Homeownership Interest Rate for February 19, 2018:
4.00% (APR: 4.480%)

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December 6, 2017
RIPLEY – The West Virginia Housing Development Fund recently celebrated the dedication of Elizabeth Way Apartments.     Erica...
November 27, 2017
Fund Remains Only Housing Finance Agency with “AAA” Distinction   Standard & Poor’s Rating Service has once again affirmed West...
August 16, 2017
The West Virginia Housing Development Fund is proud to announce the promotion of two long-time employees.   Crystal Toney will be...
August 9, 2017
CROSS LANES – As of Monday, there is one less blighted, dangerous building in Kanawha County.   It took about 20 minutes for a large...
June 1, 2017
Most know the West Virginia Housing Development Fund through our home-buying programs. One in 10 West Virginia homebuyers have entrusted us...
April 25, 2017
The West Virginia Housing Development Fund’s Board of Directors has approved a loan to the Kanawha County Commission to help take down...
April 18, 2017
  Erica L. Boggess has been named Executive Director of the West Virginia Housing Development Fund.     Boggess, who has...
March 30, 2017
A message to our customers:   Here at the Fund, we are proud of what we do. We are honored by the fact that so many West Virginians...
February 14, 2017
We are pleased to present the West Virginia Housing Development Fund’s Fiscal Year 2016 Annual Report. This is an important record of...
January 26, 2017
  The West Virginia Housing Development Fund is excited to welcome Governor Jim Justice and Agriculture Commissioner Kent Leonhardt...

Help for Homeowners


No matter what your situation, you may have options. The sooner we talk the more options you may have. If you would like to contact us via phone, please call 1-800-933-1272. Or click the following to apply for assistance:



Borrower Assistance Package



 -This document must be mailed to the Fund:
   The West Virginia Housing Development Fund
   C/o Loss Mitigation
   5710 MacCorkle Ave. SE

   Charleston WV 25304


Suggestions for Every Homeowner

  • Increase Savings - A family should have savings equal to 2 or 3 months of mortgage payments to protect their ability to work through a short term financial crisis.
  • Track Monthly Expenses - A family should closely monitor monthly expenditures. Many families have no idea how much money they spend each month. 
  • Reduce Credit Card/Consumer Debt - Do not use credit cards for monthly expenses and stop the use of consumer credit for any purchases. Outstanding balances for consumer credit should not exceed your ability to payoff the total debt in 6 months. (Savings and Income). Families should save money to pay for purchases.
  • Understand Home Maintenance - No home is free of repairs. Monthly action must be taken to prevent small problems (water drip under a sink) from becoming a large expense (flooring and a new cabinet). Extra care to the exterior of your home will help maintain the value of your home.
  • Be Proactive - Call your creditors - Understand the terms of all your credit obligations, how to reduce fees and who to call if you are unable to make a scheduled payment. You have the power to stop collection calls - make the first call at your convenience. Open your mail, read and ask questions if you do not understand information or notifications regarding your credit accounts.
  • Find Supplemental Income - There are only 2 ways to improve your financial condition: Spend Less or Increase Income. If you already work 2 jobs then cutting expenses may be your solution. If not, a second job, if only for a year, could improve your financial condition. This solution ONLY works if expenses are held to prior monthly levels.

If you find yourself having financial difficulty, here are some links and information you may find beneficial:

  • Call your creditors - they may be able to help you
  • If you are in need of financial counseling, please contact our partners at the office of Housing and Urban Development. They can be reached at 1-800-569-4287. Any and all questions about your mortgage should be directed to the Fund. 
  • Apprisen, formerly known as Consumer Credit Counseling Services (CCCS)

  • Neighborworks - Foreclosure Counseling
  • PowerPay.org
  • 1-888-995-HOPE
  • In West Virginia call 211 for information by County to help with other financial needs.

The West Virginia Housing Development Fund is the state's affordable mortgage finance agency.

The WVHDF was established to develop and improve the state's housing opportunities for residents.