Dismiss

The West Virginia Homeowners Rescue Program is CLOSED to all new claims and applications. Visit www.wvhomeresuce.com for more information. You may check the status of your application by logging into the application portal. 

CUSTOMERS: Please note Fund offices, including our customer service department, will be closed for the Thanksgiving holiday on November 28 and 29. Our last business day of the month will be Wednesday, November 27. 

Dismiss

Links to external websites are being provided as a convenience and for informational purposes only; they do not constitute an endorsement or an approval by the West Virginia Housing Development Fund of any of the products, services or opinions of the corporation or organization or individual. The Fund bears no responsibility for the accuracy, legality or content of the external site or for that of subsequent links.

Rates mentioned in news posts may not reflect current rates.

Help for Homeowners

Links to external websites are being provided as a convenience and for informational purposes only; they do not constitute an endorsement or an approval by the West Virginia Housing Development Fund of any of the products, services or opinions of the corporation or organization or individual. The Fund bears no responsibility for the accuracy, legality or content of the external site or for that of subsequent links.

Rates mentioned in news posts may not reflect current rates.

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 by calling 1-800-933-1272. WVHDF customers also can complete and return the Mortgage Assistance Application below:

Mortgage Assistance Application for WVHDF Borrowers 2021

This document must be returned by mail to:

The West Virginia Housing Development Fund
c/o Loss Mitigation
5710 MacCorkle Ave. SE
Charleston WV 25304

**Please note the Mortgage Assistance Application is for WVHDF borrowers, only. If your mortgage is not through WVHDF, please contact your mortgage servicer to find out what options may be available to you.

Suggestions for Every Homeowner

  • Increase Savings – A family should have savings equal to two or three 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 two ways to improve your financial condition: spend less or increase income. If you already work two 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:

  • Questions about your mortgage should be directed to the Fund.
  • Call your creditors–they may be able to help you
  • If you are in need of financial counseling, please contact our partners at the office of Housing and Urban Development at 1-800-569-4287.
  • Apprisen, formerly known as Consumer Credit Counseling Services (CCCS) 1-800-355-2227 or online at www.apprisen.com
  • Neighborworks – Foreclosure Counseling online at www.neighborworks.org.
  • Contact the Homeowners Hope Hotline at 1-888-995-HOPE
  • In West Virginia, call 211 for information by county to help with other financial needs.