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 06/30/25 09:29 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% (6.456% APR)
Select this Rate 		You get a $1,373 lender credit $1,896 per month
2 Ranked #2
This rate is the same but you get a smaller lender credit of $458
6.5% (6.485% APR)
Select this Rate 		You get a $458 lender credit $1,896 per month
This payment is the same but you get a smaller lender credit of $458 at closing.
3 Ranked #3
This rate is the same but you get a smaller lender credit of $227
6.5% (6.493% APR)
Select this Rate 		You get a $227 lender credit $1,896 per month
This payment is the same but you get a smaller lender credit of $227 at closing.
4 6.5% (6.495% APR)
Select this Rate 		You get a $153 lender credit $1,896 per month
5 6.5% (6.497% APR)
Select this Rate 		You get a $94 lender credit $1,896 per month
6 6.625% (6.537% APR)
Select this Rate 		You get a $2,732 lender credit $1,921 per month
7 6.625% (6.545% APR)
Select this Rate 		You get a $2,480 lender credit $1,921 per month
8 6.625% (6.554% APR)
Select this Rate 		You get a $2,208 lender credit $1,921 per month
9 6.625% (6.576% APR)
Select this Rate 		You get a $1,532 lender credit $1,921 per month
10 6.625% (6.579% APR)
Select this Rate 		You get a $1,429 lender credit $1,921 per month
11 6.625% (6.581% APR)
Select this Rate 		You get a $1,355 lender credit $1,921 per month
12 6.625% (6.587% APR)
Select this Rate 		You get a $1,190 lender credit $1,921 per month
13 6.625% (6.592% APR)
Select this Rate 		You get a $1,022 lender credit $1,921 per month
14 6.625% (6.594% APR)
Select this Rate 		You get a $956 lender credit $1,921 per month
15 6.625% (6.594% APR)
Select this Rate 		You get a $950 lender credit $1,921 per month
16 6.625% (6.597% APR)
Select this Rate 		You get a $875 lender credit $1,921 per month
17 6.625% (6.6% APR)
Select this Rate 		You get a $770 lender credit $1,921 per month
18 6.625% (6.601% APR)
Select this Rate 		You get a $752 lender credit $1,921 per month
19 6.625% (6.609% APR)
Select this Rate 		You get a $500 lender credit $1,921 per month
20 6.625% (6.61% APR)
Select this Rate 		You get a $467 lender credit $1,921 per month
21 6.625% (6.617% APR)
Select this Rate 		You get a $253 lender credit $1,921 per month
22 6.625% (6.625% APR)
Select this Rate 		You get a $10 lender credit $1,921 per month
23 6.375% (6.379% APR)
Select this Rate 		You pay $118 closing costs $1,872 per month
24 6.5% (6.504% APR)
Select this Rate 		You pay $139 closing costs $1,896 per month
25 6.5% (6.506% APR)
Select this Rate 		You pay $178 closing costs $1,896 per month
26 6.5% (6.508% APR)
Select this Rate 		You pay $250 closing costs $1,896 per month
27 6.5% (6.508% APR)
Select this Rate 		You pay $250 closing costs $1,896 per month
28 6.5% (6.51% APR)
Select this Rate 		You pay $301 closing costs $1,896 per month
29 6.5% (6.512% APR)
Select this Rate 		You pay $385 closing costs $1,896 per month
30 6.5% (6.513% APR)
Select this Rate 		You pay $403 closing costs $1,896 per month
31 6.5% (6.516% APR)
Select this Rate 		You pay $505 closing costs $1,896 per month
32 6.625% (6.641% APR)
Select this Rate 		You pay $508 closing costs $1,921 per month
33 6.625% (6.646% APR)
Select this Rate 		You pay $649 closing costs $1,921 per month
34 6.5% (6.526% APR)
Select this Rate 		You pay $814 closing costs $1,896 per month
35 6.375% (6.408% APR)
Select this Rate 		You pay $1,045 closing costs $1,872 per month
36 6.5% (6.534% APR)
Select this Rate 		You pay $1,054 closing costs $1,896 per month
37 6.5% (6.534% APR)
Select this Rate 		You pay $1,067 closing costs $1,896 per month
38 6.375% (6.413% APR)
Select this Rate 		You pay $1,177 closing costs $1,872 per month
39 6.5% (6.542% APR)
Select this Rate 		You pay $1,295 closing costs $1,896 per month
40 6.375% (6.418% APR)
Select this Rate 		You pay $1,346 closing costs $1,872 per month
41 6.375% (6.418% APR)
Select this Rate 		You pay $1,347 closing costs $1,872 per month
42 6.375% (6.424% APR)
Select this Rate 		You pay $1,543 closing costs $1,872 per month
43 6.375% (6.425% APR)
Select this Rate 		You pay $1,552 closing costs $1,872 per month
44 6.625% (6.678% APR)
Select this Rate 		You pay $1,633 closing costs $1,921 per month
45 6.375% (6.428% APR)
Select this Rate 		You pay $1,669 closing costs $1,872 per month
46 6.375% (6.428% APR)
Select this Rate 		You pay $1,672 closing costs $1,872 per month
47 6.625% (6.681% APR)
Select this Rate 		You pay $1,735 closing costs $1,921 per month
48 6.375% (6.431% APR)
Select this Rate 		You pay $1,750 closing costs $1,872 per month
49 6.375% (6.431% APR)
Select this Rate 		You pay $1,750 closing costs $1,872 per month
50 6.375% (6.432% APR)
