Homeownership Interest Rate for April 1, 2015: 3.50% (APR: 3.924%)

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March 25, 2015
Here at the Fund, we pride ourselves on customer service and our willingness to not only do all we can to help homebuyers as they make...
December 8, 2014
Study offers comprehensive overview of housing in state.   For more information, please contact George Gannon at 304.319.8643...
September 16, 2014
Fund reaches goal for distribution of HOME funds                      ...
August 11, 2014
BLUEFIELD - From blighted to beautiful.   That’s how many are describing the transformation along the 1100 block of Highland Avenue...
June 26, 2014
The West Virginia Housing Development Fund has unveiled a new interactive tool that allows homebuyers to connect with lenders who use...
May 12, 2014
  The West Virginia Housing Development Fund is pleased to announce the promotion of a longtime employee. Julie Aliff was recently...
April 25, 2014
How do young people view equality and fair housing? The West Virginia Housing Development Fund hoped to answer some of these questions by...
April 18, 2014
The West Virginia Housing Development Fund has been recognized for assisting homeowners and helping to create a cleaner environment....
April 10, 2014
A Message for Current Customers:   The West Virginia Housing Development Fund is excited to announce a new line up of interactive...
March 12, 2014
A message from Erica Boggess, the West Virginia Housing Development Fund's Acting Executive Director:     We are proud to...

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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:

Hardship Affidavit

 -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

Financial Forms

Income Information

Monthly Expenses

    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.