Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Current Partlow, Virginia Mortgage Rates & the Surrounding Area
For homebuyers in Partlow, VA, Langley Federal Credit Union lists a 30 Year Fixed Rate at 4.990%. Current rates from Langley Federal Credit Union include a 30 Year Mortgage at 4.990% (APR 5.165%). Langley Federal Credit Union has a 30 Year Fixed-Rate Mortgage available at 4.990%. Signature Federal Credit Union is offering a 30-year Fixed Rate in Partlow, VA with a rate of 5.250%.
Find the best mortgage and refinance rates in Partlow, VA today. Our real-time rate table below compares offers from top lenders to help you secure the lowest interest rate for your home loan. Use our free mortgage calculators to plan your purchase.
The following rates for informational purposes only, reflect recent market quotes and representative offers available to Virginia borrowers. Actual mortgage rates may vary by lender, credit profile, and market conditions.
Last Updated and Verified: March 8, 2026
Current Mortgage Rates in Partlow, VA and the surrounding area
•30 Year Fixed Rate:
4.990%
•30 Year Mortgage:
4.990%
•30 Year Fixed-Rate Mortgage:
4.990%
•30-year Fixed Rate:
5.250%
•Super Conforming 30 Year Fixed:
5.500%
Rates displayed are for informational purposes only. Actual offers depend on credit score and profile. Verify terms with the lender.
Last Updated and Verified: March 8, 2026
Types of rates available in Partlow, VA include conforming mortgage rates, super conforming rates, jumbo rates, adjustable rates, HELOC rates and home equity loan rates. There are variations of each type of mortgage available in Partlow, VA listed below.
Bank or Credit Union
Product
Rate
APR
Langley Federal Credit Union1055 W Mercury Blvd, Carrollton, VA 23060 5814
30 Year Fixed Rate
4.990%
5.165%
▼
Interest Rate 4.990%
APR 5.165%
Points 0.000
Last Updated 03/08/2026
Loan Details
Langley Federal Credit Union1055 W Mercury Blvd, Carrollton, VA 23060 5814
30 Year Mortgage
4.990%
5.165%
▼
Interest Rate 4.990%
APR 5.165%
Points 0.000
Last Updated 03/08/2026
Loan Details
Langley Federal Credit Union1055 W Mercury Blvd, Carrollton, VA 23060 5814
30 Year Fixed-Rate Mortgage
4.990%
5.165%
▼
Interest Rate 4.990%
APR 5.165%
Points 0.000
Last Updated 03/08/2026
Loan Details
Signature Federal Credit Union12 Herbert St, Alexandria, VA 22305
30-year Fixed Rate
5.250%
5.524%
▼
Interest Rate 5.250%
APR 5.524%
Points 2.000
Last Updated 03/08/2026
Loan Details
State Department Federal Credit Union1630 King St, Alexandria, VA 22201
Super Conforming 30 Year Fixed
5.500%
5.545%
▼
Interest Rate 5.500%
APR 5.545%
Points 0.500
Last Updated 03/08/2026
Loan Details
State Department Federal Credit Union1630 King St, Alexandria, VA 22201
Conforming 30 Year Fixed
5.500%
5.557%
▼
Interest Rate 5.500%
APR 5.557%
Points 0.625
Last Updated 03/08/2026
Loan Details
Signature Federal Credit Union12 Herbert St, Alexandria, VA 22305
30-year Fixed Rate
5.375%
5.604%
▼
Interest Rate 5.375%
APR 5.604%
Points 1.500
Last Updated 03/08/2026
