Virginia Beach, VA Mortgage Rates
Live Mortgage Rates in Virginia Beach, Virginia
6.490%
Virginia Beach Conventional Purchase benchmark (80% LTV, 780 FICO), updated Thursday, November 5, 2026 at 2:13 PM UTC
Sourced live from hundreds of wholesale lenders serving Virginia Beach and Virginia
Virginia Beach Benchmark Rates
Lowest available rate with no discount points paid in Virginia Beach, VA for each standard scenario, sourced live
| Scenario | Rate (no points) | APR |
|---|---|---|
Conventional Conventional Purchase (80% LTV, 780 FICO) · Virginia Beach, VA | 6.490% | 6.529% |
FHA FHA Purchase (96.5% LTV, 680 FICO) · Virginia Beach, VA | 5.990% | 6.025% |
VA VA Purchase (100% LTV, 680 FICO) · Virginia Beach, VA | 5.990% | 6.020% |
2026 Loan Limits in Virginia
Conforming
$832,750 baseline
High-cost Virginia counties go up to $1,249,125 - Virginia Beach may qualify depending on the specific property county.
FHA
$541,287
Standard FHA limit. Select high-cost Virginia counties allow more, up to $1,249,125 - check your specific county.
About Virginia Beach Mortgage Rates
The rates shown above reflect the lowest available wholesale pricing for a Virginia Beach, Virginia homebuyer at the time of the snapshot. Rate Direct pulls pricing from hundreds of lenders serving Virginia and refreshes hourly, so the numbers stay close to what a licensed mortgage broker could actually source for a Virginia Beach property.
Your specific Virginia Beach rate depends on credit score, loan amount, property type (single-family vs multi-unit vs condo), loan-to-value, and loan purpose. A 780 FICO buyer at 80% LTV will price materially better than a 680 FICO buyer at 95% LTV. To see your exact rate across the full Virginia lender network, use the Rate Direct pricer.
Virginia Beach buyers also have access to FHA, VA, and USDA programs with lower down payments and more flexible credit guidelines. For down payment assistance specific to Virginia, see the Virginia DPA guide.
Get your personalized Virginia Beach mortgage rate
The rates above are the market benchmark for Virginia Beach. Your actual rate depends on your scenario.