Notice: We are not currently offering home equity products in Virginia.View states where we are licensed.

Virginia Home Equity Loans & HELOCs

Commonwealth lending from the Blue Ridge to the Chesapeake

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Licensed in Virginia • Northern VA & Hampton Roads Specialists • Military-Friendly

Current Virginia Home Equity Rates

Updated daily rates from licensed Virginia lenders

HELOC Rates in Virginia

Variable Rate Range:6.50% - 17.75%
Prime Rate + Margin:8.50% + 0.00% - 2.25%
Credit Score 740+:Starting at 6.50%
Northern VA Metro:Competitive rates available
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Home Equity Loan Rates in VA

Fixed Rate Range:7.00% - 12.74%
15-Year Term:7.00% - 12.24%
20-Year Term:7.25% - 12.74%
30-Year Term:7.50% - 12.99%
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Rates shown are for qualified Virginia borrowers and subject to change. Military members may qualify for special programs.

Virginia Home Equity Market

Market insights for Virginia homeowners

$425K
Median Home Value
Virginia statewide
$127K
Average Available Equity
For homeowners with 20%+ equity
68%
Homeownership Rate
Above national average (65%)
8.2%
Annual Appreciation
5-year average home value growth

Virginia Home Equity Market Features

Popular Uses in Virginia:

  • •Home renovations and additions
  • •Military PCS move expenses
  • •Investment property down payments
  • •Education funding
  • •Debt consolidation

Virginia Advantages:

  • •Strong government and defense economy
  • •High median household incomes
  • •Growing tech corridor (Northern VA)
  • •Military-friendly lending programs
  • •Diverse metropolitan areas

Virginia Home Equity Regulations

Virginia Consumer Protections

Virginia Consumer Protection Act

Virginia's Consumer Protection Act provides broad protections against unfair or deceptive practices in consumer transactions, including home equity lending.

This act empowers the Attorney General to investigate and prosecute violations of consumer protection laws.

High-Cost Home Loan Protections

Virginia has specific protections against high-cost home loans, including restrictions on certain loan terms and required counseling for high-cost loans.

These protections help prevent borrowers from being trapped in unaffordable loan terms.

Homestead Exemption

Virginia provides a modest homestead exemption of $5,000 plus $500 per dependent that protects home equity from creditors.

While smaller than some states, this exemption provides basic protection and doesn't affect voluntary liens.

Mortgage Lender Licensing

Virginia requires licensing and regulation of mortgage lenders and brokers, ensuring they meet professional standards and follow consumer protection laws.

Licensed lenders must maintain proper bonding and follow strict guidelines for lending practices.

Military Protections

Virginia provides additional protections for military service members, including enhanced rights under the Servicemembers Civil Relief Act.

Military members may be eligible for special loan programs and interest rate protections during deployment.

Serving Virginia Communities

Licensed home equity lenders serving homeowners throughout the Commonwealth

Northern Virginia

Alexandria
Arlington
Fairfax
Reston
Tysons
Herndon

Hampton Roads

Virginia Beach
Norfolk
Chesapeake
Newport News
Hampton
Portsmouth

Central Virginia

Richmond
Henrico
Chesterfield
Charlottesville
Lynchburg
Petersburg
Roanoke
Suffolk
Leesburg
Danville
Manassas
Fredericksburg
Blacksburg
Woodbridge
Harrisonburg
Winchester
Staunton
Waynesboro
Colonial Heights
Hopewell
Bristol
Martinsville
Radford
Front Royal

Virginia Home Equity FAQ

Common questions about home equity loans and HELOCs in Virginia

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Commonwealth rates for Northern VA, Hampton Roads, and beyond

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