Loan Details
State Department Federal Credit Union1630 King St, Alexandria, VA 22201
Conforming 30 Year Fixed
5.625%
5.625%
▼
Interest Rate 5.625%
APR 5.625%
Points 0.000
Last Updated 03/08/2026
Loan Details
State Department Federal Credit Union1630 King St, Alexandria, VA 22201
Super Conforming 30 Year Fixed
5.625%
5.625%
▼
Interest Rate 5.625%
APR 5.625%
Points 0.000
Last Updated 03/08/2026
Loan Details
Signature Federal Credit Union12 Herbert St, Alexandria, VA 22305
30-year Fixed Rate
5.500%
5.684%
▼
Interest Rate 5.500%
APR 5.684%
Points 1.000
Last Updated 03/08/2026
Loan Details
Wells Fargo10 S Jefferson St, Abingdon, VA 20109
30-Year Fixed-Rate VA
5.500%
5.690%
▼
Interest Rate 5.500%
APR 5.690%
Points 0.000
Last Updated 03/08/2026
Loan Details
Commonwealth One Federal Credit Union170 Bluestone Dr, Alexandria, VA 22302
Made to Match - 30 Year Fixed
5.625%
5.717%
▼
Interest Rate 5.625%
APR 5.717%
Points 0.000
Last Updated 03/08/2026
Loan Details
Important Assumptions
Signature Federal Credit Union12 Herbert St, Alexandria, VA 22305
30-year Fixed Rate
5.625%
5.763%
▼
Interest Rate 5.625%
APR 5.763%
Points 0.500
Last Updated 03/08/2026
Loan Details
Langley Federal Credit Union1055 W Mercury Blvd, Carrollton, VA 23060 5814
30 Year Fixed-Rate Mortgage Refinance
5.750%
5.842%
▼
Interest Rate 5.750%
APR 5.842%
Points 0.000
Last Updated 03/08/2026
Loan Details
Signature Federal Credit Union12 Herbert St, Alexandria, VA 22305
30-year Fixed Rate
5.750%
5.843%
▼
Interest Rate 5.750%
APR 5.843%
Points 0.000
Last Updated 03/08/2026
Loan Details
Transit Employees Federal Credit Union5948 Richmond Hwy, Alexandria, VA 22303 1871
VA 30 Year Fixed
5.630%
5.855%
▼
Interest Rate 5.630%
APR 5.855%
Points 0.000
Last Updated 03/08/2026
Loan Details
Commonwealth One Federal Credit Union170 Bluestone Dr, Alexandria, VA 22302
VA 30 Year Fixed
5.625%
5.855%
▼
Interest Rate 5.625%
APR 5.855%
Points 0.000
Last Updated 03/08/2026
Loan Details
Important Assumptions
Homebase Federal Credit Union13200 Bermuda Orchard Lane, Chester, VA 23801
VA 30 Year Fixed
5.625%
5.855%
▼
Interest Rate 5.625%
APR 5.855%
Points 0.000
Last Updated 03/08/2026
Loan Details
1st Advantage Federal Credit Union1 Fort Eustis, Fort Eustis, VA 23061
30-Year Fixed
5.750%
5.872%
▼
Interest Rate 5.750%
APR 5.872%
Points 0.000
Last Updated 03/08/2026
Loan Details
APR: Annual Percentage Rate. The interest rate is current as of 12/8/2025. Rates and terms based on credit criteria. Credit restrictions apply. The interest rate charged and the annual percentage rate are constant for the life of the loan. Assuming a $200,000 loan amount, a 30-year term, and a 5.872% APR, you would make monthly payments of $1,167.15. Payments are estimates only and only include principal and interest. Minimum/Maximum: The minimum refinance loan amount is $50,000. Interest rates are subject to change and are based on credit score, loan product, loan term, and loan value. Private Mortgage Insurance (PMI) may not be required for purchases of up to 95% LTV.
