Virginia's average APR for a 30-year mortgage is 6.696%, slightly below the national average of 6.701%. The 15-year fixed mortgage rate is 5.888%, and jumbo 30-year mortgages average 6.946%. Refinance rates are similarly trending down, with a 30-year refinance at 6.749%. Rates have generally decreased over the past 90 days. Maintaining good credit and a 20% down payment can help secure better rates.