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 04/02/25 16:52 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.
6.375% (6.342% APR)
Select this Rate 		You get a $1,046 lender credit $1,872 per month
2 Ranked #2
This rate is the same but you get a smaller lender credit of $767
6.375% (6.351% APR)
Select this Rate 		You get a $767 lender credit $1,872 per month
This payment is the same but you get a smaller lender credit of $767 at closing.
3 Ranked #3
This rate is the same but you get a smaller lender credit of $245
6.375% (6.367% APR)
Select this Rate 		You get a $245 lender credit $1,872 per month
This payment is the same but you get a smaller lender credit of $245 at closing.
4 6.375% (6.37% APR)
Select this Rate 		You get a $149 lender credit $1,872 per month
5 6.375% (6.374% APR)
Select this Rate 		You get a $23 lender credit $1,872 per month
6 6.5% (6.419% APR)
Select this Rate 		You get a $2,543 lender credit $1,896 per month
7 6.5% (6.429% APR)
Select this Rate 		You get a $2,213 lender credit $1,896 per month
8 6.5% (6.445% APR)
Select this Rate 		You get a $1,719 lender credit $1,896 per month
9 6.5% (6.449% APR)
Select this Rate 		You get a $1,592 lender credit $1,896 per month
10 6.5% (6.455% APR)
Select this Rate 		You get a $1,421 lender credit $1,896 per month
11 6.5% (6.468% APR)
Select this Rate 		You get a $1,013 lender credit $1,896 per month
12 6.5% (6.472% APR)
Select this Rate 		You get a $863 lender credit $1,896 per month
13 6.5% (6.479% APR)
Select this Rate 		You get a $662 lender credit $1,896 per month
14 6.5% (6.482% APR)
Select this Rate 		You get a $554 lender credit $1,896 per month
15 6.5% (6.484% APR)
Select this Rate 		You get a $512 lender credit $1,896 per month
16 6.5% (6.491% APR)
Select this Rate 		You get a $269 lender credit $1,896 per month
17 6.5% (6.514% APR)
Select this Rate 		You pay $442 closing costs $1,896 per month
18 6.375% (6.392% APR)
Select this Rate 		You pay $520 closing costs $1,872 per month
19 6.25% (6.267% APR)
Select this Rate 		You pay $538 closing costs $1,847 per month
20 6.5% (6.52% APR)
Select this Rate 		You pay $625 closing costs $1,896 per month
21 6.375% (6.397% APR)
Select this Rate 		You pay $682 closing costs $1,872 per month
22 6.375% (6.397% APR)
Select this Rate 		You pay $694 closing costs $1,872 per month
23 6.25% (6.274% APR)
Select this Rate 		You pay $772 closing costs $1,847 per month
24 6.5% (6.527% APR)
Select this Rate 		You pay $847 closing costs $1,896 per month
25 6.375% (6.403% APR)
Select this Rate 		You pay $889 closing costs $1,872 per month
26 6.375% (6.403% APR)
Select this Rate 		You pay $892 closing costs $1,872 per month
27 6.5% (6.532% APR)
Select this Rate 		You pay $1,005 closing costs $1,896 per month
28 6.375% (6.413% APR)
Select this Rate 		You pay $1,177 closing costs $1,872 per month
29 6.5% (6.538% APR)
Select this Rate 		You pay $1,178 closing costs $1,896 per month
30 6.25% (6.291% APR)
Select this Rate 		You pay $1,309 closing costs $1,847 per month
31 6.5% (6.543% APR)
Select this Rate 		You pay $1,339 closing costs $1,896 per month
32 6.25% (6.295% APR)
Select this Rate 		You pay $1,409 closing costs $1,847 per month
33 6.5% (6.548% APR)
Select this Rate 		You pay $1,504 closing costs $1,896 per month
34 6.25% (6.299% APR)
Select this Rate 		You pay $1,558 closing costs $1,847 per month
35 6.375% (6.431% APR)
Select this Rate 		You pay $1,750 closing costs $1,872 per month
36 6.5% (6.559% APR)
Select this Rate 		You pay $1,843 closing costs $1,896 per month
37 6.375% (6.434% APR)
Select this Rate 		You pay $1,846 closing costs $1,872 per month
38 6.375% (6.44% APR)
Select this Rate 		You pay $2,028 closing costs $1,872 per month
39 6.25% (6.319% APR)
Select this Rate 		You pay $2,179 closing costs $1,847 per month
40 6.25% (6.32% APR)
Select this Rate 		You pay $2,197 closing costs $1,847 per month
41 6.5% (6.571% APR)
Select this Rate 		You pay $2,197 closing costs $1,896 per month
42 6.25% (6.32% APR)
Select this Rate 		You pay $2,212 closing costs $1,847 per month
43 6.25% (6.322% APR)
Select this Rate 		You pay $2,272 closing costs $1,847 per month
44 6.375% (6.45% APR)
Select this Rate 		You pay $2,332 closing costs $1,872 per month
45 6.25% (6.327% APR)
Select this Rate 		You pay $2,428 closing costs $1,847 per month
46 6.5% (6.581% APR)
Select this Rate 		You pay $2,500 closing costs $1,896 per month
47 6.375% (6.459% APR)