Virginia Credit Union10 N Nansemond St Ste 6, Charlottesville, VA 22401 4974
30 Year Fixed Rate Mortgage
5.750%
5.885%
▼
Interest Rate 5.750%
APR 5.885%
Points 0.791
Last Updated 03/08/2026
Loan Details
State Department Federal Credit Union1630 King St, Alexandria, VA 22201
Jumbo 30 Year Fixed
5.875%
5.898%
▼
Interest Rate 5.875%
APR 5.898%
Points 0.250
Last Updated 03/08/2026
Loan Details
Virginia Credit Union10 N Nansemond St Ste 6, Charlottesville, VA 22401 4974
30 Year Fixed Rate
5.750%
5.911%
▼
Interest Rate 5.750%
APR 5.911%
Points 1.275
Last Updated 03/08/2026
Loan Details
Virginia Credit Union10 N Nansemond St Ste 6, Charlottesville, VA 22401 4974
30 Year Fixed Rate Mortgage
5.875%
5.936%
▼
Interest Rate 5.875%
APR 5.936%
Points -0.002
Last Updated 03/08/2026
Loan Details
Signal Financial Federal Credit Union44747 Brimfield Dr, Ashburn, VA 20147 5920
30-year fixed
5.875%
5.998%
▼
Interest Rate 5.875%
APR 5.998%
Points 0.000
Last Updated 03/08/2026
Loan Details
State Department Federal Credit Union1630 King St, Alexandria, VA 22201
Jumbo 30 Year Fixed
6.000%
6.000%
▼
Interest Rate 6.000%
APR 6.000%
Points 0.000
Last Updated 03/08/2026
Loan Details
Eastman Credit Union127 Comfort Drive, Abingdon, VA 24202
30 Year Fixed
5.750%
6.006%
▼
Interest Rate 5.750%
APR 6.006%
Points 0.000
Last Updated 03/08/2026
Loan Details
Baxter Credit Union1 Geico Blvd, Fredericksburg, VA 22412
Jumbo 30 Year Fixed
5.875%
6.008%
▼
Interest Rate 5.875%
APR 6.008%
Points 0.000
Last Updated 03/08/2026
Loan Details
Baxter Credit Union1 Geico Blvd, Fredericksburg, VA 22412
30 Year Fixed
5.875%
6.017%
▼
Interest Rate 5.875%
APR 6.017%
Points 0.000
Last Updated 03/08/2026
Loan Details
Virginia Credit Union10 N Nansemond St Ste 6, Charlottesville, VA 22401 4974
30 Year Fixed Rate
6.000%
6.063%
▼
Interest Rate 6.000%
APR 6.063%
Points 0.204
Last Updated 03/08/2026
Loan Details
Virginia Credit Union10 N Nansemond St Ste 6, Charlottesville, VA 22401 4974
30 Year Fixed Rate
5.875%
6.087%
▼
Interest Rate 5.875%
APR 6.087%
Points 1.656
Last Updated 03/08/2026
Loan Details
Chevron Federal Credit Union12011 Sunset Hills Rd Ste 110, Reston, VA 20190 5919
30-Year Fixed
6.000%
6.090%
▼
Interest Rate 6.000%
APR 6.090%
Points 0.000
Last Updated 03/08/2026
Loan Details
Beacon Credit Union Incorporated107 Leroy Bowen Dr, Bedford, VA 24012 7209
5/1 ARM - 30 Year Fixed Refinance (Cash Out)
4.990%
6.099%
▼
Interest Rate 4.990%
APR 6.099%
Points 1.000
Last Updated 03/08/2026
Loan Details
Beacon Credit Union Incorporated107 Leroy Bowen Dr, Bedford, VA 24012 7209
5/1 ARM - 30 Year Fixed Purchase
4.990%
6.099%
▼
Interest Rate 4.990%
APR 6.099%
Points 1.000
Last Updated 03/08/2026
Loan Details
Beacon Credit Union Incorporated107 Leroy Bowen Dr, Bedford, VA 24012 7209
5/1 ARM - 30 Year Fixed Refinance
4.990%
6.099%
▼
Interest Rate 4.990%
APR 6.099%
Points 1.000
Last Updated 03/08/2026
Loan Details
Virginia Credit Union10 N Nansemond St Ste 6, Charlottesville, VA 22401 4974
30 Year Fixed Rate
6.000%
6.124%
▼
Interest Rate 6.000%
APR 6.124%
Points 0.718
Last Updated 03/08/2026
Loan Details
Hanscom Federal Credit UnionMitre Building 2, Mclean, VA 22102
