Homeownership Interest Rate for February 19, 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...

Refinance Options

Refinancing your mortgage through the Fund can save you money.

Working through our Secondary Market Program, Fund refinance loans offer a number of benefits:

  • 10, 15, 20 or 30-year, fixed rate mortgage loans 
  • Fixed interest rates, meaning your payment will always remain the same
  • Loans serviced by the Fund

Eligible Borrowers
The program is open to most income levels and barrowers mys currenty have a housing loan through the Fund.


Eligible Properties
The property must be located in the state of West Virginia. Eligible properties include single, detached, existing, stick-built or modular homes; duplex, townhouse or condominium units; and new and used double-wide mobile/manufactured homes.


Mortgage Insurance
All loans that exceed 80% of the lesser of sales price or the appraised value of the home must be insured by a private mortgage insurance company.

Please click here if you have further questions about this program.

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.