Virginia mortgage rates November 13, 2026: $500 each side of $0
On November 13, 2026 at 12:41 PM ET, RateVerdict priced a $400,000 30-year fixed Virginia refinance with 780+ credit: 6.750% (6.791% APR) came with $500 in points and 6.875% (6.904% APR) came with $500 in lender credit, the same distance from $0 (source: RateVerdict Virginia rate table).
The short answer for November 13, 2026
RateVerdict priced one Virginia loan at 12:41 PM ET on Friday, November 13, 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 13, 2026, 12:41 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 6.125%, with a 6.508% APR and $14,812 in points (same source and time).
Two rates, the same distance from $0
On Virginia's Friday table, 6.750% came with 0.125 points, a $500 cost, and a 6.791% APR. One step up, 6.875% came with -0.125 points, a $500 credit, and a 6.904% APR (source: RateVerdict Virginia rate table, as of November 13, 2026, 12:41 PM ET).
Both are $500 from zero. The table marks 6.750% (6.791% APR) as the rate closest to $0, the lower of the two.
Choosing between them
- 6.750% (6.791% APR): you bring $500 more to closing for the lower rate.
- 6.875% (6.904% APR): the lender puts $500 toward your closing costs, and you take the higher rate for as long as you keep the loan.
- The longer you expect to keep the loan, the more the lower rate is worth. If you may sell or refinance soon, the credit may matter more.
| Rate | APR | Points | Cost or credit at closing |
|---|---|---|---|
| 6.625% | 6.754% | 1.069 | $4,276 cost |
| 6.750% | 6.791% | 0.125 | $500 cost |
| 6.875% | 6.904% | -0.125 | $500 credit |
| 7.000% | 7.029% | -0.375 | $1,500 credit |
Friday'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 |
|---|---|---|---|
| 6.125% | 6.508% | 3.703 | $14,812 cost |
| 6.250% | 6.572% | 3.061 | $12,244 cost |
| 6.375% | 6.637% | 2.450 | $9,800 cost |
| 6.500% | 6.690% | 1.705 | $6,820 cost |
| 6.625% | 6.754% | 1.069 | $4,276 cost |
| 6.750% | 6.791% | 0.125 | $500 cost |
| 6.875% | 6.904% | -0.125 | $500 credit |
| 7.000% | 7.029% | -0.375 | $1,500 credit |
| 7.125% | 7.149% | -0.821 | $3,284 credit |
| 7.250% | 7.274% | -1.250 | $5,000 credit |
| 7.375% | 7.400% | -1.652 | $6,608 credit |
| 7.500% | 7.524% | -2.042 | $8,168 credit |
A Virginia tax on refinances
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, separate from the points in the table (source: Va. Code section 58.1-803(A) and (E)).
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 13, 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 13, 2026, 12:41 PM ET).
Which Virginia rate came with a lender credit closest to $0 on November 13, 2026?
6.875%, with a 6.904% APR and $500 in lender credit on the $400,000 sample loan (source: RateVerdict Virginia rate table, November 13, 2026, 12:41 PM ET).
If two rates are the same distance from $0, which does RateVerdict mark?
On the November 13, 2026 Virginia table, both were $500 from zero and the table marked 6.750% (6.791% APR), the lower rate, as closest to $0.
Is a $500 credit worth a 0.125% higher rate?
It depends on how long you keep the loan. A credit helps once, at closing. A higher rate costs you every month for as long as you keep the loan.
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 13, 2026, 12:41 PM ET
- RateVerdict, Virginia mortgage rate historyas of November 13, 2026 snapshot
- RateVerdict, mortgage rates by stateas of November 13, 2026
- RateVerdict, rate tool for your own loanas of November 13, 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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