30-Year Fixed
6.000%
6.184%
▼
Interest Rate 6.000%
APR 6.184%
Points 0.000
Last Updated 03/08/2026
Loan Details
Primary Residence
Together Credit Union243 Mclaws Cir Ste 100, Williamsburg, VA 23185 5673
30-Year Fixed Mortgage
6.000%
6.189%
▼
Interest Rate 6.000%
APR 6.189%
Points 0.000
Last Updated 03/08/2026
Loan Details
Beacon Credit Union Incorporated107 Leroy Bowen Dr, Bedford, VA 24012 7209
7/1 ARM - 30 Year Fixed Purchase
5.625%
6.218%
▼
Interest Rate 5.625%
APR 6.218%
Points 0.750
Last Updated 03/08/2026
Loan Details
Beacon Credit Union Incorporated107 Leroy Bowen Dr, Bedford, VA 24012 7209
7/1 ARM - 30 Year Fixed Refinance
5.625%
6.218%
▼
Interest Rate 5.625%
APR 6.218%
Points 0.750
Last Updated 03/08/2026
Loan Details
Beacon Credit Union Incorporated107 Leroy Bowen Dr, Bedford, VA 24012 7209
7/1 ARM - 30 Year Fixed Refinance (Cash Out)
5.625%
6.218%
▼
Interest Rate 5.625%
APR 6.218%
Points 0.750
Last Updated 03/08/2026
Loan Details
Transit Employees Federal Credit Union5948 Richmond Hwy, Alexandria, VA 22303 1871
FHA 30 Year Fixed
5.630%
6.219%
▼
Interest Rate 5.630%
APR 6.219%
Points 0.000
Last Updated 03/08/2026
Loan Details
Commonwealth One Federal Credit Union170 Bluestone Dr, Alexandria, VA 22302
FHA 30 Year Fixed
5.625%
6.219%
▼
Interest Rate 5.625%
APR 6.219%
Points 0.000
Last Updated 03/08/2026
Loan Details
Important Assumptions
Homebase Federal Credit Union13200 Bermuda Orchard Lane, Chester, VA 23801
FHA 30 Year FIxed
5.625%
6.219%
▼
Interest Rate 5.625%
APR 6.219%
Points 0.000
Last Updated 03/08/2026
Loan Details
Homebase Federal Credit Union13200 Bermuda Orchard Lane, Chester, VA 23801
30 Year Fixed
6.125%
6.220%
▼
Interest Rate 6.125%
APR 6.220%
Points 0.000
Last Updated 03/08/2026
Loan Details
Transit Employees Federal Credit Union5948 Richmond Hwy, Alexandria, VA 22303 1871
30 Year fixed
6.130%
6.220%
▼
Interest Rate 6.130%
APR 6.220%
Points 0.000
Last Updated 03/08/2026
Loan Details
Bronco Federal Credit Union135 Stewart Dr, Franklin, VA 23434
30-Year Fixed
5.750%
6.286%
▼
Interest Rate 5.750%
APR 6.286%
Points 0.000
Last Updated 03/08/2026
Loan Details
Wells Fargo10 S Jefferson St, Abingdon, VA 20109
30-Year Fixed Rate
6.125%
6.288%
▼
Interest Rate 6.125%
APR 6.288%
Points 0.000
Last Updated 03/08/2026
Loan Details
Virginia Credit Union10 N Nansemond St Ste 6, Charlottesville, VA 22401 4974
30 Year Fixed Rate
6.250%
6.305%
▼
Interest Rate 6.250%
APR 6.305%
Points -0.029
Last Updated 03/08/2026
Loan Details
Virginia Credit Union10 N Nansemond St Ste 6, Charlottesville, VA 22401 4974
30 Year Fixed Rate
6.250%
6.353%
▼
Interest Rate 6.250%
APR 6.353%
Points 0.471
Last Updated 03/08/2026
Loan Details
Blue Eagle Credit Union1210 Greenview Dr, Daleville, VA 24012 2226
VA 30 Year Fixed
6.125%
6.362%
▼
Interest Rate 6.125%
APR 6.362%
Points 0.000
Last Updated 03/08/2026
Loan Details
Important Assumptions
Citizens Bank11670a Plaza America Dr, Alexandria, VA 20190
30-Year Fixed Rate
6.250%
6.370%
▼
Interest Rate 6.250%
APR 6.370%
Points 0.000
Last Updated 03/08/2026
Loan Details
Rates shown include 0.125% autopay and paperless discount.
