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Single-Family Programs

Multifamily Programs

Section 8

Enroll in Auto Pay

Enroll in Auto Pay

The Fund provides the convenience of free automatic payment processing for your monthly mortgage payment from your checking or savings account. With the automatic mortgage payment withdrawal service, you can choose the date your account is debited – up to the 15th of the month.

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Help for Homeowners

Help for Homeowners

No matter your situation, you may have options. Homeowners who have their mortgages through the West Virginia Housing Development Fund can contact us for assistance in avoid foreclosure.

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Payment and Contact Info

Payment and Contact Info

We service all loans made through our Single-Family and Multifamily programs right here in our Charleston office. We accept payments, work with customers to solve issues, facilitate tax and insurance payments, and more. See information below on the different ways you can submit your payments or contact us for assistance.

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Board of Directors

Board of Directors

Our 11-member Board, appointed by the Governor, oversees the Fund's financial and operational direction, playing a key role in advancing our mission of providing safe, affordable housing in West Virginia.

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Careers

Careers

We strive to maintain an experienced workforce that is dedicated to improving the lives of all West Virginians and advancing our mission of providing access to clean, decent, affordable housing.

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Contact Us

Contact Us

We want to hear from you! Whether you have a question about a program or an issue with your loan, we are here to help! You can reach us by phone, email, or through this secure messaging portal.

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Financial Bond Information

Financial Bond Information

View the Fund's financial information, including audited financial statements, investment policies, disclosure reports, and bond call notices.

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FOIA Requests

FOIA Requests

File a Freedom of Information Act request.

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Funding Award Info

Funding Award Info

From time to time, the Fund issues Requests for Proposals for funding through various programs, in addition to serving as the administrator of various federal programs. Information on open RFPs, as well as funding commitments for our various programs, can be found below.

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Reports

Reports

In any given year, the West Virginia Housing Development Fund works tirelessly to advance our mission of providing affordable housing for all West Virginia. Our Annual Report serves as a review of the year’s successes, providing financial information and other data as well as explaining the impact of our work on the people we serve, in their own words.

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Staff

Staff

Meet the passionate leaders and team members driving our mission to provide affordable housing across the state. Their expertise and dedication ensure that our programs enhance quality of life and strengthen West Virginia communities. Discover the talented individuals at the heart of our organization.

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Affordable Rental Properties

Affordable Rental Properties

Search our database of affordable rental properties in West Virginia. Contact the property managers listed for additional information.

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WVHDF Act and Bylaws

WVHDF Act and Bylaws

The West Virginia Housing Development Fund was created by legislative action in 1968 with the mission of providing safe, decent, affordable housing to all of West Virginia.

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Lending Partners

Lending Partners

Our statewide network of partner lenders is the backbone of our Single-Family Lending Division. Your partnership helps drive our mission in communities across our state. This page contains all of the information you need to assist our shared customers achieve their dreams of affordable homeownership, including program guides, forms, marketing material, and more.

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Real Estate Agents

Real Estate Agents

Real estate agents play a vital role in helping West Virginians achieve the dream of homeownership. This page is full of resources to help you do just that! Please see the videos, guides, and links below to learn more about our loan programs and how they can help your buyers.

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Homeownership Program

The Homeownership Program makes buying a home more affordable for West Virginians. Primarily targeting first-time home buyers, this program generally offers our lowest interest rates and access to down payment assistance.

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Movin Up Program

The Movin’ Up Program has been designed to help moderate-income first-time or repeat homebuyers purchase a new residence. Movin’ Up does not have a first-time homebuyer requirement, making it a great option for current homeowners who want a change.

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Low Down Home Loan

The Low Down Home Loan is offered exclusively with the Fund's Homeownership and Movin' Up programs and can be used to cover down payment and/or closing costs, reducing the amount of out-of-pocket funds needed to purchase a home.

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The Residential Septic Loan Program

The Residential Septic Loan Program is a partnership between the West Virginia Housing Development Fund and the West Virginia Department of Environmental Protection designed to help eligible homeowners repair or replace failing on-site septic systems or connect to a public treatment system.

