{"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.","days":[{"pricedOn":"2026-11-04","firstRate":6,"firstRateApr":6.376,"firstRatePointsDollars":14404,"nearZeroRate":6.625,"nearZeroApr":6.657,"nearZeroPointsDollars":-436},{"pricedOn":"2026-11-03","firstRate":6.5,"firstRateApr":6.595,"firstRatePointsDollars":2792,"nearZeroRate":6.625,"nearZeroApr":6.671,"nearZeroPointsDollars":576},{"pricedOn":"2026-11-02","firstRate":6,"firstRateApr":6.383,"firstRatePointsDollars":14688,"nearZeroRate":6.625,"nearZeroApr":6.655,"nearZeroPointsDollars":104},{"pricedOn":"2026-10-30","firstRate":6.5,"firstRateApr":6.592,"firstRatePointsDollars":2648,"nearZeroRate":6.625,"nearZeroApr":6.662,"nearZeroPointsDollars":396}]}