Beacon Credit Union Incorporated107 Leroy Bowen Dr, Bedford, VA 24012 7209
3/1 ARM - 30 Year Fixed Purchase
5.500%
6.412%
▼
Interest Rate 5.500%
APR 6.412%
Points 0.750
Last Updated 03/08/2026
Loan Details
Beacon Credit Union Incorporated107 Leroy Bowen Dr, Bedford, VA 24012 7209
3/1 ARM - 30 Year Fixed Refinance
5.500%
6.412%
▼
Interest Rate 5.500%
APR 6.412%
Points 0.750
Last Updated 03/08/2026
Loan Details
Beacon Credit Union Incorporated107 Leroy Bowen Dr, Bedford, VA 24012 7209
3/1 ARM - 30 Year Fixed Refinance (Cash Out)
5.500%
6.412%
▼
Interest Rate 5.500%
APR 6.412%
Points 0.750
Last Updated 03/08/2026
Loan Details
HSBC Bank USA1600 Wilson Blvd, Arlington, VA 22102
30 Year Fixed Rate
6.375%
6.436%
▼
Interest Rate 6.375%
APR 6.436%
Points 0.000
Last Updated 03/08/2026
Loan Details
Beacon Credit Union Incorporated107 Leroy Bowen Dr, Bedford, VA 24012 7209
30 Year Fixed Purchase
6.250%
6.437%
▼
Interest Rate 6.250%
APR 6.437%
Points 0.750
Last Updated 03/08/2026
Loan Details
Commonwealth One Federal Credit Union170 Bluestone Dr, Alexandria, VA 22302
USDA-RD 30 Year Fixed
5.750%
6.442%
▼
Interest Rate 5.750%
APR 6.442%
Points 0.000
Last Updated 03/08/2026
Loan Details
Important Assumptions
Dominion Energy Credit Union1100 Boulders Pkwy Ste 601, Glen Allen, VA 23060 3308
30 Year Fixed Rate
6.375%
6.492%
▼
Interest Rate 6.375%
APR 6.492%
Points 0.000
Last Updated 03/08/2026
Loan Details
HSBC Bank USA1600 Wilson Blvd, Arlington, VA 22102
30 Year Fixed Rate
6.375%
6.521%
▼
Interest Rate 6.375%
APR 6.521%
Points 0.000
Last Updated 03/08/2026
Loan Details
Choose either a 15 or 30 year term.
Blue Eagle Credit Union1210 Greenview Dr, Daleville, VA 24012 2226
30 Year Fixed
6.375%
6.523%
▼
Interest Rate 6.375%
APR 6.523%
Points 0.000
Last Updated 03/08/2026
Loan Details
Important Assumptions
Beacon Credit Union Incorporated107 Leroy Bowen Dr, Bedford, VA 24012 7209
30 Year Fixed Refinance
6.375%
6.564%
▼
Interest Rate 6.375%
APR 6.564%
Points 0.750
Last Updated 03/08/2026
Loan Details
HSBC Bank USA1600 Wilson Blvd, Arlington, VA 22102
30 Year Fixed Rate
6.538%
6.588%
▼
Interest Rate 6.538%
APR 6.588%
Points 0.000
Last Updated 03/08/2026
Loan Details
Beacon Credit Union Incorporated107 Leroy Bowen Dr, Bedford, VA 24012 7209
30 Year Fixed Refinance (Cash Out)
6.500%
6.691%
▼
Interest Rate 6.500%
APR 6.691%
Points 0.750
Last Updated 03/08/2026
Loan Details
Blue Eagle Credit Union1210 Greenview Dr, Daleville, VA 24012 2226
FHA 30 Year Fixed
6.125%
6.730%
▼
Interest Rate 6.125%
APR 6.730%
Points 0.000
Last Updated 03/08/2026
Loan Details
Important Assumptions
Virginia Credit Union10 N Nansemond St Ste 6, Charlottesville, VA 22401 4974
FHA Plus 30 Year Fixed Rate Second Mortgage
6.625%
6.733%
▼
Interest Rate 6.625%
APR 6.733%
Points 0.375
Last Updated 03/08/2026
Loan Details
Virginia Credit Union10 N Nansemond St Ste 6, Charlottesville, VA 22401 4974
FHA Plus 30 Year Fixed Rate Second Mortgage
6.750%
6.809%
▼
Interest Rate 6.750%
APR 6.809%
Points -0.125
Last Updated 03/08/2026
Loan Details
Eastman Credit Union127 Comfort Drive, Abingdon, VA 24202
Disclaimer: The mortgage rates displayed are for informational purposes only. These estimates are based on specific lending criteria and may differ from the rate you are offered. Your actual rate will depend on your credit history, credit score, loan amount, and down payment. All rates are subject to change without notice. We recommend contacting the specific bank or credit union to confirm their current offers.
