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 06/01/25 21:40 PM 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.
6.625% (6.62% APR)
Select this Rate 		You get a $158 lender credit $1,921 per month
2 Ranked #2
This rate is higher but you get a lender credit of $1,319 and don't pay lender-related closing costs.
6.75% (6.707% APR)
Select this Rate 		You get a $1,319 lender credit $1,946 per month
This payment is $25/mo higher but you get a lender credit of $1,319 at closing. If you plan to refinance or sell earlier than 3.9 years, considering choosing this rate.
3 Ranked #3
This rate is higher but you get a lender credit of $1,133 and don't pay lender-related closing costs.
6.75% (6.713% APR)
Select this Rate 		You get a $1,133 lender credit $1,946 per month
This payment is $25/mo higher but you get a lender credit of $1,133 at closing. If you plan to refinance or sell earlier than 3.3 years, considering choosing this rate.
4 6.75% (6.741% APR)
Select this Rate 		You get a $269 lender credit $1,946 per month
5 6.75% (6.746% APR)
Select this Rate 		You get a $125 lender credit $1,946 per month
6 6.75% (6.751% APR)
Select this Rate 		You pay $34 closing costs $1,946 per month
7 6.75% (6.752% APR)
Select this Rate 		You pay $65 closing costs $1,946 per month
8 6.75% (6.752% APR)
Select this Rate 		You pay $67 closing costs $1,946 per month
9 6.75% (6.753% APR)
Select this Rate 		You pay $91 closing costs $1,946 per month
10 6.75% (6.756% APR)
Select this Rate 		You pay $197 closing costs $1,946 per month
11 6.75% (6.757% APR)
Select this Rate 		You pay $220 closing costs $1,946 per month
12 6.75% (6.767% APR)
Select this Rate 		You pay $534 closing costs $1,946 per month
13 6.625% (6.644% APR)
Select this Rate 		You pay $601 closing costs $1,921 per month
14 6.75% (6.77% APR)
Select this Rate 		You pay $625 closing costs $1,946 per month
15 6.75% (6.772% APR)
Select this Rate 		You pay $679 closing costs $1,946 per month
16 6.625% (6.652% APR)
Select this Rate 		You pay $832 closing costs $1,921 per month
17 6.625% (6.663% APR)
Select this Rate 		You pay $1,168 closing costs $1,921 per month
18 6.625% (6.665% APR)
Select this Rate 		You pay $1,228 closing costs $1,921 per month
19 6.75% (6.791% APR)
Select this Rate 		You pay $1,272 closing costs $1,946 per month
20 6.5% (6.541% APR)
Select this Rate 		You pay $1,279 closing costs $1,896 per month
21 6.625% (6.667% APR)
Select this Rate 		You pay $1,300 closing costs $1,921 per month
22 6.625% (6.668% APR)
Select this Rate 		You pay $1,321 closing costs $1,921 per month
23 6.625% (6.67% APR)
Select this Rate 		You pay $1,380 closing costs $1,921 per month
24 6.625% (6.671% APR)
Select this Rate 		You pay $1,426 closing costs $1,921 per month
25 6.75% (6.797% APR)
Select this Rate 		You pay $1,441 closing costs $1,946 per month
26 6.625% (6.682% APR)
Select this Rate 		You pay $1,750 closing costs $1,921 per month
27 6.625% (6.682% APR)
Select this Rate 		You pay $1,750 closing costs $1,921 per month
28 6.625% (6.683% APR)
Select this Rate 		You pay $1,784 closing costs $1,921 per month
29 6.75% (6.81% APR)
Select this Rate 		You pay $1,843 closing costs $1,946 per month
30 6.5% (6.565% APR)
Select this Rate 		You pay $2,017 closing costs $1,896 per month
31 6.625% (6.694% APR)
Select this Rate 		You pay $2,125 closing costs $1,921 per month
32 6.5% (6.572% APR)
Select this Rate 		You pay $2,245 closing costs $1,896 per month
33 6.5% (6.583% APR)
Select this Rate 		You pay $2,566 closing costs $1,896 per month
34 6.625% (6.71% APR)
Select this Rate 		You pay $2,630 closing costs $1,921 per month
35 6.75% (6.838% APR)
Select this Rate 		You pay $2,692 closing costs $1,946 per month
36 6.625% (6.713% APR)
Select this Rate 		You pay $2,694 closing costs $1,921 per month
37 6.5% (6.589% APR)
Select this Rate 		You pay $2,762 closing costs $1,896 per month
38 6.5% (6.59% APR)
Select this Rate 		You pay $2,779 closing costs $1,896 per month
39 6.5% (6.59% APR)
Select this Rate 		You pay $2,802 closing costs $1,896 per month
40 6.5% (6.592% APR)
