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 09/10/25 06:38 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.
6.125% (6.059% APR)
Select this Rate 		You get a $2,120 lender credit $1,823 per month
2 Ranked #2
This rate is the same but you get a smaller lender credit of $1,454
6.125% (6.08% APR)
Select this Rate 		You get a $1,454 lender credit $1,823 per month
This payment is the same but you get a smaller lender credit of $1,454 at closing.
3 Ranked #3
This rate is the same but you get a smaller lender credit of $1,016
6.125% (6.093% APR)
Select this Rate 		You get a $1,016 lender credit $1,823 per month
This payment is the same but you get a smaller lender credit of $1,016 at closing.
4 6.125% (6.102% APR)
Select this Rate 		You get a $734 lender credit $1,823 per month
5 6.125% (6.103% APR)
Select this Rate 		You get a $708 lender credit $1,823 per month
6 6.125% (6.109% APR)
Select this Rate 		You get a $508 lender credit $1,823 per month
7 6.125% (6.114% APR)
Select this Rate 		You get a $367 lender credit $1,823 per month
8 6.125% (6.119% APR)
Select this Rate 		You get a $178 lender credit $1,823 per month
9 6.125% (6.122% APR)
Select this Rate 		You get a $83 lender credit $1,823 per month
10 6.25% (6.184% APR)
Select this Rate 		You get a $2,117 lender credit $1,847 per month
11 6.25% (6.215% APR)
Select this Rate 		You get a $1,121 lender credit $1,847 per month
12 6.25% (6.227% APR)
Select this Rate 		You get a $743 lender credit $1,847 per month
13 6.25% (6.23% APR)
Select this Rate 		You get a $636 lender credit $1,847 per month
14 6.25% (6.237% APR)
Select this Rate 		You get a $426 lender credit $1,847 per month
15 6.25% (6.238% APR)
Select this Rate 		You get a $384 lender credit $1,847 per month
16 6.25% (6.242% APR)
Select this Rate 		You get a $269 lender credit $1,847 per month
17 6.25% (6.242% APR)
Select this Rate 		You get a $260 lender credit $1,847 per month
18 6.25% (6.246% APR)
Select this Rate 		You get a $125 lender credit $1,847 per month
19 6.25% (6.25% APR)
Select this Rate 		You pay $16 closing costs $1,847 per month
20 6% (6.002% APR)
Select this Rate 		You pay $58 closing costs $1,799 per month
21 6.25% (6.254% APR)
Select this Rate 		You pay $115 closing costs $1,847 per month
22 6.25% (6.254% APR)
Select this Rate 		You pay $127 closing costs $1,847 per month
23 6.25% (6.258% APR)
Select this Rate 		You pay $250 closing costs $1,847 per month
24 6.25% (6.258% APR)
Select this Rate 		You pay $252 closing costs $1,847 per month
25 6.125% (6.134% APR)
Select this Rate 		You pay $286 closing costs $1,823 per month
26 6% (6.015% APR)
Select this Rate 		You pay $478 closing costs $1,799 per month
27 6.125% (6.141% APR)
Select this Rate 		You pay $517 closing costs $1,823 per month
28 6.25% (6.267% APR)
Select this Rate 		You pay $535 closing costs $1,847 per month
29 6.125% (6.142% APR)
Select this Rate 		You pay $541 closing costs $1,823 per month
30 6.25% (6.267% APR)
Select this Rate 		You pay $541 closing costs $1,847 per month
31 6.125% (6.144% APR)
Select this Rate 		You pay $594 closing costs $1,823 per month
32 6% (6.019% APR)
Select this Rate 		You pay $598 closing costs $1,799 per month
33 6.125% (6.145% APR)
Select this Rate 		You pay $625 closing costs $1,823 per month
34 6.125% (6.148% APR)
Select this Rate 		You pay $727 closing costs $1,823 per month
35 6% (6.026% APR)
Select this Rate 		You pay $839 closing costs $1,799 per month
36 6.25% (6.277% APR)
Select this Rate 		You pay $862 closing costs $1,847 per month
37 6% (6.028% APR)
Select this Rate 		You pay $889 closing costs $1,799 per month
38 6.125% (6.154% APR)
Select this Rate 		You pay $909 closing costs $1,823 per month
39 6.125% (6.156% APR)
Select this Rate 		You pay $1,000 closing costs $1,823 per month
40 6.25% (6.284% APR)
Select this Rate 		You pay $1,067 closing costs $1,847 per month
41 5.875% (5.91% APR)
Select this Rate 		You pay $1,126 closing costs $1,775 per month
42 6.25% (6.286% APR)