Methodology & Data Sources
Direct-Sourced & Verified Mortgage Rate Data:
We aggregate mortgage and refinance rates for Partlow, Virginia directly from the official websites of local lenders, credit unions, and national mortgage originators using a combination of our proprietary rate aggregation technology and a dedicated team of rate updaters. By pulling this data straight from the institutions' own digital properties and manually verifying the APRs daily, we ensure that every 30-year fixed, 15-year fixed, and ARM rate displayed on monitorbankrates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage:
Our systems and team constantly monitor the market to provide a complete picture of available home loan products in Partlow, Virginia. We feature a comprehensive mix of licensed NMLS financial institutions, allowing you to easily compare localized mortgage rates from neighborhood credit unions, competitive refinance offers from mid-sized regional banks, and home purchasing loans from large national originators available to borrowers in VA.
Daily Updates & Time-Stamped Accuracy:
To maintain the highest level of data integrity, our rate updaters verify and update mortgage rates daily. Because mortgage rates and APRs can fluctuate rapidly based on bond markets and economic conditions, every single loan product listed on our platform features its own specific "last updated" date. This gives you absolute transparency into exactly when that specific rate was confirmed.
Disclaimer: Mortgage rates and APRs are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions in Partlow, Virginia and your personal credit profile.
It is always advisable to check with the specific lender's official website for the most current offers, fees, and terms.
Last Updated and Verified: March 8, 2026
Mortgage Loan Options in Partlow, Virginia
Navigating the home loan market in Partlow, Virginia requires a clear understanding of the diverse financing paths available. Whether you are looking for long-term stability or a low down payment, Virginia lenders offer several key products tailored to your specific financial profile and homeownership goals.
Common Financing Paths in Partlow, VA
Choosing the right mortgage can save you thousands of dollars over the life of your loan. Here are the primary options available to residents in the Partlow, Virginia area:
Virginia Fixed-Rate Mortgages: This is the most popular choice for homeowners in Partlow, VA seeking predictability. With a fixed rate, your interest remains locked for the entire term (typically 15 or 30 years), ensuring your monthly principal and interest payments never change regardless of market fluctuations.
Virginia Adjustable-Rate Mortgages (ARMs): ARMs often start with a lower "teaser" rate for an initial period—such as 5, 7, or 10 years—before adjusting based on current market conditions. This can be a savvy choice for Partlow, VA buyers who plan to move or refinance before the first adjustment period begins.
Partlow, VA FHA Loans: Insured by the Federal Housing Administration, these loans are a vital resource for borrowers in Virginia with lower credit scores or limited savings for a down payment. FHA guidelines typically allow for down payments as low as 3.5%.
Partlow, VA VA Loans: Available to veterans, active-duty service members, and eligible surviving spouses, VA loans in Virginia offer highly competitive rates and often require no down payment and no monthly private mortgage insurance (PMI).
Use Our Mortgage Calculators to Plan Your Purchase
Before committing to a property in Partlow, VA, run the numbers to ensure the mortgage fits your budget. Use our free tools to compare scenarios:
Analyze the APR, not just the RateThe interest rate is the cost of borrowing money, but the APR (Annual Percentage Rate) includes points and fees. The APR gives you a more accurate picture of the true cost of the loan.
Calculate the Impact of PointsDiscount points are fees paid upfront to lower your interest rate. Calculate the "break-even" period (cost of points divided by monthly savings) to see if paying points makes sense for how long you plan to stay in the home.
