Due to a water outage, the West Virginia Housing Development Fund office in Charleston and the call center are CLOSED. We apologize for any inconvenience.



The West Virginia Housing Development Fund is proud to announce the promotion of two long-time employees.

Crystal Toney will be Deputy Director – Administration managing Accounting, Finance, Information Services and Loan Servicing.  Julie Davis will be Deputy Director – Production managing Single Family, Multifamily, Asset Management and Communications.

“Crystal and Julie bring a wealth of knowledge to their new positions and I speak for everyone here at the Fund when I say congratulations,” said Erica Boggess, the Fund’s executive director.

Ms. Davis joined the Fund in 1992 as an Accounting Analyst.  In 2005, she became a Managing Director of Finance. She also serves as assistant treasurer to the Fund’s Board of Directors.  Ms. Davis is a graduate of Lander University in South Carolina with a degree in English and a graduate of West Virginia State University with a degree in Accounting.

Ms. Toney joined the Fund in 1990 as the Accounting Officer.  In 1998 she became the Manager of Accounting and Investments and in 2005 she became the Managing Director of Accounting and Information Services. She also serves as assistant treasurer to the Fund’s Board of Directors. Ms. Toney is a graduate of Glenville State College with a Bachelor of Science degree in Accounting.

“We are a busy, dynamic organization and Julie and Crystal have been here long enough to really be familiar with the ins and outs of what we do,” Boggess said. “Not only are we the largest loan servicer in the state with a host of products for homebuyers, we work closely with developers, non-profits, lending and financial institutions, groups from across the mortgage industry and other government agencies. We will need their experience, enthusiasm and energy to keep the Fund moving forward.”

(Julie Davis, left, and Crystal Toney, right, will serve as Deputy Directors for the Fund)