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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