Compare Loan EstimatesDon't just look at advertised rates. Request official Loan Estimates from at least three different lenders in Partlow, Virginia. These documents standardize costs, making it easier to compare apples to apples.
Check Your Credit ScoreYour credit score significantly impacts the rate you are offered. Ensure your credit report is accurate before applying, as a higher score can save you thousands over the life of the loan.
Frequently Asked Questions for Partlow, Virginia
What are the current mortgage rates in Partlow, Virginia? ▼
Below is a list of current mortgage rates available for Partlow, Virginia. We track lenders daily to provide the most up-to-date interest rates, APRs, and point costs.
Lender / Product
Rate
APR
Langley Federal Credit Union
30 Year Fixed Rate
4.990%
5.165%
Langley Federal Credit Union
30 Year Mortgage
4.990%
5.165%
Langley Federal Credit Union
30 Year Fixed-Rate Mortgage
4.990%
5.165%
Signature Federal Credit Union
30-year Fixed Rate
5.250%
5.524%
State Department Federal Credit Union
Super Conforming 30 Year Fixed
5.500%
5.545%
Lender / Product
Rate
APR
State Department Federal Credit Union
Conforming 30 Year Fixed
5.500%
5.557%
Signature Federal Credit Union
30-year Fixed Rate
5.375%
5.604%
State Department Federal Credit Union
Conforming 30 Year Fixed
5.625%
5.625%
State Department Federal Credit Union
Super Conforming 30 Year Fixed
5.625%
5.625%
Signature Federal Credit Union
30-year Fixed Rate
5.500%
5.684%
Rates displayed are for informational purposes only. Actual offers depend on credit score and profile. Verify terms with the lender.
Last Updated and Verified: March 8, 2026
What is a conforming mortgage in Partlow, Virginia? ▼
A conforming mortgage meets the dollar limits set by the Federal Housing Finance Agency (FHFA). These loans can be purchased by Fannie Mae and Freddie Mac, which typically results in lower interest rates compared to jumbo loans.
What is a jumbo loan in Partlow, VA? ▼
A jumbo loan is a mortgage that exceeds the conforming loan limits set by the FHFA. Because these loans cannot be sold to Fannie Mae or Freddie Mac, lenders take on more risk, often resulting in slightly higher interest rates or stricter credit requirements.
What are FHA loans? ▼
FHA loans are mortgages insured by the Federal Housing Administration. They are popular among first-time buyers because they allow for lower credit scores and smaller down payments. FHA rates are often competitive because the government guarantee reduces the lender's risk.
What factors affect mortgage rates in Partlow, Virginia? ▼
Mortgage rates in Partlow, Virginia are influenced by national economic trends, the Federal Reserve's monetary policy, and inflation. On a personal level, your credit score, down payment amount, and debt-to-income ratio will significantly impact the rate you are offered.
Is now a good time to refinance in Partlow, VA? ▼
Refinancing in Partlow, VA can be beneficial if current rates are lower than your existing mortgage rate, or if you want to shorten your loan term. Consider the closing costs and how long you plan to stay in the home to ensure the break-even point makes financial sense.
What is the difference between a fixed-rate and adjustable-rate mortgage? ▼
A fixed-rate mortgage maintains the same interest rate for the entire life of the loan, providing predictable monthly payments. An adjustable-rate mortgage (ARM) has a rate that can change after an initial fixed period, which might result in lower initial payments but carries the risk of rate increases later.
How does my credit score affect my mortgage rate? ▼
Your credit score is a major determinant of your mortgage rate. Borrowers with higher credit scores (typically 760 and above) qualify for the lowest rates, while those with lower scores may pay higher interest rates to offset the lender's risk.
What are mortgage points? ▼
Mortgage points, or discount points, are fees paid directly to the lender at closing in exchange for a reduced interest rate. One point costs 1% of your mortgage amount. Paying points can save you money over the long term if you plan to keep the mortgage for many years.
Are there specific loan programs for first-time buyers in Partlow, VA? ▼
Yes, many lenders in Partlow, VA offer programs for first-time buyers, including FHA loans which require lower down payments and credit scores. Additionally, there may be state-specific grants or down payment assistance programs available in Virginia.