Select this Rate 		You pay $2,845 closing costs $1,896 per month
41 6.5% (6.593% APR)
Select this Rate 		You pay $2,875 closing costs $1,896 per month
42 6.75% (6.845% APR)
Select this Rate 		You pay $2,902 closing costs $1,946 per month
43 6.75% (6.846% APR)
Select this Rate 		You pay $2,926 closing costs $1,946 per month
44 6.5% (6.598% APR)
Select this Rate 		You pay $3,045 closing costs $1,896 per month
45 6.5% (6.599% APR)
Select this Rate 		You pay $3,073 closing costs $1,896 per month
46 6.625% (6.728% APR)
Select this Rate 		You pay $3,175 closing costs $1,921 per month
47 6.5% (6.605% APR)
Select this Rate 		You pay $3,250 closing costs $1,896 per month
48 6.75% (6.865% APR)
Select this Rate 		You pay $3,498 closing costs $1,946 per month
49 6.75% (6.867% APR)
Select this Rate 		You pay $3,556 closing costs $1,946 per month
50 6.75% (6.869% APR)
Select this Rate 		You pay $3,625 closing costs $1,946 per month
51 6.5% (6.621% APR)
Select this Rate 		You pay $3,727 closing costs $1,896 per month
52 6.5% (6.626% APR)
Select this Rate 		You pay $3,887 closing costs $1,896 per month
53 6.5% (6.631% APR)
Select this Rate 		You pay $4,035 closing costs $1,896 per month
54 6.75% (6.884% APR)
Select this Rate 		You pay $4,078 closing costs $1,946 per month
55 6.75% (6.884% APR)
Select this Rate 		You pay $4,078 closing costs $1,946 per month
56 6.75% (6.889% APR)
Select this Rate 		You pay $4,215 closing costs $1,946 per month
57 6.5% (6.642% APR)
Select this Rate 		You pay $4,375 closing costs $1,896 per month
58 6.625% (6.768% APR)
Select this Rate 		You pay $4,375 closing costs $1,921 per month
59 6.625% (6.769% APR)
Select this Rate 		You pay $4,420 closing costs $1,921 per month
60 6.75% (6.897% APR)
Select this Rate 		You pay $4,453 closing costs $1,946 per month
61 6.625% (6.772% APR)
Select this Rate 		You pay $4,513 closing costs $1,921 per month
62 6.75% (6.899% APR)
Select this Rate 		You pay $4,540 closing costs $1,946 per month
63 6.625% (6.779% APR)
Select this Rate 		You pay $4,711 closing costs $1,921 per month
64 6.625% (6.781% APR)
Select this Rate 		You pay $4,783 closing costs $1,921 per month
65 6.625% (6.784% APR)
Select this Rate 		You pay $4,852 closing costs $1,921 per month
66 6.625% (6.8% APR)
Select this Rate 		You pay $5,352 closing costs $1,921 per month
67 6.5% (6.684% APR)
Select this Rate 		You pay $5,668 closing costs $1,896 per month
68 6.625% (6.812% APR)
Select this Rate 		You pay $5,719 closing costs $1,921 per month
69 6.625% (6.812% APR)
Select this Rate 		You pay $5,719 closing costs $1,921 per month
70 6.625% (6.815% APR)
Select this Rate 		You pay $5,797 closing costs $1,921 per month
71 6.5% (6.691% APR)
Select this Rate 		You pay $5,875 closing costs $1,896 per month
72 6.625% (6.819% APR)
Select this Rate 		You pay $5,902 closing costs $1,921 per month
73 6.75% (6.955% APR)
Select this Rate 		You pay $6,190 closing costs $1,946 per month
74 6.5% (6.705% APR)
Select this Rate 		You pay $6,280 closing costs $1,896 per month
75 6.5% (6.706% APR)
Select this Rate 		You pay $6,330 closing costs $1,896 per month
76 6.5% (6.709% APR)
Select this Rate 		You pay $6,400 closing costs $1,896 per month
77 6.5% (6.718% APR)
Select this Rate 		You pay $6,673 closing costs $1,896 per month
78 6.5% (6.72% APR)
Select this Rate 		You pay $6,733 closing costs $1,896 per month
79 6.5% (6.72% APR)
Select this Rate 		You pay $6,733 closing costs $1,896 per month
80 6.5% (6.722% APR)
Select this Rate 		You pay $6,798 closing costs $1,896 per month
81 6.5% (6.732% APR)
Select this Rate 		You pay $7,117 closing costs $1,896 per month
82 6.5% (6.734% APR)
Select this Rate 		You pay $7,180 closing costs $1,896 per month
83 6.625% (6.866% APR)
Select this Rate 		You pay $7,324 closing costs $1,921 per month
84 6.5% (6.788% APR)
Select this Rate 		You pay $8,776 closing costs $1,896 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 06/01/25 21:40 PM. Pricing is for information purposes only and does not constitute a loan approval or commitment to lend. Rates are subject to change without notice.