Homeownership Interest Rate for January 20, 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...

Statewide Flood Recovery Information

***Click here for important Disaster Recovery Information***



To assist those affected by flooding in towns and communities across our state, the West Virginia Housing Development Fund has implemented an affordable new loan initiative. Rebuild West Virginia has been designed to help those whose homes were damaged or destroyed by high water.



  • It is important for applicants to first contact the Federal Emergency Management Agency (FEMA) and/or the Small Business Administration (SBA).


  • Loans are available for both home repair or replacement.



  • For those who decide to relocate out of a designated flood zone, relocation assistance may be provided.



FEMA can be reached at 800-621-3362. The line is open from 7 a.m. to 10 p.m. EDT, seven days a week until further notice. If you have a speech disability or hearing loss and use a TTY, call 800-462-7585 directly; if you use 711 or Video Relay Service (VRS), call 800-621-3362. You may also find help at a State-FEMA Disaster Recovery Center. To find the one nearest to you, call the helpline, 800-621-3362, or click here.


For more information about SBA loans, call SBA’s Disaster Assistance Customer Service Center at 800-659-2955, email disastercustomerservice@sba.gov, or visit http://www.sba.gov/disaster.  TTY users may call 800-877-8339. Applicants may also apply online using the Electronic Loan Application (ELA) via SBA’s secure website at https://disasterloan.sba.gov/ela. SBA Disaster low-interest loans are available to businesses of all sizes, homeowners and renters for their recovery needs. 


All interested applicants are encouraged to contact the West Virginia Housing Development Fund via email or by calling us 1-800-933-8511 for further details and assistance.  


To Fund Customers Affected By Flooding and High Water:


Our thoughts are with everyone affected by the recent flooding and high water. This has been a challenging time.


We would ask that if you have a loan with the Fund, please contact us if you or your employer have had flood damage and you think you may encounter problems making a payment.   Feel free to contact one of our many trained customer service representatives for assistance at the number listed below to discuss what options might be available.


We can be reached at 1-800-933-1272


Our office hours are Monday through Friday 8:30 am to 4:30 pm.  You can also reach us via email and we will respond to you the next business day. To speak with someone specifically about an insurance loss claim, please use extension 8104.


We also ask that you provide current contact information. If you have access to the Internet, please use your online mortgage-payment interface to update any and all pertinent information.  On this website, click on the Current Customers tab, log in to your loan and provide up to date information

Thank you



To Anyone Affected By Flooding in June 2016 or July 2017:


If you were impacted by the recent high water and live in a county desiganted as a disater area, please register with FEMA as soon as possible. You MUST register to receive FEMA assistance.


FEMA Contact Information


For more information on FEMA's West Virginia’s disaster recovery efforts, visit 


Federal disaster declarations have been made in the following counties:

June 2016: Clay, Fayette, Greenbrier, Jackson, Kanawha, Lincoln,  Monroe, Nicholas, Pocahontas, Roane, Summers and Webster counties.


July 2017: Harrison, Marion, Marshall, Wetzel counties




SBA's Disaster Loan Assistance - SBA disaster loans can be used to repair or replace items damaged or destroyed in a declared disaster area: real estate, personal property, machinery and equipment, inventory and business assets.

Federal Aid Programs for the State 


West Virginia Division of Homeland Security and Emergency Management


Office of the Governor Jim Justice








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.