Homeownership Interest Rate for November 27, 2015:
4.00% (APR: 4.460%)

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November 4, 2015
Shamblin works with state chapter and local affiliate   Patti Shamblin, the Director of Loan Origination for the West Virginia...
September 18, 2015
Forum continues to grow   The West Virginia Housing Development Fund is proud to have participated in the 2015 West Virginia...
August 19, 2015
Elbon excited to share Fund’s success with other state housing finance agencies.   The West Virginia Housing Development...
July 21, 2015
    For more information, contact Jon Rogers (304) 391 8743   There has never been a better time to...
June 17, 2015
  $1 million available to take down blighted, dangerous structures   For more information, contact Erica Boggess 304...
May 14, 2015
For More Information, contact Communication Manager George Gannon 304 391 8643       Home Inspection?    HUD...
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                      ...

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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.