{"publisher":"RateVerdict","state":"Virginia","page":"https://rateverdict.com/mortgage-rates/virginia","methodology":"https://rateverdict.com/methodology","license":"https://rateverdict.com/terms","scenario":"$400,000 30-year fixed refinance with 780 or higher credit, Virginia property","notice":"Priced for one named scenario from live lender rate sheets. Not a rate lock or an offer to lend.","payments":"Monthly payments shown are principal and interest only, for 360 monthly payments on a $400,000 loan at the rate shown. They do not include taxes, homeowners insurance or mortgage insurance, so the actual monthly payment will be greater.","pricedOn":"2026-11-04","pricedAt":"2026-11-04T17:41:00.483+00:00","rows":[{"rate":6,"apr":6.376,"points":3.601,"pointsDollars":14404,"monthlyPI":2398},{"rate":6.125,"apr":6.444,"points":2.994,"pointsDollars":11976,"monthlyPI":2430},{"rate":6.25,"apr":6.527,"points":2.548,"pointsDollars":10192,"monthlyPI":2463},{"rate":6.375,"apr":6.569,"points":1.689,"pointsDollars":6756,"monthlyPI":2495},{"rate":6.5,"apr":6.581,"points":0.611,"pointsDollars":2444,"monthlyPI":2526},{"rate":6.625,"apr":6.657,"points":-0.109,"pointsDollars":-436,"monthlyPI":2561},{"rate":6.75,"apr":6.784,"points":-0.26,"pointsDollars":-1040,"monthlyPI":2594},{"rate":6.875,"apr":6.902,"points":-0.986,"pointsDollars":-3944,"monthlyPI":2628},{"rate":7,"apr":7.03,"points":-1.227,"pointsDollars":-4908,"monthlyPI":2661},{"rate":7.125,"apr":7.152,"points":-2.04,"pointsDollars":-8160,"monthlyPI":2695},{"rate":7.375,"apr":7.407,"points":-2.429,"pointsDollars":-9716,"monthlyPI":2763},{"rate":7.5,"apr":7.518,"points":-2.848,"pointsDollars":-11392,"monthlyPI":2794}]}