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Buying a home for the holidays, and hoping for a bargain? Learn the pros and cons of buying a home during the winter months.

Buying a home for the holidays, and hoping for a bargain? Learn the pros and cons of buying a home during the winter months.

Today's West Virginia Mortgage Rates in the HSH Lender Showcase

West Virginia Mortgages

West Virginia is a popular place to search for real estate, not only for its lower housing and living costs but also for its scenic beauty.

If you plan on buying or refinancing a home in the Mountain State--whether it's a vacation home in the Allegheny Mountains or a charming bungalow in Charleston--an experienced mortgage lender can help you interpret today's WV mortgage rates.

Mortgage lenders in the West Virginia are regulated by the West Virginia Division of Banking in Charleston. To get licensed in West Virginia, mortgage lenders must pass a background check, post a bond, and have a credit score greater than 575. To find licensed West Virginia lenders and compare the current WV mortgage rates on offer, check this listing on HSH.com. Mortgage calculators and other research tools can let you see how current West Virginia mortgage rates might affect your mortgage qualification.

West Virginia Conventional Mortgage

A conventional mortgage loan is generally a loan made using private mortgage money and not backed by a government entity, such as FHA, VA or USDA. Conventional mortgages are available in fixed rate and adjustable rate varieties and with a wide range of terms. A conventional loan that meets a number of specific criteria can be sold to Fannie Mae or Freddie Mac and is known as conventional conforming mortgage.

2024 Conforming loan limits for West Virginia

Select County
County Name One Family Two Family Three Family Four Family
Barbour County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Berkeley County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Boone County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Braxton County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Brooke County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Cabell County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Calhoun County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Clay County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Doddridge County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Fayette County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Gilmer County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Grant County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Greenbrier County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Hampshire County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Hancock County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Hardy County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Harrison County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Jackson County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Jefferson County One Family$1,209,750 Two Family$1,548,975 Three Family$1,872,225 Four Family$2,326,875
Kanawha County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Lewis County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Lincoln County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Logan County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Marion County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Marshall County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Mason County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Mcdowell County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Mercer County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Mineral County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Mingo County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Monongalia County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Monroe County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Morgan County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Nicholas County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Ohio County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Pendleton County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Pleasants County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Pocahontas County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Preston County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Putnam County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Raleigh County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Randolph County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Ritchie County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Roane County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Summers County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Taylor County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Tucker County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Tyler County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Upshur County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Wayne County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Webster County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Wetzel County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Wirt County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Wood County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Wyoming County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250

Mortgage Rates by State

Mortgage rates by loan term and type

Today's Mortgage Rates
30-year fixed mortgage rates
15-year fixed mortgage rates
20-year fixed mortgage rates
10-year fixed mortgage rates
5/1 Adjustable Rate Mortgage Rates
7/1 Adjustable Rate Mortgage Rates
10/1 Adjustable Rate Mortgage Rates
VA mortgage rates
FHA mortgage rates
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