Virginia Mortgage Lenders and Rates (VA)

In Virginia, finding the right mortgage can save you thousands of dollars. was created for that purpose. If you are looking for Lenders, Mortgage Rates, or Mortgage Brokers – we’ve have them. When you fill out our mortgage quote form, you’ll get offers from 2-4 different lenders that will compete to save you money.

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Featured Mortgage Lenders in Virginia

Virginia Mortgage Quick Facts

Virginia State Population: 7,7078,515*
Median Virginia Home Price: $125,400*
Total Virginia Housing Units:
House Ownership Rate in Virginia
: 68.1%*

Types of Mortgage Loans Available in Virginia

How Your Credit Score Affects Your Mortgage Rate

First off, you need to know what your current credit score is . You should compare that against the average Virginia consumer credit score of 690, and the national average credit score of 677. Your credit score impacts what your home mortgage rate will be. Historically home mortgage rates have varied from 5% to over 13%. Lenders create their home mortgage rates by using the Federal Discount Interest Rate and then increase it by using an internal formula to create their own home mortgage rate. When you apply for a home mortgage, your home mortgage rate will be determined by a whole host of factors, including your credit score.

Virginia Mortgage State Laws:


Virginia practices non-judicial foreclosure.

Mortgage and Lender Broker Act

This Act went into effect July 2003. It is the most recent amendment regarding predatory lending. Other attempts at such action have been made since 2001, and have been continually amended. Prohibits “flipping,” etc. to protect borrowers.

VA Mortgage Fraud Office
White Collar Crime Supervisor
150 Corporate Blvd
Norfolk, VA 23502-4999
Phone: (757) 455-0100

Virginia Counties:

Accomack County, Albemarle County, Alleghany County, Amelia County, Amherst County, Appomattox County, Arlington County, Augusta County, Bath County, Bedford County, Bland County, Botetourt County, Brunswick County, Buchanan County, Buckingham County, Campbell County, Caroline County, Carroll County, Charles City County, Charlotte County, Chesterfield County, Clarke County, Craig County, Culpeper County, Cumberland County, Dickenson County, Dinwiddie County, Essex County, Fairfax County, Fauquier County, Floyd County, Fluvanna County, Franklin County, Frederick County, Giles County, Gloucester County, Goochland County, Grayson County, Greene County, Greensville County, Halifax County, Hanover County, Henrico County, Henry County, Highland County, Isle of Wight County, James City County, King and Queen County, King George County, King William County, Lancaster County, Lee County, Loudoun County, Louisa County, Lunenburg County, Madison County, Mathews County, Mecklenburg County, Middlesex County, Montgomery County, Nelson County, New Kent County, Northampton County, Northumerland County, Nottoway County, Orange County, Page County, Patrick County, Pittsylvania County, Powhatan County, Prince Edward County, Prince George County, Prince William County, Pulaski County, Rappahannock County, Richmond County, Roanoke County, Rockbridge County, Rockingham County, Russell County, Scott County, Shenendoah County, Smyth County, Southampton County, Spotsylvania County, Stafford County, Surry County, Sussex County, Tazewell County, Warren County, Washington County, Westmoreland County, Wise County, Wythe County, York County, Alexandria City, Bedford City, Bristol City, Buena Vista City, Charlottesville City, Chesapeake City, Clifton Forge City, Colonial Heights City, Covington City, Danville City, Emporia City, Fairfax City, Falls Church City, Franklin City, Fredericksburg City, Galax City, Hampton City, Harrisonburg City, Hopewell City, Lexington City, Lynchburg City, Manassas City, Manassas Park City, Martinsville City, Newport News City, Norfolk City, Norton City, Petersburg City, Poquoson City, Portsmouth City, Radford City, Richmond City, Roanoke City, Salem City, Staunton City, Virginia Beach City, Waynesboro City, Williamsburg City, Winchester City

-US Census


This site is not a broker and does not collect or solicit mortgage applications. Content is for informational or comparison purposes only. Services are not available in New York. Products and services may not be available in all other states.

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