Secure a VA Mortgage in West Virginia

Veterans who live in the state of West Virginia can purchase homes or refinance their mortgages through the West Virginia VA loan program, which helps veterans transition into successful homeownership.  All VA loans are backed by the Department of Veteran Affairs (VA).

Jump to: Eligibility | Loan Limits

What is the VA Loan?

The VA loan program helps veterans purchase homes and remain in them long term.  The men and women who have served this nation deserve as many opportunities for finical success and stability as we can give them.  Private lenders who work with veterans are able to give these clients lower rates and more favorable, valuable terms.  This is possible because the VA guarantees all loans made to qualified veterans.

VA Loan Benefits in West Virginia

Some of the most valuable and most common advantages to VA loans are listed below.

• No early repayment penalties at any point during the loan.
• No private mortgage insurance required.
• High credit not needed.  You don’t have to prove high income, either.
• No down payment required.  You can buy your new home without putting any money on the table in the form of a down payment.
• Closing costs can be included in the loan amount.

VA Loan Requirements and Eligibility

Eligibility for the VA loan program is determined based on your veteran status.  If you served for 90 days of consecutive active duty and you weren’t discharged on a dishonorable note, you’ve met the basic qualifications for a VA loan.  If you meet these qualifications, you can obtain a certificate of eligibility from the VA office and contact a VA loan specialist to help you with your loan. Remember that other qualifications will apply, including having at least a 620 credit score. 

VA Refinance

If you have a mortgage currently, you can refinance it through a hassle-free, West Virginia VA Streamline refinance.  This can save you a lot of money by lowering your monthly payment.  Over the course of your loan, you may even be able to pay off your loan much faster.

Another option is the VA Cash-Out refinance, which enables borrowers to access up to 100% of their home equity to be spent on medical bills, home improvements, tuition, and more. 

West Virginia VA Mortgage Rates

Mortgage rates move up and down depending on the state of the economy and the area where you’re planning to borrow the money.  Talk to as many different lenders as possible to find out what mortgage rates are offered in your part of West Virginia.  Compare mortgage rates between the lenders you talk to.

VA Lenders in West Virginia

Fill out the form above to get in touch with up to four local lenders in West Virginia.  You’ll need to check up on VA loan limits in your area.  Find out more information from the Department of Veteran Affairs.

West Virginia Military Information

There are no major military bases in West Virginia, but many veterans live here and many of them have purchased homes.  If you would like to purchase or refinance a home in West Virginia, consider a VA loan.

VA Loan Lending Limits in West Virginia

Below is the list of the maximum VA loan limits for counties in West Virginia:

County	Loan Limit
BARBOUR	$417,000
BERKELEY	$417,000
BOONE	$417,000
BRAXTON	$417,000
BROOKE	$417,000
CABELL	$417,000
CALHOUN	$417,000
CLAY	$417,000
DODDRIDGE	$417,000
FAYETTE	$417,000
GILMER	$417,000
GRANT	$417,000
GREENBRIER	$417,000
HAMPSHIRE	$417,000
HANCOCK	$417,000
HARDY	$417,000
HARRISON	$417,000
JACKSON	$417,000
JEFFERSON	$625,500
KANAWHA	$417,000
LEWIS	$417,000
LINCOLN	$417,000
LOGAN	$417,000
MCDOWELL	$417,000
MARION	$417,000
MARSHALL	$417,000
MASON	$417,000
MERCER	$417,000
MINERAL	$417,000
MINGO	$417,000
MONONGALIA	$417,000
MONROE	$417,000
MORGAN	$417,000
NICHOLAS	$417,000
OHIO	$417,000
PENDLETON	$417,000
PLEASANTS	$417,000
POCAHONTAS	$417,000
PRESTON	$417,000
PUTNAM	$417,000
RALEIGH	$417,000
RANDOLPH	$417,000
RITCHIE	$417,000
ROANE	$417,000
SUMMERS	$417,000
TAYLOR	$417,000
TUCKER	$417,000
TYLER	$417,000
UPSHUR	$417,000
WAYNE	$417,000
WEBSTER	$417,000
WETZEL	$417,000
WIRT	$417,000
WOOD	$417,000
WYOMING	$417,000

Lenders in: West Virginia.