Complete the form below to
determine what programs
best fit your needs .

WVHDF Mortgage Programs

Please complete the form to the left to see which programs you may qualify for.*

The Mountaineer Mortgage Plus Renovation Program (MMPR) and the Employer Assisted Loan Program are suspended at this time.

Mountaineer Mortgage Plus...Renovation Program (MMPR)
Provides West Virginians with a unique way to purchase or refinance their home, and include up to $25,000 for renovation in one loan.

Employer Assisted Loan Program
Employers are able to participate in providing affordable housing opportunities for their employees. Great tool for employee recruitment and retention.

Mortgage Revenue Bond Program
Known as the "first-time home buyer" program, providing home buyers 30-year, fixed, below market rate mortgage. Income and house price limits apply. You may not need to be a first time home buyer to qualify.

Secondary Market Program
Ten to 30-year, conventional, fixed-rate mortgages for all income levels with no restrictions other than loan amount of $417,000. Refinancing available.

Home Ownership Assistance Program
Ten year, deferred second loan to cover down payment and closing costs. Complimentary program to the Mortgage Revenue Bond and Secondary Market Program.

Mortgage Credit Certificate
Earn a tax credit of up to $2,000 annually on your federal income tax.

Monthly Plus
Mortgage insurance product that protects home buyers in the event of involuntary unemployment. Find out which lenders offer this great benefit.

NewHOME Program
Federally funded housing program for low and very-low income individuals and families.

Housing Emergency Loan (HELP) Program
Designed to meet the emergency housing repair needs of low-income homeowners.

Contact us for a mortgage loan packet, which will provide a complete overview of WVHDF mortgage products.

*Program eligibility is based on meeting the basic criteria for the restrictions on our loan programs. You must still go through your chosen lender to see if you qualify for a mortgage loan based on income levels, credit and other factors.