West Virginia Housing Development Fund

06/26/2026

For first-time buyers, the mortgage process may seem overwhelming and scary. It doesn't have to be! Experienced loan professionals will be by your side every step of the way to guide you, answer questions, and help you be successful.

Our Mortgage Loan Process guidebook, available in the Single-Family Programs and Resources section of our website, walks you through the process from start to finish. Download and read the guidebook to understand the terminology and learn what to expect at each step as you move from home buyer to homeowner.

06/24/2026

Affordable Housing Spotlight: Union Place

Union Place in Monroe County is another example of how the Fund works with partners to update and renovate affordable housing developments in rural counties. The 24 units comprising Union Place were in need of renovations to keep the homes safe and energy efficient for the families who live there.

Now, thanks to funding from the HOME Investment Partnerships Program, the Low-Income Housing Tax Credit Program, and WVHDF's Multifamily Loan Program, these units have new systems, updated fixtures, and extended affordability for years to come.

To find a property in your area, visit our website to search the Affordable Rental Properties database. Each entry includes contact information for the property manager who can answer your questions about rent costs, unit availability, amenities, and the application process.

06/24/2026

Whether you rent or own, your housing costs should not take up more than 30% of your income. For many people, that means renting may be the better financial option. Not everyone wants to or should buy a home, and that's ok! What matters is that you live in a place where you feel safe with housing costs you can reasonably afford.

06/23/2026

We're sorry to see more flooding throughout West Virginia caused by recent rains. WV211 shares excellent damage assessment, cleanup, and recovery tips below. If you need help finding local resources, contact 211 for information and assistance.

💧 If your home or property experienced flooding from recent rains, keep safety first as you begin cleanup and recovery.

Before returning to affected areas, be aware of potential hazards, document any damage, and take steps to protect yourself and your family. These simple post-flood recovery tips can help you recover safely and avoid additional damage.

Need help finding local resources? Call 2-1-1 for information and assistance.

06/23/2026

Mortgage delinquency counseling can help you avoid foreclosure. The Fairmont-Morgantown Housing Authority is just one of several HUD-certified housing counselors that offer mortgage delinquency assistance to West Virginia homeowners.

If you need help staying on top of your mortgage payments or you've received a foreclosure notice from your loan servicer, visit the Single-Family Programs and Resources section of our website to see the list of counseling agencies serving West Virginia. Homeowners who have their loans through the West Virginia Housing Development Fund can visit the website's Current Customers section and click Help for Homeowners to learn more about mortgage assistance.

Missing mortgage payments or worried about falling behind? Don't wait until foreclosure becomes a possibility. The sooner you seek help, the more options may be available.



Our Foreclosure Intervention Counseling services are free and confidential. A HUD-certified Housing Counselor can work with you to:

• Review your financial situation and budget
• Explain your options for avoiding foreclosure
• Communicate with your mortgage servicer
• Discuss repayment plans, loan modifications, forbearance options, and other loss mitigation programs
• Develop an action plan based on your specific situation



Many homeowners wait too long to ask for help. If you've experienced a loss of income, increased expenses, illness, divorce, or another financial hardship, now is the time to reach out.



You do not have to face this alone.



Contact the Homeownership Center today to schedule an appointment:

📞 304-363-0860 ext. 129
📧 [email protected]



Early action can make a difference. Let's explore your options together.

06/22/2026

Renters: If you have questions about your rights or need help navigating legal issues, see info from Legal Aid of West Virginia.

Do you have questions about rental housing? Not sure where to start? Renters Rights WV has a lot of info plus a quiz to help you find out where resources are on the site that might address your problem!

https://legalaidwv.org/renters-rights-west-virginia/

06/19/2026

Fund offices and call centers are closed today in observance of West Virginia Day. We will reopen at 8:30 a.m. Monday, June 22.

Our website is always open! Visit us online to explore our programs, make your payment, and more!

06/18/2026

Understanding your finances is a key part of preparing for homeownership. When you apply for a mortgage, your loan officer will ask for documents such as your bank statements, pay stubs, and tax records to get a clear picture of what you earn versus what you spend. You'll need to clearly demonstrate you have the capacity to take on a mortgage loan and make on-time, consistent payments for the next 30 years.

If you haven't already, you should begin to track your income, including money you earn from any side hustles or odd jobs, as well as your expenses. If you spend more than you make, look at where you can cut back or how you can increase earnings. Establish a budget and stick to it.

As a homeowner, you'll be responsible for maintenance and upkeep, repairs, taxes, insurance, and all utilities, in addition to your mortgage payment. If you think homeownership is in your future, you should begin preparing now so you're not caught off guard later.

HUD-certified housing counselors can help you get your finances in order and prepare for homeownership. Visit the Single-Family Programs and Resources page on our website to see a list of counseling agencies serving West Virginia.

06/17/2026

Great opportunity for contractors and construction workers to make a real difference for lower-income homeowners!

Are you a contractor looking to put your skills to work in the community?

Our partners at Rebuilding Together Charleston are seeking qualified contractors to assist with home repair and rehabilitation projects for local homeowners.

Projects may include accessibility modifications, carpentry, roofing, plumbing, electrical work, and other critical repairs that help residents remain safely in their homes.

If you're interested in learning more about upcoming opportunities, contact Rebuilding Together Charleston directly.

Please help us share with contractors and skilled trades professionals who may be interested.

06/16/2026

This is the perfect photo to use to let you know that our offices and call centers will be closed Friday, June 19, in observance of West Virginia Day.

Thanks to Berkeley Springs, WV for sharing this incredibly beautiful photo of Mountain Mama!

No caption needed. This photo says it all.