Select this Rate 		You pay $1,135 closing costs $1,847 per month
43 6.25% (6.287% APR)
Select this Rate 		You pay $1,174 closing costs $1,847 per month
44 6% (6.037% APR)
Select this Rate 		You pay $1,177 closing costs $1,799 per month
45 6.125% (6.162% APR)
Select this Rate 		You pay $1,186 closing costs $1,823 per month
46 6.125% (6.165% APR)
Select this Rate 		You pay $1,258 closing costs $1,823 per month
47 6% (6.043% APR)
Select this Rate 		You pay $1,375 closing costs $1,799 per month
48 6% (6.045% APR)
Select this Rate 		You pay $1,453 closing costs $1,799 per month
49 6% (6.045% APR)
Select this Rate 		You pay $1,453 closing costs $1,799 per month
50 6% (6.055% APR)
Select this Rate 		You pay $1,750 closing costs $1,799 per month
51 6% (6.06% APR)
Select this Rate 		You pay $1,906 closing costs $1,799 per month
52 6.125% (6.187% APR)
Select this Rate 		You pay $1,960 closing costs $1,823 per month
53 6% (6.068% APR)
Select this Rate 		You pay $2,170 closing costs $1,799 per month
54 6% (6.068% APR)
Select this Rate 		You pay $2,187 closing costs $1,799 per month
55 6% (6.069% APR)
Select this Rate 		You pay $2,198 closing costs $1,799 per month
56 6% (6.069% APR)
Select this Rate 		You pay $2,212 closing costs $1,799 per month
57 6.125% (6.198% APR)
Select this Rate 		You pay $2,305 closing costs $1,823 per month
58 6.25% (6.33% APR)
Select this Rate 		You pay $2,515 closing costs $1,847 per month
59 6% (6.083% APR)
Select this Rate 		You pay $2,662 closing costs $1,799 per month
60 6% (6.089% APR)
Select this Rate 		You pay $2,827 closing costs $1,799 per month
61 6.25% (6.341% APR)
Select this Rate 		You pay $2,875 closing costs $1,847 per month
62 5.875% (5.966% APR)
Select this Rate 		You pay $2,938 closing costs $1,775 per month
63 6% (6.096% APR)
Select this Rate 		You pay $3,058 closing costs $1,799 per month
64 6.25% (6.349% APR)
Select this Rate 		You pay $3,115 closing costs $1,847 per month
65 6.125% (6.228% APR)
Select this Rate 		You pay $3,250 closing costs $1,823 per month
66 6.125% (6.23% APR)
Select this Rate 		You pay $3,328 closing costs $1,823 per month
67 6.25% (6.362% APR)
Select this Rate 		You pay $3,502 closing costs $1,847 per month
68 6.125% (6.241% APR)
Select this Rate 		You pay $3,661 closing costs $1,823 per month
69 6.125% (6.241% APR)
Select this Rate 		You pay $3,676 closing costs $1,823 per month
70 6% (6.118% APR)
Select this Rate 		You pay $3,754 closing costs $1,799 per month
71 6.25% (6.37% APR)
Select this Rate 		You pay $3,757 closing costs $1,847 per month
72 6.25% (6.371% APR)
Select this Rate 		You pay $3,802 closing costs $1,847 per month
73 6.125% (6.251% APR)
Select this Rate 		You pay $3,970 closing costs $1,823 per month
74 6% (6.126% APR)
Select this Rate 		You pay $4,000 closing costs $1,799 per month
75 6.25% (6.378% APR)
Select this Rate 		You pay $4,012 closing costs $1,847 per month
76 6.25% (6.393% APR)
Select this Rate 		You pay $4,489 closing costs $1,847 per month
77 6.125% (6.268% APR)
Select this Rate 		You pay $4,509 closing costs $1,823 per month
78 6.125% (6.268% APR)
Select this Rate 		You pay $4,520 closing costs $1,823 per month
79 6% (6.155% APR)
Select this Rate 		You pay $4,933 closing costs $1,799 per month
80 6% (6.164% APR)
Select this Rate 		You pay $5,209 closing costs $1,799 per month
81 6% (6.17% APR)
Select this Rate 		You pay $5,389 closing costs $1,799 per month
82 6% (6.172% APR)
Select this Rate 		You pay $5,443 closing costs $1,799 per month
83 6% (6.183% APR)
Select this Rate 		You pay $5,786 closing costs $1,799 per month
84 6% (6.19% APR)
Select this Rate 		You pay $6,008 closing costs $1,799 per month
85 6.25% (6.528% APR)
Select this Rate 		You pay $8,617 closing costs $1,847 per month
86 6.125% (6.434% APR)
Select this Rate 		You pay $9,613 closing costs $1,823 per month
87 6% (6.361% APR)
Select this Rate 		You pay $11,284 closing costs $1,799 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 09/10/25 06:38 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.