Homeownership Interest Rate for September 23, 2017:
4.00% (APR: 4.480%)

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August 16, 2017
The West Virginia Housing Development Fund is proud to announce the promotion of two long-time employees.   Crystal Toney will be...
August 9, 2017
CROSS LANES – As of Monday, there is one less blighted, dangerous building in Kanawha County.   It took about 20 minutes for a large...
June 1, 2017
Most know the West Virginia Housing Development Fund through our home-buying programs. One in 10 West Virginia homebuyers have entrusted us...
April 25, 2017
The West Virginia Housing Development Fund’s Board of Directors has approved a loan to the Kanawha County Commission to help take down...
April 18, 2017
  Erica L. Boggess has been named Executive Director of the West Virginia Housing Development Fund.     Boggess, who has...
March 30, 2017
A message to our customers:   Here at the Fund, we are proud of what we do. We are honored by the fact that so many West Virginians...
February 14, 2017
We are pleased to present the West Virginia Housing Development Fund’s Fiscal Year 2016 Annual Report. This is an important record of...
January 26, 2017
  The West Virginia Housing Development Fund is excited to welcome Governor Jim Justice and Agriculture Commissioner Kent Leonhardt...
October 6, 2016
          Standard & Poor’s Rating Service has once again affirmed West Virginia Housing...
August 25, 2016
  To assist those affected by flooding in towns and communities across our state, the West Virginia Housing Development Fund...

Home Buying Steps

 

Tens of thousands of West Virginians have discovered the secret to homeownership through the West Virginia Housing Development Fund.

After you have a sales contract on the home you select, you will need to meet with your lender again to complete the loan application. The following items may be requested by your lender. 

  • Fully executed purchase contract and a copy of the seller's deed.
  • Personal check to pay for appraisal of the property.
  • Names and addresses of your landlords for the last two years.
  • Copies of last three years signed federal tax returns, with all schedules and W2s.
  • List of all your assets, including bank accounts (checking, savings, Certificates of Deposit, Individual Retirement Accounts, etc.) with current bank statements for each.
  • Copy of award letter from pension/retirement fund, disability insurer, etc.
  • Names and addresses of your current employer (s) and other employers for the past two years.
  • List of all amounts you owe, including charge and credit card account balances (include account numbers).
  • If applicable, copy of divorce decree, property settlement and verification of child support or bankruptcy papers.
  • Two current pay stubs covering a 30-day period. 
  • Self Employed: Three years signed federal tax returns with all schedules and a year-to-date profit and loss statements.
  • Verification of child support income, if being used to qualify.

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.