Home Purchase

At WV Central Mortgage we offer a variety of mortgage loan products tailored to your home purchasing needs. We are a participating lender with West Virginia Housing Development Fund providing our member’s access to their First Time Home Buyers and Movin Up Programs. Those programs also include a Down Payment / Closing Cost Assistance program. 
If you are looking for another option besides for the First time Home Buyer we offer FHA, USDA and VA loans. The FHA loan requires a 3.50% down payment based on your sales price or appraised value whichever is the lower of the two. Our USDA program has income maximums and you must be purchasing a home outside city limits to qualify. The VA loan option can be used for qualifying veterans to either purchase or refinance their current home.

For members who have a down payment of 3%-20% down we also offer conventional mortgage loans for terms up to 30 years.