Select this Rate 		You pay $2,615 closing costs $1,872 per month
48 6.375% (6.46% APR)
Select this Rate 		You pay $2,669 closing costs $1,872 per month
49 6.375% (6.462% APR)
Select this Rate 		You pay $2,716 closing costs $1,872 per month
50 6.125% (6.215% APR)
Select this Rate 		You pay $2,854 closing costs $1,823 per month
51 6.5% (6.593% APR)
Select this Rate 		You pay $2,875 closing costs $1,896 per month
52 6.5% (6.594% APR)
Select this Rate 		You pay $2,914 closing costs $1,896 per month
53 6.5% (6.601% APR)
Select this Rate 		You pay $3,115 closing costs $1,896 per month
54 6.5% (6.601% APR)
Select this Rate 		You pay $3,120 closing costs $1,896 per month
55 6.25% (6.356% APR)
Select this Rate 		You pay $3,340 closing costs $1,847 per month
56 6.375% (6.483% APR)
Select this Rate 		You pay $3,373 closing costs $1,872 per month
57 6.5% (6.612% APR)
Select this Rate 		You pay $3,460 closing costs $1,896 per month
58 6.25% (6.36% APR)
Select this Rate 		You pay $3,462 closing costs $1,847 per month
59 6.375% (6.488% APR)
Select this Rate 		You pay $3,514 closing costs $1,872 per month
60 6.5% (6.615% APR)
Select this Rate 		You pay $3,543 closing costs $1,896 per month
61 6.25% (6.365% APR)
Select this Rate 		You pay $3,625 closing costs $1,847 per month
62 6.375% (6.491% APR)
Select this Rate 		You pay $3,625 closing costs $1,872 per month
63 6.375% (6.491% APR)
Select this Rate 		You pay $3,625 closing costs $1,872 per month
64 6.5% (6.622% APR)
Select this Rate 		You pay $3,784 closing costs $1,896 per month
65 6.5% (6.626% APR)
Select this Rate 		You pay $3,907 closing costs $1,896 per month
66 6.25% (6.375% APR)
Select this Rate 		You pay $3,916 closing costs $1,847 per month
67 6.5% (6.63% APR)
Select this Rate 		You pay $4,020 closing costs $1,896 per month
68 6.25% (6.381% APR)
Select this Rate 		You pay $4,099 closing costs $1,847 per month
69 6.25% (6.384% APR)
Select this Rate 		You pay $4,198 closing costs $1,847 per month
70 6.25% (6.385% APR)
Select this Rate 		You pay $4,227 closing costs $1,847 per month
71 6.375% (6.514% APR)
Select this Rate 		You pay $4,318 closing costs $1,872 per month
72 6.375% (6.516% APR)
Select this Rate 		You pay $4,372 closing costs $1,872 per month
73 6.375% (6.516% APR)
Select this Rate 		You pay $4,398 closing costs $1,872 per month
74 6.5% (6.643% APR)
Select this Rate 		You pay $4,423 closing costs $1,896 per month
75 6.375% (6.533% APR)
Select this Rate 		You pay $4,903 closing costs $1,872 per month
76 6.375% (6.535% APR)
Select this Rate 		You pay $4,971 closing costs $1,872 per month
77 6.25% (6.41% APR)
Select this Rate 		You pay $5,002 closing costs $1,847 per month
78 6.5% (6.664% APR)
Select this Rate 		You pay $5,049 closing costs $1,896 per month
79 6.375% (6.538% APR)
Select this Rate 		You pay $5,071 closing costs $1,872 per month
80 6.25% (6.414% APR)
Select this Rate 		You pay $5,125 closing costs $1,847 per month
81 6.375% (6.545% APR)
Select this Rate 		You pay $5,269 closing costs $1,872 per month
82 6.375% (6.547% APR)
Select this Rate 		You pay $5,324 closing costs $1,872 per month
83 6.25% (6.42% APR)
Select this Rate 		You pay $5,326 closing costs $1,847 per month
84 6.25% (6.426% APR)
Select this Rate 		You pay $5,500 closing costs $1,847 per month
85 6.375% (6.562% APR)
Select this Rate 		You pay $5,785 closing costs $1,872 per month
86 6.25% (6.437% APR)
Select this Rate 		You pay $5,848 closing costs $1,847 per month
87 6.25% (6.439% APR)
Select this Rate 		You pay $5,893 closing costs $1,847 per month
88 6.25% (6.442% APR)
Select this Rate 		You pay $5,991 closing costs $1,847 per month
89 6.25% (6.457% APR)
Select this Rate 		You pay $6,462 closing costs $1,847 per month
90 6.25% (6.458% APR)
Select this Rate 		You pay $6,472 closing costs $1,847 per month
91 6.375% (6.585% APR)
Select this Rate 		You pay $6,507 closing costs $1,872 per month
92 6.25% (6.465% APR)
Select this Rate 		You pay $6,706 closing costs $1,847 per month
93 6.25% (6.468% APR)
Select this Rate 		You pay $6,790 closing costs $1,847 per month
94 6.25% (6.48% APR)
Select this Rate 		You pay $7,144 closing costs $1,847 per month
95 6.25% (6.497% APR)
Select this Rate 		You pay $7,660 closing costs $1,847 per month
96 6.125% (6.386% APR)
Select this Rate 		You pay $8,151 closing costs $1,823 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 04/02/25 16:52 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.