Virginia Mortgage Rates & Home Loans
Freedomstar Financial offers competitive Virginia mortgage rates on conventional, FHA, VA, and jumbo home loans, licensed in Virginia (License #MLO-44472VA). The 2026 baseline conforming loan limit in Virginia is $832,750, with high-balance and jumbo financing available for higher loan amounts.
Virginia has one of the highest concentrations of veterans and active-duty service members in the country, especially around Hampton Roads. VA loan fluency and fast closings matter here.
Today's Virginia Mortgage Rates
Live best-execution rates from our lender network — as of July 21, 2026 at 11:15 AM PDT.
VA 30-Yr Fixed
5.625%
APR 5.741%
Conventional 30-Yr Fixed
6.000%
APR 6.101%
High-Balance 30-Yr Fixed
6.125%
APR 6.193%
FHA 30-Yr Fixed
5.490%
APR 5.602%
Rates subject to change. See Rate Assumptions.
Virginia Home Loan Facts
Median Home Price
~$400,000
Curated statewide estimate.
2026 Conforming Limit
$832,750
Baseline one-unit limit.
2026 FHA Floor
$541,287
Higher in high-cost counties.
Property Taxes
Virginia property tax is assessed and collected locally, so effective rates vary by city and county. Some localities offer relief for disabled veterans and seniors.
Loan Limits & Market
Most Virginia counties use the baseline conforming limit of $832,750, while the high-cost Northern Virginia counties near Washington, D.C. carry a higher limit of up to $1,249,125.
Market facts last updated July 21, 2026.
First-Time Buyer Programs in Virginia
Virginia Housing Down Payment Assistance
Grant toward down payment for eligible first-time buyers.
Virginia Housing Loan Combo
Affordable first mortgage paired with down payment and closing-cost assistance.
Program availability and terms are set by the administering agency and subject to change. Contact us to confirm current eligibility.
Licensed to Lend in Virginia
Your Virginia loans are handled by Ivan Hendren, NMLS #152318. Freedomstar Financial holds an active Virginia mortgage license (#MLO-44472VA). See our full licensing & disclosures for details.
Meet Ivan HendrenVirginia Mortgage FAQ
What is the conforming loan limit in Virginia for 2026?
The 2026 baseline conforming loan limit in Virginia is $832,750. High-cost Northern Virginia counties near Washington, D.C. carry a higher limit of up to $1,249,125.
Is Virginia a good state for VA loans?
Yes. With major installations across Hampton Roads and Northern Virginia, VA loans are widely used. Eligible borrowers get no down payment, no PMI, and competitive rates.
Is Freedomstar Financial licensed in Virginia?
Yes. Freedomstar Financial is licensed to originate residential mortgages in Virginia. Current license numbers are listed on this page and on our licensing page.
Markets We Serve in Virginia
Virginia Beach
Median ~$375,000
Hampton Roads market with exceptionally strong VA loan demand.
Virginia Beach mortgage detailsRichmond
Median ~$360,000
Capital-region market with steady conventional and FHA activity.
Richmond mortgage detailsNorthern Virginia
Median ~$700,000
High-cost D.C.-adjacent market where high-balance loans are common.
Northern Virginia mortgage detailsReady to get started in Virginia?
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