Select this Rate 		You pay $1,786 closing costs $1,872 per month
51 6.625% (6.684% APR)
Select this Rate 		You pay $1,816 closing costs $1,921 per month
52 6.625% (6.685% APR)
Select this Rate 		You pay $1,864 closing costs $1,921 per month
53 6.5% (6.56% APR)
Select this Rate 		You pay $1,879 closing costs $1,896 per month
54 6.5% (6.561% APR)
Select this Rate 		You pay $1,882 closing costs $1,896 per month
55 6.375% (6.436% APR)
Select this Rate 		You pay $1,924 closing costs $1,872 per month
56 6.625% (6.693% APR)
Select this Rate 		You pay $2,107 closing costs $1,921 per month
57 6.625% (6.694% APR)
Select this Rate 		You pay $2,125 closing costs $1,921 per month
58 6.625% (6.697% APR)
Select this Rate 		You pay $2,206 closing costs $1,921 per month
59 6.375% (6.448% APR)
Select this Rate 		You pay $2,275 closing costs $1,872 per month
60 6.625% (6.703% APR)
Select this Rate 		You pay $2,409 closing costs $1,921 per month
61 6.375% (6.455% APR)
Select this Rate 		You pay $2,489 closing costs $1,872 per month
62 6.625% (6.707% APR)
Select this Rate 		You pay $2,521 closing costs $1,921 per month
63 6.625% (6.707% APR)
Select this Rate 		You pay $2,524 closing costs $1,921 per month
64 6.375% (6.457% APR)
Select this Rate 		You pay $2,566 closing costs $1,872 per month
65 6.625% (6.709% APR)
Select this Rate 		You pay $2,593 closing costs $1,921 per month
66 6.375% (6.463% APR)
Select this Rate 		You pay $2,740 closing costs $1,872 per month
67 6.5% (6.603% APR)
Select this Rate 		You pay $3,186 closing costs $1,896 per month
68 6.625% (6.731% APR)
Select this Rate 		You pay $3,244 closing costs $1,921 per month
69 6.625% (6.731% APR)
Select this Rate 		You pay $3,244 closing costs $1,921 per month
70 6.5% (6.605% APR)
Select this Rate 		You pay $3,250 closing costs $1,896 per month
71 6.5% (6.606% APR)
Select this Rate 		You pay $3,277 closing costs $1,896 per month
72 6.375% (6.48% APR)
Select this Rate 		You pay $3,289 closing costs $1,872 per month
73 6.375% (6.483% APR)
Select this Rate 		You pay $3,358 closing costs $1,872 per month
74 6.5% (6.611% APR)
Select this Rate 		You pay $3,425 closing costs $1,896 per month
75 6.625% (6.738% APR)
Select this Rate 		You pay $3,461 closing costs $1,921 per month
76 6.5% (6.613% APR)
Select this Rate 		You pay $3,508 closing costs $1,896 per month
77 6.5% (6.615% APR)
Select this Rate 		You pay $3,559 closing costs $1,896 per month
78 6.5% (6.621% APR)
Select this Rate 		You pay $3,745 closing costs $1,896 per month
79 6.5% (6.625% APR)
Select this Rate 		You pay $3,865 closing costs $1,896 per month
80 6.5% (6.625% APR)
Select this Rate 		You pay $3,874 closing costs $1,896 per month
81 6.5% (6.626% APR)
Select this Rate 		You pay $3,889 closing costs $1,896 per month
82 6.5% (6.628% APR)
Select this Rate 		You pay $3,940 closing costs $1,896 per month
83 6.5% (6.636% APR)
Select this Rate 		You pay $4,195 closing costs $1,896 per month
84 6.5% (6.636% APR)
Select this Rate 		You pay $4,195 closing costs $1,896 per month
85 6.375% (6.522% APR)
Select this Rate 		You pay $4,572 closing costs $1,872 per month
86 6.5% (6.652% APR)
Select this Rate 		You pay $4,693 closing costs $1,896 per month
87 6.375% (6.528% APR)
Select this Rate 		You pay $4,750 closing costs $1,872 per month
88 6.375% (6.528% APR)
Select this Rate 		You pay $4,756 closing costs $1,872 per month
89 6.375% (6.531% APR)
Select this Rate 		You pay $4,837 closing costs $1,872 per month
90 6.375% (6.531% APR)
Select this Rate 		You pay $4,840 closing costs $1,872 per month
91 6.375% (6.537% APR)
Select this Rate 		You pay $5,029 closing costs $1,872 per month
92 6.375% (6.538% APR)
Select this Rate 		You pay $5,056 closing costs $1,872 per month
93 6.375% (6.543% APR)
Select this Rate 		You pay $5,203 closing costs $1,872 per month
94 6.375% (6.544% APR)
Select this Rate 		You pay $5,248 closing costs $1,872 per month
95 6.375% (6.547% APR)
Select this Rate 		You pay $5,341 closing costs $1,872 per month
96 6.375% (6.551% APR)
Select this Rate 		You pay $5,452 closing costs $1,872 per month
97 6.625% (6.807% APR)
Select this Rate 		You pay $5,551 closing costs $1,921 per month
98 6.375% (6.556% APR)
Select this Rate 		You pay $5,602 closing costs $1,872 per month
99 6.375% (6.556% APR)
Select this Rate 		You pay $5,602 closing costs $1,872 per month
100 6.375% (6.57% APR)
Select this Rate 		You pay $6,036 closing costs $1,872 per month
101 6.5% (6.74% APR)
Select this Rate 		You pay $7,351 closing costs $1,896 per month
102 6.375% (6.658% APR)
Select this Rate 		You pay $8,704 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 06/30/25 09:29 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.