Get a Lower rate in Washington, DC whether you’re looking to reduce your monthly payment, change your loan term or refinance into a different rate.

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Loan Type	Rate	APR	Points	Monthly Payment
FHA 30-Year Fixed	5.990%	6.746%	2.000	$2,277
VA 30-Year Fixed	5.875%	6.227%	2.250	$2,096
Conventional 15-Year Fixed	5.875%	6.230%	1.875	$2,929
Conventional 30-Year Fixed	6.375%	6.618%	2.125	$2,183
Jumbo 30-Year Fixed	6.250%	6.468%	2.125	$5,849
Jumbo 30-Year Fixed	6.500%	6.696%	1.875	$6,004

Loan Type	Rate	APR	Points	Monthly Payment
FHA 30-Year Refinance	6.125%	6.932%	2.250	$2,308
VA 30-Year Refinance	6.125%	6.401%	2.375	$2,137
Conventional 15-Year Refinance	5.875%	6.344%	2.375	$2,929
Conventional 30-Year Refinance	6.490%	6.792%	2.500	$2,209
Jumbo 30-Year Refinance	6.500%	6.729%	2.125	$6,004
Jumbo 30-Year Refinance	6.250%	6.500%	2.375	$5,849

Loan Type	Rate	APR	Points	Monthly Payment

FHA 30-Year Fixed: Interest rate offered based on $356,125 loan amount with 6.746% APR and $2,277 monthly payment at 70% loan-to-value (LTV) and 2.000 discount points. Payment is Principal and Interest example only. Rate shown is current as of September 1, 2026.

VA 30-Year Fixed: Interest rate offered based on $354,375 loan amount with 6.227% APR and $2,096 monthly payment at 70% loan-to-value (LTV) and 2.250 discount points. Payment is Principal and Interest example only. Rate shown is current as of September 1, 2026.

Conventional 15-Year Fixed: Interest rate offered based on $350,000 loan amount with 6.230% APR and $2,929 monthly payment at 70% loan-to-value (LTV) and 1.875 discount points. Payment is Principal and Interest example only. Rate shown is current as of September 1, 2026.

Conventional 30-Year Fixed: Interest rate offered based on $350,000 loan amount with 6.618% APR and $2,183 monthly payment at 70% loan-to-value (LTV) and 2.125 discount points. Payment is Principal and Interest example only. Rate shown is current as of September 1, 2026.

Jumbo 30-Year Fixed: Interest rate offered based on $950,001 loan amount with 6.468% APR and $5,849 monthly payment at 70% loan-to-value (LTV) and 2.125 discount points. Payment is Principal and Interest example only. Rate shown is current as of September 1, 2026.

Jumbo 30-Year Fixed: Interest rate offered based on $950,001 loan amount with 6.696% APR and $6,004 monthly payment at 70% loan-to-value (LTV) and 1.875 discount points. Payment is Principal and Interest example only. Rate shown is current as of September 1, 2026.

FHA 30-Year Refinance: Interest rate offered based on $356,125 loan amount with 6.932% APR and $2,308 monthly payment at 70% loan-to-value (LTV) and 2.250 discount points. Payment is Principal and Interest example only. Rate shown is current as of September 1, 2026.

VA 30-Year Refinance: Interest rate offered based on $351,750 loan amount with 6.401% APR and $2,137 monthly payment at 70% loan-to-value (LTV) and 2.375 discount points. Payment is Principal and Interest example only. Rate shown is current as of September 1, 2026.

Conventional 15-Year Refinance: Interest rate offered based on $350,000 loan amount with 6.344% APR and $2,929 monthly payment at 70% loan-to-value (LTV) and 2.375 discount points. Payment is Principal and Interest example only. Rate shown is current as of September 1, 2026.

Conventional 30-Year Refinance: Interest rate offered based on $350,000 loan amount with 6.792% APR and $2,209 monthly payment at 70% loan-to-value (LTV) and 2.500 discount points. Payment is Principal and Interest example only. Rate shown is current as of September 1, 2026.

Jumbo 30-Year Refinance: Interest rate offered based on $950,001 loan amount with 6.729% APR and $6,004 monthly payment at 70% loan-to-value (LTV) and 2.125 discount points. Payment is Principal and Interest example only. Rate shown is current as of September 1, 2026.

