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Richmond, VA · Rates for Nov 3, 2026

Richmond refinance rates with ZERO Closing Costs

  • ZERO Closing Costs
  • Free quote. No credit check.
  • Local experts, family-owned since 1997
  • ZERO Closing Costs
  • 4.8 Google
  • 5.0 Zillow
  • NMLS #67717
7.125%30-year fixed refinance · 7.125% APR

15-year fixed refinance: 6.875% (6.875% APR).

Monthly principal & interest
$2,021
Lender fees
$2,540 ZERO
Apply NowSee my savings

Rates as of Nov 3, 2026, 5:12 PM ET for a $500,000 home, $300,000 balance, 780+ credit, primary home. Restrictions apply. Example: the payment applies that rate to your numbers, principal and interest only. Your rate may differ.

Lender fees you won’t pay

$2,540
typical lender and title fees, paid or waived by CapCenter
  • Origination fee$1,300ZERO
  • Appraisal$500ZERO
  • Settlement & title services$580ZERO
  • Credit, data & flood$160ZERO

Typical fees on a CapCenter refinance quote, before lender’s title insurance, which varies by loan amount.

“Refinanced our house through CapCenter and it was the easiest, most pain-free mortgage experience I’ve ever had. […]”
Chris C.Refinanced · Richmond, VA · Google review, excerpt

Family-owned since 1997

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Today’s refinance rates in Richmond

LoanRateAPR
Conventional 30-yr7.125%7.125%
Conventional 15-yr6.875%6.875%
Veteran 30-yr6.875%6.924%
FHA 30-yr6.750%7.279%
See rates

Today’s ZERO Closing Cost Refinance Rates in Richmond, VA

Richmond, VA · Updated Nov 3

$300K bal. · Richmond$500,000 home · $300,000 balance · Richmond, VA · 780+ · Primary

Tap any rate to see your full quote.Click any rate to see your full quote.

Conventional

Conventional 30-yr fixed rates

No points
RatePointsAPRClosingClosing costs
7.125%7.125% APR0.0007.125%ZERO7.000%7.037% APR0.3757.037%ZERO6.875%6.962% APR0.8756.962%ZERO6.750%6.886% APR1.3756.886%ZERO6.625%6.822% APR2.0006.822%ZERO

Conventional 15-yr fixed rates

No points
RatePointsAPRClosingClosing costs
6.875%6.875% APR0.0006.875%ZERO6.500%6.580% APR0.5006.580%ZERO6.375%6.494% APR0.7506.494%ZERO6.250%6.449% APR1.2506.449%ZERO6.000%6.317% APR2.0006.317%ZERO

Veteran

Veteran Affairs (VA) loans are only available to US armed forces, veterans, and surviving spouses. Select FHA or Conventional if you are not eligible for a VA Loan.

Veteran 30-yr fixed rates

No points
RatePointsAPRClosingClosing costs
6.875%6.924% APR0.0006.924%ZERO6.625%6.710% APR0.3756.710%ZERO6.375%6.532% APR1.1256.532%ZERO6.250%6.467% APR1.7506.467%ZERO

Veteran 15-yr fixed rates

Fewest points
RatePointsAPRClosingClosing costs
6.500%6.720% APR0.8756.720%ZERO6.125%6.362% APR1.0006.362%ZERO6.000%6.256% APR1.1256.256%ZERO5.875%6.191% APR1.5006.191%ZERO5.750%6.124% APR1.8756.124%ZERO

FHA

FHA 30-yr fixed rates

No points
RatePointsAPRClosingClosing costs
6.750%7.279% APR0.0007.279%ZERO6.500%7.076% APR0.5007.076%ZERO6.375%7.000% APR1.0007.000%ZERO6.250%6.937% APR1.6256.937%ZERO6.125%6.860% APR2.1256.860%ZERO

FHA 15-yr fixed rates

Fewest points
RatePointsAPRClosingClosing costs
6.500%7.019% APR0.6257.019%ZERO6.125%6.660% APR0.7506.660%ZERO6.000%6.575% APR1.0006.575%ZERO5.875%6.551% APR1.6256.551%ZERO5.625%6.338% APR1.8756.338%ZERO
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2026 loan limits

The 2026 conforming loan limit in Richmond, VA is $832,750 for a one-unit home. The 2026 FHA loan limit in Richmond, VA is $707,250 for a one-unit home.

Richmond is an independent city, so it has its own county-level limits.

2026 loan limits in Richmond, VA, by number of units
UnitsConformingFHA
1 unit$832,750$707,250
2 units$1,066,250$905,400
3 units$1,288,800$1,094,450
4 units$1,601,750$1,360,100

2026 limits for Richmond, VA. Sources: FHFA 2026 conforming loan limits and HUD 2026 FHA mortgage limits.

In Richmond

In this area

Equal Housing Opportunity · REALTOR®Restrictions apply. See CapCenter.com for details. NMLS ID #67717, nmlsconsumeraccess.org. Rates are estimates and subject to change without notice.

How it works

  1. See my savings

    Free. No credit check.

  2. Apply and lock

    Your loan consultant locks your rate.

  3. Close with ZERO

    We pay or waive the lender fees.

Richmond facts

2026 conforming limit
$832,750one-unit home
2026 FHA limit
$707,250one-unit home
Richmond-area office
4461 Cox Road, Glen Allen
804-968-5000

Richmond is an independent city with its own limits. FHFA and HUD 2026 files.

Questions

What are refinance rates in Richmond today?

On Nov 3, 2026: 7.125% (7.125% APR) for a 30-year fixed refinance. ZERO Closing Costs.

Can I refinance with ZERO Closing Costs?

Yes, on loans over $100,000. See Offer details.

What do I still pay?

Escrow deposits, prepaid interest, and any mortgage insurance premium or VA Funding Fee that applies.

How do I lock my rate?

Apply first. Your loan consultant locks it with you. Standard locks last 30 days.

Nearby for Richmond
Rates nearby
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Refinance
Richmond refinance rates
Loan limits
Richmond loan limitsHenrico County loan limitsChesterfield County loan limitsHanover County loan limits
Lender
Mortgage lender in the Richmond area
Veteran (VA) loans
Veteran (VA) loans in the Richmond area
Up
Richmond areaVirginia mortgage ratesAll mortgage rate locations
Restrictions apply. See CapCenter.com for details. NMLS ID #67717, nmlsconsumeraccess.org. Equal Housing Lender. Rates are estimates and subject to change without notice.
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