As it has always been, the safety and security of our customers and team members remains our highest priority. For the safety of our borrowers, business partners and employees, our offices in Charleston and Bridgeport are temporarily closed to outside guests. Our hearts and thoughts go out to the people who have been affected by this unprecedented event.
If you want to make a payment:
We Recommend you use one of the Payment Methods below during this time:
- **Free** Online payment at www.wvhdf.com
- Pay via the Fund’s mobile app
- Mail Check to:
P.O. Box 1993
Charleston WV, 25327
- Drop off – We have a drop box just outside our main gate that is available 24 hours a day.
If you have not yet setup a free online account, now is the perfect time. There is never a charge to make your payment online. Please go to Current Customers for more information.
Please note: Due to the interruption in our availability as well as the many people across the state affected by Covid-19, we will not send Negative Credit Reporting for the months of March 2020 and April 2020.
If you have been impacted by the Coronavirus Pandemic (Covid-19) and are having difficulty making your payments:
If you are a customer that has not been affected by COVID-19 or are still receiving your normal income, please continue to pay your mortgage. Programs are in place for customers who are experiencing financial hardship only. You are allowed until the last business day of the month to submit your payment and not be considered in default.
If you are a customer affected by COVID-19 we may have loss mitigation options available to help you through this time.
On March 27, 2020, a new federal law, the Coronavirus Aid, Relief, and Economic Security (CARES) Act was passed to provide mortgage relief to borrowers.
To be eligible for protections under the CARES Act your mortgage must be federally owned or otherwise backed by one of the federal agencies and entities listed below.
List of federal agencies and entities
- U.S. Department of Housing and Urban Development (HUD)
- U. S. Department of Agriculture
- USDA Direct
- USDA Guaranteed
- Federal Housing Administration (FHA)
- U.S. Department of Veterans Affairs (VA)
- Fannie Mae
- Freddie Mac
If your mortgage is backed by one of the federal agencies listed above, the CARES Act provides the following:
- A foreclosure moratorium
All foreclosure sales and evictions have been postponed until June 1, 2020. Similarly, we have suspended negative reporting to credit agencies in March and April for all borrowers. The CARES Act prohibits lenders and servicers from beginning a foreclosure against you, or from finalizing a foreclosure judgment or sale, during this time.
- A right to forbearance for homeowners who are experiencing a financial hardship due to the coronavirus pandemic
What is a forbearance? A forbearance is when your mortgage servicer or lender allows you to pause or reduce your mortgage payments for a limited period, allowing time for your financial situation to improve. During a forbearance, negative credit reporting is suspended, no late fees will be assessed, and foreclosures will not be initiated. The CARES Act allows borrowers to request a forbearance for up to 180 days. You also have the right to request one extension for another 180 days.
Forbearance doesn’t erase, nullify, or otherwise remove what you owe – you’ll have to repay any missed or reduced payments in the future and typically get current on missed payments. If you do not make payments to your escrows during the forbearance period, this will likely result in a shortage in your escrow account and raise the amount of your new payment at that time when payments resume. If your income is restored during a forbearance, please call us at 1-800-933-1272. The WVHDF staff will work with you to setup a repayment plan and offer the appropriate loss mitigation option based on the guidance from the federal entity that your loan is associated with.
To request a forbearance, Click Here.
If you do not know who owns or backs your mortgage or if your mortgage isn’t backed by the federal government, you still may have relief options.
To request assistance, Click Here
If you choose to call us instead of submitting a request online, please understand that, although our customer support call center is open, we are experiencing higher than normal call volume and longer wait times. We know that it’s frustrating to wait and we apologize for the inconvenience.
To contact us:
For Covid-19 related questions, please email us at: (or for all other questions) or call us at 1-800-933-1272. If you choose to call us, please understand that, although our customer support call center is open, we are experiencing higher than normal call volume and longer wait times. We know that it’s frustrating to wait and we apologize for the inconvenience. Your call will be directed to the next available representative in the order in which it was received.