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 08/13/25 07:04 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% (6.472% APR)
Select this Rate 		You get a $875 lender credit $1,896 per month
2 Ranked #2
This rate is the same but you get a smaller lender credit of $848
6.5% (6.473% APR)
Select this Rate 		You get a $848 lender credit $1,896 per month
This payment is the same but you get a smaller lender credit of $848 at closing.
3 Ranked #3
This rate is the same but you get a smaller lender credit of $658
6.5% (6.479% APR)
Select this Rate 		You get a $658 lender credit $1,896 per month
This payment is the same but you get a smaller lender credit of $658 at closing.
4 6.5% (6.48% APR)
Select this Rate 		You get a $620 lender credit $1,896 per month
5 6.5% (6.482% APR)
Select this Rate 		You get a $548 lender credit $1,896 per month
6 6.5% (6.482% APR)
Select this Rate 		You get a $566 lender credit $1,896 per month
7 6.5% (6.484% APR)
Select this Rate 		You get a $500 lender credit $1,896 per month
8 6.5% (6.492% APR)
Select this Rate 		You get a $241 lender credit $1,896 per month
9 6.5% (6.495% APR)
Select this Rate 		You get a $161 lender credit $1,896 per month
10 6.625% (6.552% APR)
Select this Rate 		You get a $2,283 lender credit $1,921 per month
11 6.625% (6.561% APR)
Select this Rate 		You get a $1,988 lender credit $1,921 per month
12 6.625% (6.561% APR)
Select this Rate 		You get a $1,987 lender credit $1,921 per month
13 6.625% (6.565% APR)
Select this Rate 		You get a $1,865 lender credit $1,921 per month
14 6.625% (6.571% APR)
Select this Rate 		You get a $1,695 lender credit $1,921 per month
15 6.625% (6.573% APR)
Select this Rate 		You get a $1,625 lender credit $1,921 per month
16 6.625% (6.573% APR)
Select this Rate 		You get a $1,625 lender credit $1,921 per month
17 6.625% (6.577% APR)
Select this Rate 		You get a $1,502 lender credit $1,921 per month
18 6.625% (6.578% APR)
Select this Rate 		You get a $1,462 lender credit $1,921 per month
19 6.625% (6.582% APR)
Select this Rate 		You get a $1,325 lender credit $1,921 per month
20 6.625% (6.583% APR)
Select this Rate 		You get a $1,300 lender credit $1,921 per month
21 6.625% (6.586% APR)
Select this Rate 		You get a $1,226 lender credit $1,921 per month
22 6.625% (6.597% APR)
Select this Rate 		You get a $881 lender credit $1,921 per month
23 6.625% (6.597% APR)
Select this Rate 		You get a $866 lender credit $1,921 per month
24 6.625% (6.601% APR)
Select this Rate 		You get a $730 lender credit $1,921 per month
25 6.625% (6.603% APR)
Select this Rate 		You get a $688 lender credit $1,921 per month
26 6.625% (6.625% APR)
Select this Rate 		You pay $4 closing costs $1,921 per month
27 6.5% (6.501% APR)
Select this Rate 		You pay $34 closing costs $1,896 per month
28 6.5% (6.503% APR)
Select this Rate 		You pay $87 closing costs $1,896 per month
29 6.5% (6.507% APR)
Select this Rate 		You pay $220 closing costs $1,896 per month
30 6.625% (6.632% APR)
Select this Rate 		You pay $232 closing costs $1,921 per month
31 6.5% (6.509% APR)
Select this Rate 		You pay $292 closing costs $1,896 per month
32 6.5% (6.518% APR)
Select this Rate 		You pay $549 closing costs $1,896 per month
33 6.5% (6.52% APR)
Select this Rate 		You pay $624 closing costs $1,896 per month
34 6.375% (6.395% APR)
Select this Rate 		You pay $625 closing costs $1,872 per month
35 6.625% (6.645% APR)
Select this Rate 		You pay $625 closing costs $1,921 per month
36 6.5% (6.52% APR)
Select this Rate 		You pay $639 closing costs $1,896 per month
37 6.375% (6.396% APR)
Select this Rate 		You pay $667 closing costs $1,872 per month
38 6.625% (6.647% APR)
Select this Rate 		You pay $667 closing costs $1,921 per month
39 6.375% (6.399% APR)
Select this Rate 		You pay $754 closing costs $1,872 per month
40 6.625% (6.65% APR)
Select this Rate 		You pay $771 closing costs $1,921 per month
41 6.625% (6.652% APR)
Select this Rate 		You pay $841 closing costs $1,921 per month
42 6.375% (6.407% APR)
Select this Rate 		You pay $1,000 closing costs $1,872 per month
43 6.375% (6.407% APR)
Select this Rate 		You pay $1,012 closing costs $1,872 per month
44 6.625% (6.658% APR)
Select this Rate 		You pay $1,033 closing costs $1,921 per month
45 6.375% (6.409% APR)
Select this Rate 		You pay $1,078 closing costs $1,872 per month
46 6.375% (6.412% APR)
Select this Rate 		You pay $1,162 closing costs $1,872 per month
47 6.375% (6.415% APR)
