Last Updated: 04/18/2025
West Virginia Central FCU Home Mortgage Loans
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Last Updated: 04/18/2025
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Highlights
Credit Score Range
N/A
Amount Range
N/A
Loan Term (Years)
Up to 30
West Virginia Central FCU Home Mortgage Loans Review
West Virginia Central FCU Home Mortgage Loans is offered by West Virginia Central Federal Credit Union (NMLS #746904), a credit union founded in 1969 and based in Parkersburg, WV. West Virginia Central FCU Home Mortgage Loans are available in 50 states and Washington, DC.
Key Takeaways
- Wide selection of mortgage programs offered. West Virginia Central FCU Home Mortgage Loans offers FHA, USDA, VA, conforming, and conventional mortgages.
- Specializes in multi-family properties. Only offers mortgages for multi-family properties, but not for single-family homes or manufactured homes.
- Investment and personal use properties considered. Financing available for primary homes, vacation homes, and even investment homes, such as rental properties.
- No-closing-cost mortgages available. This option allows you to include the closing costs into the new loan, so you don't pay for these expenses upfront.
- Charges a prepayment fee. This means you will be charged an additional fee if you repay the mortgage early.
- Maximum LTV. West Virginia Central FCU Home Mortgage Loans has a maximum loan to value ratio of 80%.
West Virginia Central FCU Home Mortgage Loans Pros & Cons
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West Virginia Central FCU Home Mortgage Loans FAQ
What is the maximum loan term you can get with West Virginia Central FCU Home Mortgage Loans?
West Virginia Central FCU Home Mortgage Loans offers mortgages with a maximum term of 30 years. Having the option of longer terms allows borrowers to take on larger loan amounts while keeping monthly payments more affordable. However, the longer the term of your loan, the more interest you will pay.
What mortgage rates does West Virginia Central Federal Credit Union offer?
Mortgage rates change daily based on market conditions and vary significantly depending on the loan type and the length of the term. For instance, fixed rate mortgages will typically have a higher interest rate than mortgages with variable rates, and jumbo loans usually have higher mortgage rates than conforming conventional loans. Find the best interest rate available to you by getting quotes from three or more mortgage lenders before choosing a home loan.
Do they charge mortgage origination fees?
Yes, West Virginia Central FCU Home Mortgage Loans may charge a loan origination fee .
What mortgage programs are available?
Besides conventional mortgages, West Virginia Central FCU Home Mortgage Loans offers the following mortgage types:
- FHA loans: FHA loans are mortgages insured by the FHA. They offer competitive mortgage rates and have less stringent eligibility requirements. However, borrowers must pay a mortgage insurance premium. For instance, you can apply for an FHA loan with a credit score as low as 580. Co-applicants are allowed and you can qualify for a down payment as low as 3%.
What property usage types does West Virginia Central FCU Home Mortgage Loans allow?
Some mortgage lenders restrict the type of usage borrowers give mortgaged properties. West Virginia Central FCU Home Mortgage Loans allows the following property usage types:
- Primary home
- Secondary homes and vacation properties
- Investment properties and house flipping projects
What is the customer service phone number?
The customer service number for West Virginia Central FCU Home Mortgage Loans is (304) 485-4523.
What is the support contact email?
The support contact email for is service@wvccu.org.
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Hours of Operation
Sunday
Closed
Monday
8:30AM - 4:30PM
Tuesday
8:30AM - 4:30PM
Wednesday
8:30AM - 4:30PM
Thursday
8:30AM - 4:30PM
Friday
8:30AM - 5:30PM
Saturday
8:00AM - 12:00PM