Virginia mortgage rates November 12, 2026: same rate, new price
On November 12, 2026 at 12:40 PM ET, RateVerdict priced a $400,000 30-year fixed Virginia refinance with 780+ credit and the rate closest to $0 at closing was 6.750% (6.791% APR, $500 in points), the same rate as on November 11, when it came with $640 in points and a 6.797% APR (source: RateVerdict Virginia rate table and history).
The short answer for November 12, 2026
RateVerdict priced one Virginia loan at 12:40 PM ET on Thursday, November 12, 2026: a $400,000 30-year fixed refinance with a credit score of 780 or higher, priced against dozens of lenders (source: RateVerdict Virginia rate table, as of November 12, 2026, 12:40 PM ET).
The rate closest to $0 at closing was 6.750%, with a 6.791% APR and $500 in points. The top of the table was 6.500%, with a 6.652% APR and $5,108 in points (same source and time).
The same rate, a different price
Virginia was the only one of the ten states RateVerdict priced where the rate closest to $0 at closing was the same on Thursday as on Wednesday. It was 6.750% both days (source: RateVerdict state rate history pages, November 11 and 12, 2026).
The price still moved. On Wednesday, November 11, 6.750% came with $640 in points and a 6.797% APR. On Thursday it came with $500 in points and a 6.791% APR (source: RateVerdict Virginia rate history, weekday midday snapshots).
A quote that matches yesterday's rate is not always yesterday's price. Check the points or credit in dollars too.
| Day priced | Rate closest to $0 | APR | Cost or credit at closing | Top of the table |
|---|---|---|---|---|
| Thu, Nov 12 | 6.750% | 6.791% | $500 cost | 6.500% (6.652% APR, $5,108 cost) |
| Wed, Nov 11 | 6.750% | 6.797% | $640 cost | 6.000% (6.453% APR, $17,456 cost) |
Other things to know about the Virginia table
- Thursday's Virginia table started at 6.500% (6.652% APR, $5,108 in points), a higher first row than any of the other nine states that day (source: RateVerdict state rate tables, November 12, 2026).
- The Virginia history page has no snapshot for November 5 or November 6, 2026. RateVerdict shows no figure for a day without a current snapshot rather than filling it in.
Thursday's full Virginia table
Every rate RateVerdict kept for the sample loan, each with its APR and its cost or credit at closing.
Today's Virginia table shows every rate with its APR and its cost or credit in dollars, no sign-up needed.
See today's Virginia rates| Rate | APR | Points | Cost or credit at closing |
|---|---|---|---|
| 6.500% | 6.652% | 1.277 | $5,108 cost |
| 6.625% | 6.690% | 0.375 | $1,500 cost |
| 6.750% | 6.791% | 0.125 | $500 cost |
| 6.875% | 6.899% | -0.322 | $1,288 credit |
| 7.000% | 7.024% | -0.808 | $3,232 credit |
| 7.125% | 7.152% | -1.247 | $4,988 credit |
| 7.250% | 7.274% | -1.664 | $6,656 credit |
| 7.375% | 7.399% | -2.093 | $8,372 credit |
| 7.500% | 7.524% | -2.461 | $9,844 credit |
| 7.625% | 7.649% | -2.847 | $11,388 credit |
| 7.875% | 7.904% | -3.181 | $12,724 credit |
| 8.000% | 8.019% | -3.500 | $14,000 credit |
A Virginia rule worth knowing
Virginia's state recordation tax on a deed of trust is 25 cents for each $100 of the debt, and a refinance of debt that already paid it is taxed at 18 cents for each $100 on the first $10 million. At 18 cents for each $100, that is $720 on a $400,000 refinance that qualifies (source: Va. Code section 58.1-803(A) and (E)). That tax is separate from the points in the table.
See today's rate for your scenario
This post is one sample loan on one day. The Virginia rate table on this site shows the current weekday table, and the Virginia rate history page keeps past weekday snapshots. To compare states, see mortgage rates by state. To price your own balance, home value and credit range, use the rate tool on this site, with every rate shown beside its APR.
Common questions
What was the 30-year fixed refinance rate closest to $0 at closing in Virginia on November 12, 2026?
It was 6.750% with a 6.791% APR and $500 in points for the $400,000 Virginia sample refinance with 780+ credit (source: RateVerdict Virginia rate table, November 12, 2026, 12:40 PM ET).
How did November 12 compare with November 11, 2026 in Virginia?
The rate closest to $0 stayed at 6.750%. Its price went from $640 in points (6.797% APR) to $500 in points (6.791% APR) (source: RateVerdict Virginia rate history).
Why can the same rate cost a different amount from one day to the next?
Lenders reprice their rate sheets, so the points or credit attached to a rate can change even when the rate itself is the same. Compare the dollars at closing, not only the rate.
Why are some days missing from the Virginia rate history?
The history page lists only days with a stored Virginia snapshot. November 5 and 6, 2026 have none, so the page shows no figure for them.
What is Virginia recordation tax on a refinance?
Virginia taxes a deed of trust at 25 cents per $100 of debt, and a refinance of debt that already paid it at 18 cents per $100 on the first $10 million (source: Va. Code section 58.1-803).
See today's Virginia rates
Today's Virginia table shows every rate with its APR and its cost or credit in dollars, no sign-up needed.
Sources
- RateVerdict, Virginia mortgage rates today (weekday midday snapshot)as of November 12, 2026, 12:40 PM ET
- RateVerdict, Virginia mortgage rate historyas of November 11 and November 12, 2026 snapshots
- RateVerdict, mortgage rates by stateas of November 12, 2026
- RateVerdict, rate tool for your own loanas of November 12, 2026
- Va. Code section 58.1-803(A) and (E)as of checked October 2026
This article is educational and is not an offer to lend, a rate lock, or a commitment to lend. Rates and terms depend on a complete application and are subject to credit approval, underwriting, and program guidelines. Any figure shown comes from our pricing engines or a cited source with its as-of date. See how we get our numbers on the methodology page.
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