Homeownership Interest Rate for April 21, 2017:
4.25% (APR: 4.742%)

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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...
December 21, 2016
  West Virginia’s natural beauty is truly unmatched.   Our citizens are among the brightest, hardest working and...
December 6, 2016
The West Virginia Housing Development Fund is proud to announce a new video designed to help our partners across the lending and banking...
October 6, 2016
          Standard & Poor’s Rating Service has once again affirmed West Virginia Housing...
August 25, 2016
  To assist those affected by flooding in towns and communities across our state, the West Virginia Housing Development Fund...
August 10, 2016
Borrowers can pay mortgage, check balance from smart phone or tablet    Now there’s an easy, secure way to access your...
June 23, 2016
CHARLESTON – The West Virginia Housing Development Fund is excited to announce a new initiative that will help our state’s low-income...

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:

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.