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We Know Mortgages.

Welcome to SEB Mortgage! We are your Virginia and Florida commercial and home mortgage loan officers dedicated to making sure your purchase or refinance experience is top-notch.

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Real Customer Experiences

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Current

Virginia

Mortgage Rates

FHA Loans

Purchase - 30 Year Fixed

Rate7.13%

1W Change 0.63%

APR7.88%

1W Change 0.64%

Refinance - 30 Year Fixed

Rate5.42%

1W Change 0.00%

APR6.15%

1W Change 0.00%
Last Updated: 10/6/2026

Conventional Loans

Purchase - 30 Year Fixed

Rate7.67%

1W Change 0.10%

APR7.67%

1W Change 0.09%

Refinance - 30 Year Fixed

Rate7.70%

1W Change 0.07%

APR7.71%

1W Change 0.07%
Last Updated: 10/6/2026

VA Loans

Purchase - 30 Year Fixed

Rate6.80%

1W Change 0.04%

APR7.16%

1W Change 0.03%

Refinance - 30 Year Fixed

Rate6.77%

1W Change 0.06%

APR7.12%

1W Change 0.05%
Last Updated: 10/6/2026

All mortgage rates displayed are provided by Zillow based on borrowers with credit scores between 680-740 and represent averages and trends. Please consult with SEB Mortgage LLC to receive a personalized rate for your specific situation.

  • I've used SEB Mortgage twice now for my mortgage needs and each experience has been outstanding! NNeka - October 26, 2025
  • Regie was very professional, attentive, dedicated and committed throughout this entire loan process. Melody Harris - March 5, 2024
  • Regie says what he means and means what he says. His primary goal is to make sure you are more than satisfied! Perry Neal - March 5, 2024
  • The SEB Mortgage team did a phenomenal job with getting a mortgage loan for the purchase of my home. After several attempts from big banks and other companies SEB helped me fulfill my dream of home ownership. I will recommend them to anyone who needs a mortgage loan. JD Wilson - March 5, 2024
  • My experience with Regie Ford exceeded my expectations. He is extremely knowledgeable and made me feel like I was his only client. He was responsive each time I contacted him kept me updated throughout my mortgage process. Regie made my difficult financing seem easy. I highly recommend him. Tracey Matthews - March 5, 2024
  • Working with Regie was a great experience. He made the process of becoming a first time home owner feel like a breeze. All of my questions and concerns were always answered in a very timely manner. I highly recommend working with him to start your journey!! NNeka Simmons - March 5, 2024

Mortgage Calculators

Conventional mortgages are ideal for buyers with good credit and money to put down. They typically require a higher down payment, usually 5%–20% and also have higher income and credit score requirements than government loans. Typical fixed-rate loans have a term of 30 or 15 years.

$

5%

1%

5%

0%

$
$

$1421

Monthly Payment

Principal & Interest $1421

Monthly Taxes $1421

Monthly HOA $1421

Monthly Insurance $1421

Monthly PMI $0

*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice.

FHA loans are designed to benefit first-time homebuyers and buyers with less than perfect credit and not a lot of money to put down. FHA loan limits vary by county. View the FHA loan limits in your area.

$

5%

1%

5%

$
$

$1421

Monthly FHA Payment

Principal & Interest $1421

Monthly Taxes $1421

Monthly HOA $1421

Monthly Insurance $1421

Up-Front MIP (1.75%)$0

Monthly Mortgage Insurance $0

*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice.

If you are a veteran or a current member of the U.S. military, you can apply for a VA Loan, which currently offers up to 100% home financing. Thank you for your service!

$

0%

4.5%

1%

$
$

$1421

Monthly VA Payment

Principal & Interest $1421

Monthly Taxes $1421

Monthly HOA $1421

Monthly Insurance $1421

Purchase Price $1421

VA Funding Fee $1421

Amount Financed $1421

*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice.

Curious about refinancing your home in Virginia? Now may be the right time to start saving money every month!

$
%
months
$
%
months
$

Refinancing could save you

$/month

New monthly payment $

Refinance fees $

Lifetime Savings $

*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice.

Not sure how much of a home you can afford? Enter your personalized information below to get a good ballpark figure of the type of home you can afford today!

$
$
$
$
$
%

You can afford up to

$

Monthly Payment $

Principal & Interest $

Tax $

Insurance $

*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice.
Conventional Mortgages in Virginia: Rates, Requirements, Calculator & More Virginia October 6, 2026

Conventional Mortgages in Virginia: Rates, Requirements, Calculator & More

Buying a home is a major financial decision, and choosing the right mortgage can make a significant difference in your monthly payment and long-term costs. For many Virginia homebuyers, conventional mortgages in Virginia are a popular choice because they offer flexible terms and can work well for borrowers with strong credit and stable finances. Whether…

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Jumbo Mortgages in Virginia: VA Jumbo Loan Limits, Requirements, Rates, and 2026 Guide Virginia October 5, 2026

Jumbo Mortgages in Virginia: VA Jumbo Loan Limits, Requirements, Rates, and 2026 Guide

Buying a high-value home in Virginia can require more financing than a standard conforming mortgage allows. For eligible veterans, active-duty service members, and certain surviving spouses, a VA jumbo mortgage may provide a way to finance a higher-priced home while using VA home loan benefits. However, VA jumbo mortgages work differently from conventional jumbo loans.…

Read Post
You May Have Two Credit Scores That Matter for Your Mortgage Virginia October 2, 2026

You May Have Two Credit Scores That Matter for Your Mortgage

For years, shopping for a home loan meant asking one question about credit: what is my score? That still matters. But after a September change at Fannie Mae and Freddie Mac, many conventional borrowers now face a second question that can change what the loan costs. On September 9, 2026, Fannie Mae and Freddie Mac…

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(877) 398-6111 3002 Hull Street
Richmond, Virginia 23224 NMLS# 2228988
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