WVHDF Homeownership Program

WVHDF Homeownership Program es una primera hipoteca para compradores de vivienda en West Virginia, a cargo de West Virginia Housing Development Fund (WVHDF). The WVHDF Homeownership Program is the Fund's signature first-mortgage program, primarily targeting lower-income first-time home buyers and generally offering the Fund's lowest interest rates. These 30-year, fixed-rate loans can finance up to 100% of the home's purchase price and provide access to the Fund's Low Down Home Loan down payment/closing cost assistance. Income and sales-price limits vary by county, and the first-time buyer requirement is waived in federally targeted counties. Lowest WVHDF interest rates. 30-year fixed-rate first mortgage. Up to 100% financing of purchase price. Access to the Low Down Home Loan (up to $15,000 at 2% for down payment/closing costs). Accepts FHA, VA, USDA, and conventional/PMI loans. First-time buyer requirement waived in targeted counties. Los fondos provienen de Tax-exempt mortgage revenue bonds issued by WVHDF.

WVHDF Homeownership Program es una primera hipoteca y se reembolsa según los términos que fija West Virginia Housing Development Fund (WVHDF). La ayuda se registra con un gravamen en posición first. Los términos de condonación y reembolso los fija el programa y pueden cambiar; confírmalos en la página oficial del programa antes de presentar la solicitud.

WVHDF Homeownership Program está abierto a compradores de vivienda por primera vez y compradores de vivienda que vivirán en la vivienda como su residencia principal. “Primera vez” tiene excepciones aquí: In federally targeted counties, the three-year prior-ownership prohibition does not apply (first-time buyer requirement waived). The first-time buyer requirement applies only in non-targeted counties. Former/current primary residence ownership is allowed with some Fund loans; borrowers should consult a loan officer. Sobre el crédito, el programa indica: No published hard minimum; generally a score in the low- to mid-600s can be acceptable, but multiple factors impact qualification. Borrowers should complete a pre-qualification with a loan officer. Se requiere un curso de educación para compradores de vivienda, a través de Homebuyer Education/Counseling is required on conventionally insured or uninsured loans (free interactive course via Fannie Mae HomeView at fanniemae.com/education). On government-insured loans (FHA, VA, USDA), follow the insuring agency's homebuyer education guidelines. HUD-certified counseling agencies are also available. Requisito de residencia: Home must be purchased in West Virginia. Federal recapture tax may apply (9-year period). Cosigners not permitted. Lot size must be 5 acres or smaller. Only doublewide (no singlewide) manufactured homes eligible. Construction financing not available (permanent financing of new builds only). Min credit score, max DTI, max liquid assets, rate lock period, points/fees, and annual funding cap were not published on official sources and are left blank. Exact per-county income figures by household size are in the official limits PDF; the current 4-person figure was not separately broken out by household size on the source, so income_limit_amount reflects the most common county income limit ($57,040) rather than a confirmed 4-person value.

WVHDF Homeownership Program limita el ingreso del hogar a $57,040. El límite se aplica al ingreso total del hogar, no solo al del prestatario. Las cifras del ingreso mediano del área las publica HUD y se actualizan cada año, así que consulta la tabla vigente del condado antes de basarte en una cifra.

WVHDF Homeownership Program limita el precio de compra a $350,000. Los tipos de propiedad elegibles incluyen single-family detached, townhome, condominium (approved), unit in approved Planned Unit Development (PUD) y doublewide manufactured home (post-1976). La construcción nueva es elegible. Las viviendas prefabricadas son elegibles.

WVHDF Homeownership Program menciona a veteranos entre los grupos a los que atiende. Aparecer aquí significa que el programa menciona al grupo, no que pertenecer a él baste por sí solo para que un solicitante califique; las demás reglas de elegibilidad siguen aplicándose.

WVHDF Homeownership Program atiende a compradores de vivienda que compran en cualquier lugar de West Virginia. El programa se dirige a áreas específicas: WVHDF designates federally targeted counties where the first-time homebuyer (3-year prior ownership) requirement is waived. Targeted counties per the 2025-26 limits PDF include: Braxton, Calhoun, Clay, Doddridge, Fayette, Gilmer, Grant, Hampshire, Hardy, Jackson, Lewis, Lincoln, Logan, McDowell, Mineral, Mingo, Monroe, Nicholas, Pendleton, Pleasants, Pocahontas, Preston, Randolph, Ritchie, Roane, Summers, Taylor, Tucker, Tyler, Upshur, Wayne, Webster, Wetzel, Wirt, Wyoming.

Las solicitudes de WVHDF Homeownership Program se tramitan a través de West Virginia Housing Development Fund (WVHDF), que publica los términos vigentes y los pasos de la solicitud en su propio sitio. Los fondos se reservan a través de Loans are reserved/locked by WVHDF Partner Lenders through the PowerLender system (wvhdf.powerlender.com). Hey Prescott no es un prestamista y no acepta solicitudes; esta página describe el programa para que un comprador de vivienda pueda llevarlo a un prestamista o a un asesor de vivienda.