Select this Rate 		You pay $1,247 closing costs $1,872 per month
48 6.625% (6.669% APR)
Select this Rate 		You pay $1,357 closing costs $1,921 per month
49 6.5% (6.544% APR)
Select this Rate 		You pay $1,372 closing costs $1,896 per month
50 6.375% (6.421% APR)
Select this Rate 		You pay $1,454 closing costs $1,872 per month
51 6.5% (6.548% APR)
Select this Rate 		You pay $1,486 closing costs $1,896 per month
52 6.375% (6.424% APR)
Select this Rate 		You pay $1,528 closing costs $1,872 per month
53 6.375% (6.424% APR)
Select this Rate 		You pay $1,530 closing costs $1,872 per month
54 6.375% (6.429% APR)
Select this Rate 		You pay $1,698 closing costs $1,872 per month
55 6.5% (6.556% APR)
Select this Rate 		You pay $1,750 closing costs $1,896 per month
56 6.375% (6.433% APR)
Select this Rate 		You pay $1,819 closing costs $1,872 per month
57 6.625% (6.684% APR)
Select this Rate 		You pay $1,822 closing costs $1,921 per month
58 6.625% (6.689% APR)
Select this Rate 		You pay $1,963 closing costs $1,921 per month
59 6.375% (6.438% APR)
Select this Rate 		You pay $1,978 closing costs $1,872 per month
60 6.375% (6.438% APR)
Select this Rate 		You pay $1,984 closing costs $1,872 per month
61 6.625% (6.69% APR)
Select this Rate 		You pay $1,993 closing costs $1,921 per month
62 6.375% (6.442% APR)
Select this Rate 		You pay $2,087 closing costs $1,872 per month
63 6.5% (6.569% APR)
Select this Rate 		You pay $2,131 closing costs $1,896 per month
64 6.5% (6.575% APR)
Select this Rate 		You pay $2,326 closing costs $1,896 per month
65 6.5% (6.58% APR)
Select this Rate 		You pay $2,467 closing costs $1,896 per month
66 6.625% (6.707% APR)
Select this Rate 		You pay $2,509 closing costs $1,921 per month
67 6.625% (6.707% APR)
Select this Rate 		You pay $2,509 closing costs $1,921 per month
68 6.5% (6.582% APR)
Select this Rate 		You pay $2,533 closing costs $1,896 per month
69 6.5% (6.583% APR)
Select this Rate 		You pay $2,566 closing costs $1,896 per month
70 6.375% (6.471% APR)
Select this Rate 		You pay $2,992 closing costs $1,872 per month
71 6.375% (6.472% APR)
Select this Rate 		You pay $3,028 closing costs $1,872 per month
72 6.375% (6.473% APR)
Select this Rate 		You pay $3,046 closing costs $1,872 per month
73 6.625% (6.73% APR)
Select this Rate 		You pay $3,211 closing costs $1,921 per month
74 6.5% (6.604% APR)
Select this Rate 		You pay $3,214 closing costs $1,896 per month
75 6.375% (6.479% APR)
Select this Rate 		You pay $3,250 closing costs $1,872 per month
76 6.5% (6.605% APR)
Select this Rate 		You pay $3,262 closing costs $1,896 per month
77 6.5% (6.61% APR)
Select this Rate 		You pay $3,418 closing costs $1,896 per month
78 6.5% (6.619% APR)
Select this Rate 		You pay $3,667 closing costs $1,896 per month
79 6.5% (6.619% APR)
Select this Rate 		You pay $3,667 closing costs $1,896 per month
80 6.375% (6.494% APR)
Select this Rate 		You pay $3,715 closing costs $1,872 per month
81 6.375% (6.499% APR)
Select this Rate 		You pay $3,850 closing costs $1,872 per month
82 6.375% (6.504% APR)
Select this Rate 		You pay $4,004 closing costs $1,872 per month
83 6.375% (6.507% APR)
Select this Rate 		You pay $4,093 closing costs $1,872 per month
84 6.5% (6.633% APR)
Select this Rate 		You pay $4,120 closing costs $1,896 per month
85 6.375% (6.523% APR)
Select this Rate 		You pay $4,609 closing costs $1,872 per month
86 6.375% (6.53% APR)
Select this Rate 		You pay $4,822 closing costs $1,872 per month
87 6.375% (6.532% APR)
Select this Rate 		You pay $4,888 closing costs $1,872 per month
88 6.375% (6.548% APR)
Select this Rate 		You pay $5,359 closing costs $1,872 per month
89 6.375% (6.548% APR)
Select this Rate 		You pay $5,359 closing costs $1,872 per month
90 6.375% (6.552% APR)
Select this Rate 		You pay $5,486 closing costs $1,872 per month
91 6.625% (6.851% APR)
Select this Rate 		You pay $6,889 closing costs $1,921 per month
92 6.5% (6.767% APR)
Select this Rate 		You pay $8,161 closing costs $1,896 per month
93 6.625% (6.897% APR)
Select this Rate 		You pay $8,245 closing costs $1,921 per month
94 6.375% (6.687% APR)
Select this Rate 		You pay $9,568 closing costs $1,872 per month
95 6.5% (6.817% APR)
Select this Rate 		You pay $9,637 closing costs $1,896 per month
96 6.375% (6.747% APR)
Select this Rate 		You pay $11,353 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 08/13/25 07:04 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.