Continuing our ongoing look at local mortgage rates around the country, Peak Personal Finance is now looking towards Virginia.

Best home loans in Virginia are provided by a number of financial institutions. In recent years, most banks have started charging a uniform Annual Percentage Rate and monthly fees across the nation but state institutions and local credit unions often offer lower APR with manageable monthly fees. All rates are calculated for a loan amount of $160,000 and a down payment of 20%.

The best mortgage rates are currently offered by EverBank in the 15-year loan category. The company is offering an APR of 4.423%. Fees in APR are $647 and the estimated monthly payment is $1,204. Atlantic Mortgage and Funding is offering an APR of 4.433%. Fees in APR are $625 and the estimated monthly payment is $1,214.

The best home mortgage rates in Virginia are also offered by AimLoan.com. The company currently offers an APR of 4.437% with the monthly fee of $1,204; fees in APR are $1,995. Corridor Mortgage Group is offering an APR of 4.440%. Fees in APR are $695 and the estimated monthly payment is $1,214. Total Mortgage Services are also offering an APR of 4.440%. Fees in APR are similar at $695 and the estimated monthly payment is $1,214.

For a 30-year loan with similar amount and down payment, AimLoan.com is offering the best mortgage interest rates. The company is currently offering an APR of 4.764% with monthly fees at $811 and fees in APR at $1,995.

The best mortgage rates in Virginia are offered by other companies as well though they have relatively higher APR. Atlantic Mortgage and Funding is offering an APR of 4.834%. Fees in APR are $625 and the estimated monthly payment is $823.