Jumbo 30-Year Refinance: Interest rate offered based on $950,001 loan amount with 6.500% APR and $5,849 monthly payment at 70% loan-to-value (LTV) and 2.375 discount points. Payment is Principal and Interest example only. Rate shown is current as of September 1, 2026.

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Refinance Rates Trend in DC

Historical rates shown for context only. See full disclosures below and current rates in the table above. View Legal Disclosures

What Affects Mortgage Refinance Rates in Washington, DC

Washington, DC refinance rates reflect national lending conditions along with the details of your replacement mortgage. Your credit profile, loan-to-value, loan structure, property details and occupancy can affect the rate and terms available to you.

A refinance quote can differ from a purchase quote for the same borrower because the purpose and structure of the transaction are different. Compare the proposed new mortgage with the loan you already have, including its rate, term and costs.

The interest rate is the percentage charged for borrowing the principal. The annual percentage rate, or APR, is a broader annualized measure that includes the interest rate plus certain loan costs. APR can provide additional context when two refinance offers have different rates or upfront costs.

If you are buying rather than refinancing, compare Washington, DC mortgage rates.

Types of Refinances Available in Washington, DC

A rate-and-term refinance replaces your existing mortgage without taking cash out of the property. The replacement loan can change the rate, term or both.

A lower interest rate could reduce your monthly principal-and-interest payment, while changing the term can affect both the payment and how long you carry the mortgage. Compare those changes with the costs required to complete the refinance.

How long you expect to keep the new mortgage also affects the calculation. Use the refinance break-even calculator to compare the upfront costs with the expected monthly savings.

FHA and VA Refinance Options in Washington, DC

If your current mortgage is FHA-backed, an FHA streamline refinance uses limited borrower credit documentation and underwriting to refinance an existing FHA-insured mortgage. An FHA simple refinance also replaces an existing FHA mortgage but uses an appraisal and credit-qualifying underwriting. HUD's FHA streamline refinance guidance covers the streamline requirements.

If your current mortgage is VA-backed, a VA Interest Rate Reduction Refinance Loan, or IRRRL, may help lower your monthly mortgage payment or make payments more stable by moving from an adjustable-rate loan to a fixed-rate loan. The VA's IRRRL guidance requires the mortgage being refinanced to already be VA-backed.

Conforming Loan Limits for a Washington, DC Refinance

Washington, DC has one of the highest conforming loan limits in the country. Under FHFA's 2026 conforming loan limits, the limit for a one-unit property in the District is $1,249,125. The national baseline used in most areas of the U.S. is $832,750.

A one-unit refinance above $1,249,125 exceeds the 2026 conforming loan limit in Washington, DC. A mortgage below the limit still has to meet applicable conventional mortgage requirements to qualify as conforming.

Washington, DC Refinance FAQs

When Does Refinancing Make Sense in Washington, DC?

Compare your existing mortgage with the proposed replacement loan, including the interest rate, monthly payment, new loan term and closing costs. The length of time you expect to keep the new mortgage affects whether any monthly savings have enough time to offset the upfront costs.

Is a $1 Million Refinance a Jumbo Loan in Washington, DC?

No, based on loan size alone. A $1 million refinance on a one-unit property is below Washington, DC's $1,249,125 conforming loan limit for 2026. The mortgage must still meet applicable conventional loan requirements to qualify as conforming.

Can I Refinance a VA Loan in Washington, DC?

Yes. If your current mortgage is VA-backed, an IRRRL may be available to refinance it. The existing mortgage must be VA-backed, and VA and lender requirements apply to the new loan.

5.0

Rachelle was very helpful and informative through my transaction. Provided feedback along the way, and worked with us to get to a mortgage payment we could live with. I would highly recommend her.

Andrea B.

Verified Customer

September 12, 2026

5.0

Tyler was great to work with throughout the entire process. He was very responsive, knowledgeable, and always took the time to answer my questions and keep me updated. The whole refinance process was smooth and straightforward. I really appreciate his help and would definitely recommend him. Thank you, Tyler!

Fouad Z.

