Homeownership Interest Rate for April 19, 2015: 3.50% (APR: 3.924%)

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April 10, 2015
Outreach seminar sponsored by BB&T   For more information contact Communication Manager George Gannon at 304.391.8643...
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...

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Home Buying Steps

 

Tens of thousands of West Virginians have discovered the secret to homeownership through the West Virginia Housing Development Fund.

After you have a sales contract on the home you select, you will need to meet with your lender again to complete the loan application. The following items may be requested by your lender. 

  • Fully executed purchase contract and a copy of the seller's deed.
  • Personal check to pay for appraisal of the property.
  • Names and addresses of your landlords for the last two years.
  • Copies of last three years signed federal tax returns, with all schedules and W2s.
  • List of all your assets, including bank accounts (checking, savings, Certificates of Deposit, Individual Retirement Accounts, etc.) with current bank statements for each.
  • Copy of award letter from pension/retirement fund, disability insurer, etc.
  • Names and addresses of your current employer (s) and other employers for the past two years.
  • List of all amounts you owe, including charge and credit card account balances (include account numbers).
  • If applicable, copy of divorce decree, property settlement and verification of child support or bankruptcy papers.
  • Two current pay stubs covering a 30-day period. 
  • Self Employed: Three years signed federal tax returns with all schedules and a year-to-date profit and loss statements.
  • Verification of child support income, if being used to qualify.

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.