Q. Can I make my payment online?
A. Yes. Using your account number and password you can access the online payment feature through the Customer Log In. This is a free service and your payment will be credited to your account the same day as long as you authorize your payment before 2 pm. Otherwise, it will be credited the next business day.

Q. When is my payment due? What penalties will be incurred if I am late?
A. Unless otherwise specified, all mortgage payments are due on the first day of each month. If your payment has not been received by the 16th of the month, a late charge will be assessed.

Q. Can my payment come out of my bank account automatically?
A. Yes. The West Virginia Housing Development Fund provides the convenience of automatic payment processing for your monthly mortgage payment, FREE, as a service to you. You can save time and expense by signing up for the automatic payment withdrawal service today! View more information.

Q. How can I find out the payoff amount on my mortgage?
A. Contact the Loan Servicing Department at 1-800-933-1272 for a payoff quote.

Q. What if I do not receive my payment coupons before my mortgage payment is due?
A. Contact the Loan Servicing Department at 1-800-933-1272 to obtain your loan number. Verify your correct mailing address and contact information with a Loan Servicing representative. Be sure to mail your payment by the due date to West Virginia Housing Development Fund, Loan Servicing Department, P.O. Box 1993, Charleston, WV 25327.

Q. I lost my coupons. How do I get a replacement book?
A. Call the Loan Servicing Department at 1-800-933-1272 to request a replacement coupon book. Replacement coupon books are provided at no cost.

Q. What do I do when I receive an insurance bill or tax ticket in the mail?
A. First verify that the bill is not a courtesy copy mailed to you for your information, or another insurance type (i.e. auto insurance or personal property tax). Then write your Loan Number on the bill and send it to West Virginia Housing Development Fund, 814 Virginia Street, East, Charleston, WV 25301, Attention: Escrow Department.

Q. Why does my mortgage payment change each year?
A. Changes in your payment are determined by the type of loan you received and any annual increases, or decreases, in your escrowed items (i.e. taxes or insurance).