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West Virginia Mortgage Rates

Updated: May 29, 2024

Compare today's rates for Mortgage Refinance in WV

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Mortgage rates for West Virginia go down to 3.00%

Wednesday, May 29, 2024

Mortgage rates for West Virginia on Lender411 for 30-year fixed-rate mortgages are at 3.00%. That dropped from 3.00% to 3.00%. The 15-year fixed rates are now at 2.56%. The 5/1 ARM mortgage for West Virginia is now at 4.56%.

If you are looking for information on West Virginia mortgage or refinance rates, you’ve come to the right place. Finding the lowest rates is easy when you have access to our vast network of trusted mortgage professionals in West Virginia. Talk to mulitple mortgage lenders in WV to compare rate quotes and understand your options.

West Virginia scenery

West Virginia Mortgage Refinance

Why is it critical to find the lowest rate when refinancing?  Simply put, this is the entire goal of a refinance.  The lower your new rate, the more money you’ll save. While there are many ways to secure a refinance loan, the best option is the no cost refi, which allows you to switch to a new mortgage with a lower rate without paying the fees associated with closing a new loan.

Home Loans in West Virginia

The loan types available in West Virginia are much like those available elsewhere. One of the most widely available mortgage loan types is the 30 year fixed rate mortgage. As the name implies, this loan comes with a fixed interest rate. This is considered the most financially sound mortgage by many borrowers. Some opt for the 15-year fixed option.

The adjustable rate mortgage (ARM) is another common loan type.  You can also pursue a jumbo loan, interest only loan, balloon mortgage, or other specialized loan type.  Whether or not one of these loans fits you will depend entirely on your needs and the requirements of your lender. Government backed loans, such as the FHA loan and the VA loan, are available to those who qualify.

About West Virginia

West Virginia is a lovely state in the Appalachian sector of the U.S.  West Virginia famously broke away from Virginia during the Civil War. The state carries influence from the South, Midwest, and Mid Atlantic.

West Virginia boasts amazing natural beauty, and many people come to West Virginia just for the sites and outdoor recreation opportunities. West Virginia has many areas of protected lands, including Harpers Ferry National Park and George Washington National Forest. The state experiences humid, hot summers and cold winters.

Coal mining and logging helped shape West Virginia's early economy. Coal is still a major fixture in the economy, but other things have become prominent as well. West Virginia is a popular place for Appalachian and bluegrass music. If you appreciate history and want to live in a state with breathtaking scenic views, consider becoming a homeowner in West Virginia.

To learn more about homeownership in West Virginia or research WV home buying programs, visit the West Virginia HUD portal.

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