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Home - West Virginia Central Credit Union

Home Mortgage Loans


Your home is an important investment. Whether you’re ready to buy a home for the first time, or need to refinance your existing home at a better rate, WV Central has loans tailored to fit your needs. 

  • Low, fixed interest rates
  • Terms up to 20 years
  • No prepayment penalties
  • Affordable closing costs
  • Local decision-making for quick approvals
  • FREE up-to-the minute information online, anytime – including current balances, transaction history, payment due dates, and more – when you sign up for online banking
  • FREE automatic loan payments from your WV Central checking or savings account for the ultimate in convenience.

Additional Mortgage Products

We also offer the following programs:                                                                    

  • Federal Housing Administration (FHA)
  • United States Department of Agriculture (USDA)
  • Veterans Affairs (VA)
  • West Virginia Housing Development Fund

Note: The Mortgage Packet requires Adobe Acrobat Reader. Download and install your free version now.

Note: If you would like to download and print a paper copy,  please download the following forms: 

Mortgage ApplicationCo-Borrower ApplicationUnMarried  ApplicationAdditional Information Form


*There are multiple payment options available that do not entail any fees. For detailed information about all the available choices, kindly get in touch with our credit union staff. However, there are certain fees associated with making a Convenience Payment through 3rd Party services, such as $4.99 for ACH payments and $6.99 for debit card payments, which are not reoccurring. Fee amounts may change without notice. If you decide to use the Convenience Payment through our 3rd party, the 3rd party will charge a fee every time you make a payment when using the 3rd party service payment provider, except as limited by applicable law.