Verified Customer

August 24, 2026

5.0

Working with Edgard has been exceptional from the very first transaction. He is the kind of loan officer who looks for solutions, not obstacles, and consistently finds ways to make a deal work. I am genuinely grateful for the dedication he brings to my clients and my transactions. He has made deals happen when other lenders could not, and my buyers have been thrilled with the results. Edgard goes far beyond what is typical in this industry. He is hands‑on with… every step of the process—he doesn’t pass tasks off to others, he stays involved and engaged from start to finish. He is honest, patient, and willing to hold a buyer’s hand when needed. Recently, he even took one of my buyers to their own banks to help them gather the required documentation. That level of care is rare. We have closed several transactions together, all successful, and he continues to work diligently all the way through closing. My words may not fully capture how extraordinary he is. He thinks creatively, approaches challenges with an “out‑of‑the‑box” mindset, and is available nights and weekends when the situation calls for it. He truly cares about his clients and the deals he works on, and people feel that immediately. It is not easy in today’s market to find someone like Edgard. I will continue recommending him to my buyers—and to my colleagues’ buyers as well. He is an excellent communicator and even helped keep my nervous sellers calm while representing the buyer. Thank you, Edgard, for your hard‑earned efforts, your care, and your diligence. Respectfully, Laurie Ann von Wald

Laurieann W.

Verified Customer

August 31, 2026

5.0

I had been longing fo a long period of time. I got prequalified and Ashley and her staff made the buying process very enjoyable! I highly recommend Ashley Hidgon and her team!

Ronald W.

Verified Customer

August 8, 2026

5.0

Edgar & his team were awesome and very helpful.

Steven S.

Verified Customer

July 7, 2026

5.0

Every step of the process was clearly explained and quickly handled.

Glenn M.

Verified Customer

September 8, 2026

Andrea B. rated Rachelle Killman 5.0 stars: Rachelle was very helpful and informative through my transaction. Provided feedback along the way, and worked with us to get to a mortgage payment we could live with. I would highly recommend her. Fouad Z. rated Tyler Helm 5.0 stars: Tyler was great to work with throughout the entire process. He was very responsive, knowledgeable, and always took the time to answer my questions and keep me updated. The whole refinance process was smooth and straightforward. I really appreciate his help and would definitely recommend him. Thank you, Tyler! Laurieann W. rated Edgard Gonzalez 5.0 stars: Working with Edgard has been exceptional from the very first transaction. He is the kind of loan officer who looks for solutions, not obstacles, and consistently finds ways to make a deal work. I am genuinely grateful for the dedication he brings to my clients and my transactions. He has made deals happen when other lenders could not, and my buyers have been thrilled with the results. Edgard goes far beyond what is typical in this industry. He is hands‑on with every step of the process—he doesn’t pass tasks off to others, he stays involved and engaged from start to finish. He is honest, patient, and willing to hold a buyer’s hand when needed. Recently, he even took one of my buyers to their own banks to help them gather the required documentation. That level of care is rare. We have closed several transactions together, all successful, and he continues to work diligently all the way through closing. My words may not fully capture how extraordinary he is. He thinks creatively, approaches challenges with an “out‑of‑the‑box” mindset, and is available nights and weekends when the situation calls for it. He truly cares about his clients and the deals he works on, and people feel that immediately. It is not easy in today’s market to find someone like Edgard. I will continue recommending him to my buyers—and to my colleagues’ buyers as well. He is an excellent communicator and even helped keep my nervous sellers calm while representing the buyer. Thank you, Edgard, for your hard‑earned efforts, your care, and your diligence. Respectfully, Laurie Ann von Wald Ronald W. rated Ashley Higdon 5.0 stars: I had been longing fo a long period of time. I got prequalified and Ashley and her staff made the buying process very enjoyable! I highly recommend Ashley Hidgon and her team! Steven S. rated Edgar Ibarra 5.0 stars: Edgar & his team were awesome and very helpful. Glenn M. rated Graham Nadler 5.0 stars: Every step of the process was clearly explained and quickly handled.

DC Mortgage Refinance Rates

Current DC Home Refinance Rates

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Refinance Rates Trend in DC

What Affects Mortgage Refinance Rates in Washington, DC

Types of Refinances Available in Washington, DC

FHA and VA Refinance Options in Washington, DC

Conforming Loan Limits for a Washington, DC Refinance

Washington, DC Refinance FAQs

When Does Refinancing Make Sense in Washington, DC?

Is a $1 Million Refinance a Jumbo Loan in Washington, DC?

Can I Refinance a VA Loan in Washington, DC?

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