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Low-Income Assisted Mortgage Program

LAMP provides West Virginia Habitat for Humanity organizations with a funding source by purchasing new and existing single-family mortgages, helping generate capital to build more affordable homes.

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Top Producing Lenders

View the lenders and loan officers who produced the most WVHDF loans in a six-month period.

View Top Lenders

Low Income Housing Tax Credit Program

The Fund administers the Low-Income Housing Tax Credit Program, which generates low-income residential rental units by encouraging private investment through federal tax credits. Since its inception, this program has produced more than 18,400 affordable rental units in West Virginia.

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The HOME Investment Partnerships Program

HOME is a federal program designed to increase the supply of affordable rental housing, support communities in providing affordable housing, and to expand the capacity of community-based housing development organizations.

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National Housing Trust Fund

A federal program funded by HUD to increase and preserve the supply of safe, decent, affordable housing, with primary attention to rental housing, for extremely low and very low-income households.

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Affordable Housing Fund

The Legislature created the Affordable Housing Fund in 2001 to provide funding for technical assistance and housing assistance to non-profits and government entities and to encourage stronger partnerships, collaboration and greater involvement of local communities in meeting housing needs in West Virginia.

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Home4Good

Home4Good is a program developed by the Federal Home Loan Bank Pittsburgh and the West Virginia Housing Development Fund to address unmet and critical needs in the existing Continuums of Care across the state.

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Management Occupancy Reviews

As Contract Administrator, WVHDF conducts Management and Occupancy Reviews on HUD's behalf to evaluate a property's compliance with Section 8 program and Housing Assistance Payments (HAP) Contract requirements.

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Renewals and Increases

Our Section 8 team processes renewals and rent adjustments for all contracts in the PBCA portfolio each year. Depending on the Owner/Agent’s request and selection of available options available, these processes may also include the review and approval of proposed rents, utility analysis, and other adjustments.

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Renters Information

The Project-Based Section 8 (PBCA) Program provides rental assistance for extremely low- to moderate-income residents living in certain apartment complexes throughout West Virginia. The subsidy is tied to specific complexes and paid directly to the owner on behalf of the resident. The rental subsidy does not follow the resident from property to property.

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Special Claims

If a subsidized unit becomes vacant, the Owner/Agent may file a claim for vacancy loss and compensation for unpaid tenant rent and damages. The special claims are submitted to the Fund where they are analyzed and verified then approved, adjusted, or denied.

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Voucher Processing

Information for owners and agents about voucher processing, compliance, and other related requirements to participate in the Section 8 Project Based program.

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Press Room

We believe that educating the public about the agency and our impact on West Virginians is a core part of our mission. Our featured news and success stories all work together to shine a light on our work and show you how affordable housing strengthens communities all across the state.

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Featured News

The exterior of Hotel Thelma, an aging structure built of white cinder block. A marker stands in front of the building, noting the hotel's recognition in the Green Book, a guidebook for Black travelers during the Jim Crow era.

Featured News • April 17, 2026

Hotel Thelma Restoration Brings Affordable Senior Housing to Bluefield

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Featured News • February 3, 2025

NEWS RELEASE: WV Veterans’ Home Loan Mortgage Program Allocates All Available Funding

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Featured News • December 11, 2024

NEWS RELEASE: Home4Good Program Awards Funding to Address Homelessness in West Virginia

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Featured News • December 5, 2024

WVHDF Executive Director Announces Retirement

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Featured News • September 3, 2024

NEWS RELEASE: West Virginia Veterans’ Home Loan Mortgage Program to Launch September 12

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Featured News • July 18, 2024

Loganwood Apartments Offers Veterans a Place to Call Home

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Featured News • May 10, 2024

NEWS RELEASE: WV Homeowners Rescue Program Closed to New Applications

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Featured News • October 10, 2023

Fund Announces Key Staffing Changes

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Featured News • October 4, 2023

