Homeownership Interest Rate for May 6, 2016:
3.95% (APR: 4.422%)

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March 22, 2016
Program vital for West Virginia   CHARLESTON – The West Virginia Housing Development Fund is taking time in 2016 to celebrate 30...
February 11, 2016
    We are sad to announce the impending retirement of Nan Stevens, the Fund’s Area Manager for the Eastern Panhandle, and...
January 7, 2016
A series of workshops across West Virginia are scheduled to help locals and municipalities access funding to demolish or acquire...
December 17, 2015
Changes are coming!   At the West Virginia Housing Development Fund, we do all we can to make certain our customers come first....
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...
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...

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Help for Homeowners


No matter what your situation, you may have options. The sooner we talk the more options you may have. If you would like to contact us via phone, please call 1-800-933-1272. Or click the following to apply for assistance:

Hardship Affidavit

 -This document must be mailed to the Fund:
   The West Virginia Housing Development Fund
   C/o Loss Mitigation
   5710 MacCorkle Ave. SE

   Charleston WV 25304

Financial Forms

Income Information

Monthly Expenses

Suggestions for Every Homeowner

  • Increase Savings - A family should have savings equal to 2 or 3 months of mortgage payments to protect their ability to work through a short term financial crisis.
  • Track Monthly Expenses - A family should closely monitor monthly expenditures. Many families have no idea how much money they spend each month. 
  • Reduce Credit Card/Consumer Debt - Do not use credit cards for monthly expenses and stop the use of consumer credit for any purchases. Outstanding balances for consumer credit should not exceed your ability to payoff the total debt in 6 months. (Savings and Income). Families should save money to pay for purchases.
  • Understand Home Maintenance - No home is free of repairs. Monthly action must be taken to prevent small problems (water drip under a sink) from becoming a large expense (flooring and a new cabinet). Extra care to the exterior of your home will help maintain the value of your home.
  • Be Proactive - Call your creditors - Understand the terms of all your credit obligations, how to reduce fees and who to call if you are unable to make a scheduled payment. You have the power to stop collection calls - make the first call at your convenience. Open your mail, read and ask questions if you do not understand information or notifications regarding your credit accounts.
  • Find Supplemental Income - There are only 2 ways to improve your financial condition: Spend Less or Increase Income. If you already work 2 jobs then cutting expenses may be your solution. If not, a second job, if only for a year, could improve your financial condition. This solution ONLY works if expenses are held to prior monthly levels.

If you find yourself having financial difficulty, here are some links and information you may find beneficial:

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.