)
Select this Rate 		You pay $5,053 closing costs $1,896 per month
78 6.375% (6.538% APR)
Select this Rate 		You pay $5,062 closing costs $1,872 per month
79 6.375% (6.544% APR)
Select this Rate 		You pay $5,254 closing costs $1,872 per month
80 6.5% (6.672% APR)
Select this Rate 		You pay $5,280 closing costs $1,896 per month
81 6.5% (6.68% APR)
Select this Rate 		You pay $5,545 closing costs $1,896 per month
82 6.375% (6.558% APR)
Select this Rate 		You pay $5,678 closing costs $1,872 per month
83 6.5% (6.689% APR)
Select this Rate 		You pay $5,824 closing costs $1,896 per month
84 6.375% (6.57% APR)
Select this Rate 		You pay $6,036 closing costs $1,872 per month
85 6.375% (6.574% APR)
Select this Rate 		You pay $6,142 closing costs $1,872 per month
86 6.5% (6.703% APR)
Select this Rate 		You pay $6,228 closing costs $1,896 per month
87 6.375% (6.579% APR)
Select this Rate 		You pay $6,307 closing costs $1,872 per month
88 6.375% (6.581% APR)
Select this Rate 		You pay $6,358 closing costs $1,872 per month
89 6.375% (6.586% APR)
Select this Rate 		You pay $6,511 closing costs $1,872 per month
90 6.375% (6.594% APR)
Select this Rate 		You pay $6,774 closing costs $1,872 per month
91 6.375% (6.602% APR)
Select this Rate 		You pay $7,015 closing costs $1,872 per month
92 6.375% (6.608% APR)
Select this Rate 		You pay $7,192 closing costs $1,872 per month
93 6.375% (6.622% APR)
Select this Rate 		You pay $7,601 closing costs $1,872 per month
Assumptions: Home value: $375,000 Loan amount: $300,000 ZIP code: 20120, Credit score 740, Borrower income: 80% area median income Single Family Residence. Primary Residence. 30-day lock. Rates as of 04/28/25 06:49 AM. Pricing is for information purposes only and does not constitute a loan approval or commitment to lend. Rates are subject to change without notice.