Fund Releases FY2023 Annual Report

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Featured News • September 6, 2023

NEWS RELEASE: WVHDF Single-Family Lending Division breaks mortgage loan records

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Featured News • August 7, 2023

Stockton Greene Makes Life “Better” for Residents

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Featured News • July 26, 2023

Governor appoints Two New Members to Fund’s Board

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Featured News • July 7, 2023

NEWS RELEASE: West Virginia Homeowners Rescue Program Adds Home Repair Grant

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Featured News • June 5, 2023

Montgomery welcomes new residential recovery home

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Featured News • March 29, 2023

NEWS RELEASE: WV Homeowners Rescue Program Commemorates One Year of Operations by Declaring April as Housing Stability Awareness Month

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Featured News • March 2, 2023

Introducing the Low Down Home Loan

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Featured News • February 23, 2023

Fund earns AAA rating from S&P Global

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Featured News • December 5, 2022

NEWS RELEASE: Homeowners Can Now Access More Assistance Through WV Homeowners Rescue Program

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Featured News • October 27, 2022

NEWS RELEASE: Catch up on Utility Payments with the West Virginia Homeowners Rescue Program

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Featured News • October 17, 2022

Fund Hosts First Live Lender Training in Two Years

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Blog

Blog • June 1, 2026

Buying a Home in West Virginia: What Discouraged Homebuyers Need to Know

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Pipes run through a trench connecting a home to a damaged septic system.

Blog • May 8, 2025

Residential Septic Loan Program Helps Homeowners Address System Issues

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Blog • January 19, 2023

Understanding the Home Loan Process

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Blog • October 20, 2022

Fund’s Competitive Rates Give Borrowers Greater Purchasing Power

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Blog • August 22, 2022

Housing Counseling Can Set the Stage for Responsible Homeownership

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Blog • April 22, 2022

Energy Efficiency Emphasized in WVHDF Affordable Housing Programs

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Success Stories

Person in casual clothes standing on driveway in front of a house with stone and beige siding and white garage door.

Success Stories • April 28, 2025

WVHDF Programs Help Morgantown Woman Achieve Goals After Divorce

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Success Stories • December 18, 2024

Renovated House More Than Just a Home for Charleston Woman

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Person stands on a home porch, reflecting pride, stability, and a welcoming place to live.

Success Stories • June 3, 2024

Fund makes homeownership possible for Parkersburg single mom

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Success Stories • October 26, 2023

Habitat Tri-State Welcomes Newest Homeowners

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Success Stories • August 14, 2023

Loan Program Helps Tallmansville Couple Repair Septic System

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A man in a dark t-shirt and shorts stands next to a woman with a blue t-shirt and black shorts on a sidewalk in front of a small, white, single-story home.

Success Stories • June 6, 2023

WVHDF Opens the Doors to Affordable Homeownership in Morgantown

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Success Stories • August 18, 2022

West Virginia Homeowners Rescue Program Saves Kanawha Woman’s Home

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Success Stories • May 11, 2022

Mountaineer Rental Assistance Program: Renter Testimonial

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Success Stories • February 16, 2021

West Side Woman Finds Hope After Tragedy

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Success Stories • September 26, 2019

Huntington Homeowner Excited For Family

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Brian Holland stands on the porch of his new home.

Success Stories • August 29, 2018

Veteran Has New Home With Help from Fund Program

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Success Stories • August 9, 2017

Kanawha County Using Fund Program to Take Down Dangerous Buildings.

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Success Stories • April 25, 2017

Fund, Kanawha County Working Together to Take Down Blighted, Dangerous Buildings.

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Nancy Blankenship

Success Stories • September 16, 2014

Mercer County Woman Celebrates New Home

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Success Stories • August 11, 2014

Fund Helps Revitalize Community

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Success Stories • February 28, 2014

Fund Helps Developers Transform Old School into Gleaming Apartments

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Success Stories • January 17, 2014

Residents Find Sense of Community in Huntington Housing Development

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