THE FHA IN West Virginia

FHA loans have been helping West Virginia residents since 1934

An FHA Specialist can offer you a better loan including:

  • Low Down Payment Plans

  • Low Closing Cost

  • Easier Credit Qualifications

  • Lowest Federal Reserve based  Interest Rate

  • 24 Hour Pre-Approval Process

West Virginia First Time Home Buyer Loan

This FHA loan program was created to help increase homeownership. The FHA program makes buying a home easier and less expensive than any other types of real estate mortgage home loan program.

Buy a home in West Virginia with help from a Family Member

When buying a home, almost every lender will want to know where your down payment came from. If someone in your family is helping you with that down payment, it is called a Gift of Equity, a special FHA loan program.

West Virginia FHA Refinance to a Lower Rate

Lowering your monthly mortgage payment is easier than ever as FHA Mortgage Interest Rates continue to decline.

West Virginia FHA Debt Consolidation

An FHA Debt Consolidation Loan can change your life, and we can connect you to an FHA Home Lending Expert to talk over your financial situation so you are not left to figure out everything on your own.

West Virginia FHA Home Loan

How it works:

√  Determine the type of FHA Government Loan your needs.

√  Complete an easy 2 minute application form.

√  We will forward your application to one and only one FHA Approved Lender who can best help you base.

  • The type of loan you requested
  • Your down-payment (if purchase loan)
  • The location (State) your property is located
  • Your credit history
  • The best rate available for your loan

√  FHA Loan Specialist will respond within 1 business day. They will explain what type of loan you are approved for, and the options available to you.

√  Immediately that same day, the FHA Lender will overnight your pre-approval letter to you.

√  Review with no obligations your FHA Loan Pre-approval and locked rate.

 

Note - It is very important that you keep this letter. It is your official pre-approval on bank letterhead with your 'locked rate', and if purchasing a house, it is equally important that you present this letter to the real estate agent to confirm your pre-qualification status.

West Virginia FHA Lending Limits 2025

West Virginia Median Home Sale Price Price $261,000

CountyOne Unit Two UnitThree Unit Four Unit
BARBOUR$524,225 $671,200$811,275 $1,008,300
BERKELEY$524,225 $671,200$811,275 $1,008,300
BOONE$524,225 $671,200$811,275 $1,008,300
BRAXTON$524,225 $671,200$811,275 $1,008,300
BROOKE$524,225 $671,200$811,275 $1,008,300
CABELL$524,225 $671,200$811,275 $1,008,300
CALHOUN$524,225 $671,200$811,275 $1,008,300
CLAY$524,225 $671,200$811,275 $1,008,300
DODDRIDGE$524,225 $671,200$811,275 $1,008,300
FAYETTE$524,225 $671,200$811,275 $1,008,300
GILMER$524,225 $671,200$811,275 $1,008,300
GRANT$524,225 $671,200$811,275 $1,008,300
GREENBRIER$524,225 $671,200$811,275 $1,008,300
HAMPSHIRE$524,225 $671,200$811,275 $1,008,300
HANCOCK$524,225 $671,200$811,275 $1,008,300
HARDY$524,225 $671,200$811,275 $1,008,300
HARRISON$524,225 $671,200$811,275 $1,008,300
JACKSON$524,225 $671,200$811,275 $1,008,300
JEFFERSON$1,209,750 $1,548,975$1,872,225 $2,326,875
KANAWHA$524,225 $671,200$811,275 $1,008,300
LEWIS$524,225 $671,200$811,275 $1,008,300
LINCOLN$524,225 $671,200$811,275 $1,008,300
LOGAN$524,225 $671,200$811,275 $1,008,300
MARION$524,225 $671,200$811,275 $1,008,300
MARSHALL$524,225 $671,200$811,275 $1,008,300
MASON$524,225 $671,200$811,275 $1,008,300
MCDOWELL$524,225 $671,200$811,275 $1,008,300
MERCER$524,225 $671,200$811,275 $1,008,300
MINERAL$524,225 $671,200$811,275 $1,008,300
MINGO$524,225 $671,200$811,275 $1,008,300
MONONGALIA$524,225 $671,200$811,275 $1,008,300
MONROE$524,225 $671,200$811,275 $1,008,300
MORGAN$524,225 $671,200$811,275 $1,008,300
NICHOLAS$524,225 $671,200$811,275 $1,008,300
OHIO$524,225 $671,200$811,275 $1,008,300
PENDLETON$524,225 $671,200$811,275 $1,008,300
PLEASANTS$524,225 $671,200$811,275 $1,008,300
POCAHONTAS$524,225 $671,200$811,275 $1,008,300
PRESTON$524,225 $671,200$811,275 $1,008,300
PUTNAM$524,225 $671,200$811,275 $1,008,300
RALEIGH$524,225 $671,200$811,275 $1,008,300
RANDOLPH$524,225 $671,200$811,275 $1,008,300
RITCHIE$524,225 $671,200$811,275 $1,008,300
ROANE$524,225 $671,200$811,275 $1,008,300
SUMMERS$524,225 $671,200$811,275 $1,008,300
TAYLOR$524,225 $671,200$811,275 $1,008,300
TUCKER$524,225 $671,200$811,275 $1,008,300
TYLER$524,225 $671,200$811,275 $1,008,300
UPSHUR$524,225 $671,200$811,275 $1,008,300
WAYNE$524,225 $671,200$811,275 $1,008,300
WEBSTER$524,225 $671,200$811,275 $1,008,300
WETZEL$524,225 $671,200$811,275 $1,008,300
WIRT$524,225 $671,200$811,275 $1,008,300
WOOD$524,225 $671,200$811,275 $1,008,300
WYOMING$524,225 $671,200$811,275 $1,008,300