THE FHA IN WEST VIRGINIA

FHA loans have been helping West Virginia residents since 1934 

 

A licensed West Virginia FHA Lender can offer you a better loan including:

Low down payments (if any)

24 Hour Pre-Approval

Low closing costs

Easier credit qualifying

48 hour Streamline Refinancing

 

 

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 programs.

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 mortgage interest rates continue to set new record lows almost every week for more than two month.  

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 completely on your own.  

 

West Virginia FHA Home Loan

How it works:

 

√    Determine the type of FHA Government Loan that best fits 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 based upon:

 

  • 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

 

√    An 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 2022

West Virginia Median Home Sale Price Price $141,000

 

County Name Single Duplex 3 Unit 4 Unit
BARBOUR $275,665 $352,950 $426,625 $530,150
BERKELEY $275,665 $352,950 $426,625 $530,150
   HAGERSTOWN-MARTINSBURG, MD-WV
BOONE $275,665 $352,950 $426,625 $530,150
   CHARLESTON, WV
BRAXTON $275,665 $352,950 $426,625 $530,150
   NON-METRO
BROOKE $275,665 $352,950 $426,625 $530,150
   WEIRTON-STEUBENVILLE, WV-OH
CABELL $275,665 $352,950 $426,625 $530,150
   HUNTINGTON-ASHLAND, WV-KY-OH
CALHOUN $275,665 $352,950 $426,625 $530,150
CLAY $275,665 $352,950 $426,625 $530,150
   CHARLESTON, WV
DODDRIDGE $275,665 $352,950 $426,625 $530,150
   CLARKSBURG, WV
FAYETTE $275,665 $352,950 $426,625 $530,150
   BECKLEY, WV
GILMER $275,665 $352,950 $426,625 $530,150
   NON-METRO
GRANT $275,665 $352,950 $426,625 $530,150
GREENBRIER $275,665 $352,950 $426,625 $530,150
HAMPSHIRE $281,750 $360,700 $436,000 $541,800
   WINCHESTER, VA-WV
HANCOCK $275,665 $352,950 $426,625 $530,150
   WEIRTON-STEUBENVILLE, WV-OH
HARDY $275,665 $352,950 $426,625 $530,150
HARRISON $275,665 $352,950 $426,625 $530,150
   CLARKSBURG, WV
JACKSON $275,665 $352,950 $426,625 $530,150
JEFFERSON $636,150 $814,500 $984,525 $1,223,475
   WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-
KANAWHA $275,665 $352,950 $426,625 $530,150
   CHARLESTON, WV
LEWIS $275,665 $352,950 $426,625 $530,150
LINCOLN $275,665 $352,950 $426,625 $530,150
   HUNTINGTON-ASHLAND, WV-KY-OH
LOGAN $275,665 $352,950 $426,625 $530,150
   LOGAN, WV
MARION $275,665 $352,950 $426,625 $530,150
   FAIRMONT, WV
MARSHALL $275,665 $352,950 $426,625 $530,150
   WHEELING, WV-OH
MASON $275,665 $352,950 $426,625 $530,150
   POINT PLEASANT, WV-OH
MCDOWELL $275,665 $352,950 $426,625 $530,150
MERCER $275,665 $352,950 $426,625 $530,150
   BLUEFIELD, WV-VA
MINERAL $275,665 $352,950 $426,625 $530,150
   CUMBERLAND, MD-WV
MINGO $275,665 $352,950 $426,625 $530,150
MONONGALIA $275,665 $352,950 $426,625 $530,150
   MORGANTOWN, WV
MONROE $275,665 $352,950 $426,625 $530,150
MORGAN $275,665 $352,950 $426,625 $530,150
NICHOLAS $275,665 $352,950 $426,625 $530,150
   NON-METRO
OHIO $275,665 $352,950 $426,625 $530,150
   WHEELING, WV-OH
PENDLETON $275,665 $352,950 $426,625 $530,150
PLEASANTS $275,665 $352,950 $426,625 $530,150
POCAHONTAS $275,665 $352,950 $426,625 $530,150
PRESTON $275,665 $352,950 $426,625 $530,150
   MORGANTOWN, WV
PUTNAM $275,665 $352,950 $426,625 $530,150
   HUNTINGTON-ASHLAND, WV-KY-OH
RALEIGH $275,665 $352,950 $426,625 $530,150
   BECKLEY, WV
RANDOLPH $275,665 $352,950 $426,625 $530,150
   ELKINS, WV
RITCHIE $275,665 $352,950 $426,625 $530,150
ROANE $275,665 $352,950 $426,625 $530,150
SUMMERS $275,665 $352,950 $426,625 $530,150
TAYLOR $275,665 $352,950 $426,625 $530,150
   CLARKSBURG, WV
TUCKER $275,665 $352,950 $426,625 $530,150
TYLER $275,665 $352,950 $426,625 $530,150
UPSHUR $275,665 $352,950 $426,625 $530,150
WAYNE $275,665 $352,950 $426,625 $530,150
   HUNTINGTON-ASHLAND, WV-KY-OH
WEBSTER $275,665 $352,950 $426,625 $530,150
WETZEL $275,665 $352,950 $426,625 $530,150
WIRT $275,665 $352,950 $426,625 $530,150
   PARKERSBURG-VIENNA, WV
WOOD $275,665 $352,950 $426,625 $530,150
   PARKERSBURG-VIENNA, WV
WYOMING $275,665 $352,950 $426,625 $530,150