Virginia Beach Mortgage Rates & Home Loans
Freedomstar Financial offers competitive mortgage rates on conventional, FHA, VA, and jumbo home loans in Virginia Beach, Virginia (License #MLO-44472VA). Virginia Beach uses the 2026 baseline conforming loan limit of $832,750 for a one-unit home, so most purchases are standard conforming or VA loans.
Virginia Beach anchors the Hampton Roads region, home to one of the densest concentrations of military personnel in the country. VA loan expertise and fast closings are essential for buyers here.
Today's Virginia Beach Mortgage Rates
Live best-execution Virginia 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 Beach Home Loan Facts
Median Home Price
~$375,000
Curated Virginia Beach estimate.
2026 Conforming Limit
$832,750
City of Virginia Beach baseline reference.
County
City of Virginia Beach
Loan limits are set at the county level.
Loan Limits & Market
Virginia Beach uses the 2026 baseline conforming loan limit of $832,750 for a one-unit home, so most purchases are standard conforming or VA loans.
With Naval Station Norfolk, Oceana, and other installations nearby, Hampton Roads sees exceptionally high VA loan volume. Affordability relative to Northern Virginia also supports strong first-time buyer demand.
Virginia Beach Highlights
- Baseline conforming limit of $832,750 (2026)
- Among the highest VA loan volumes in the U.S.
- No down payment or PMI for eligible VA borrowers
- More affordable than Northern Virginia
Property Taxes in Virginia
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.
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 Beach, Virginia
Your Virginia Beach 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 Beach Mortgage FAQ
Why are VA loans so common in Virginia Beach?
Hampton Roads hosts Naval Station Norfolk and several other major installations, giving Virginia Beach one of the largest military populations in the country and exceptionally high VA loan use.
What is the conforming loan limit in Virginia Beach for 2026?
Virginia Beach uses the 2026 baseline conforming loan limit of $832,750 for a one-unit home. Amounts above that are financed as jumbo loans.
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