Home Loans

Affordable and Competitive Home Loans

If you are looking to purchase a home, refinance your current home, or make your home more energy efficient, safe, or to accommodate a family member’s medical issue, the HomeOwnership Center can help get you started on the right path for lasting financial and homeownership success. We offer a wide range of loan options to individuals of any income level and are fully equipped to provide you and your family customized service to help you meet your specific goals.

The HomeOwnership Center helps first time home buyers with home loans in West Virginia.

Whether you are a first time home buyer struggling to find all the options available to you or a long time home owner looking to relocate or refinance, we can help. If you have been turned down by a traditional mortgage lender and would like assistance getting a home loan or receiving support to get your finances and credit in order to own a home in the future, we have programs that may help you.

Helping Families in North Central West Virginia Become Home Owners

For over 15 years we have helped local families in our eight county service area of Barbour, Lewis, Pendleton, Pocahontas, Randolph, Tucker, Upshur, and Webster streamline the home buying process through expert advice and easy to understand loan options. We specialize in simplifying this often confusing process from start to finish. For many individuals and families, the home buying process can feel overwhelming. Many customers would like to speak to an expert before they even begin. We offer the opportunity to have someone on your side from the very beginning working with you toward your goals with your best interest in mind. You are not going to find that customer focused service and dedication at traditional mortgage or lending institutions. We are there for you step by step to fully explain every option and assist with any special services you may qualify for.

A Wide Variety of Traditional and Specialty Home Loans Available for All Income Levels

Traditional Home Mortgage Options

If you are considering purchasing your first home, looking to move into a larger home to accommodate a growing family, or are downsizing, our traditional mortgage options may be the perfect fit for you. Our partnerships with a wide range of lending agencies allow us to offer competitive rates and specialty services not available anywhere else, regardless of income level.

Refinancing your Home with the HomeOwnership Center

If you are not completely satisfied with your current home loan option, or if financial situations have you contemplating refinancing for a more affordable rate or payment, the HomeOwnership Center’s refinancing loans may be the perfect fit for your goals and budget.

Home Repair Loan Options for Residents in North Central WV

Perhaps you are spending too much money on a non-energy efficient home and need to make some upgrades. Or maybe a family member needs special adjustments made to your home to accommodate age or a physical issue. If you are looking at loan options to enable you to repair your home for health, safety, accessibility, or weatherization, we can help.

Assisting Veterans with Specialized Home Loan Services

The HomeOwnership Center respects and appreciates all the sacrifice and dedication that our community veterans have provided to our nation. We are proud to offer specialty services with these individuals and their families in mind. For more information on our VA loans, be sure to give us a call.

First Time Home Buyers Get Customized and Personalized Attention at the HomeOwnership Center

Navigating the road toward home ownership can be daunting. At the HomeOwnership Center, our staff is experienced with assisting first time home buyers with all the resources they need to make the best decision for their current situation as well as their future. Our dedicated staff will help streamline the home buying process enabling you to have a stress free experience. Helping you become a successful first time home buyer is simply what we do.

Specialized Mortgage Options help Limited Income Families become Home Owners in North Central WV

For many families the desire to own their own home feels like a far off dream. At the HomeOwnership Center, we empower individuals and families who have been turned down in the past, or worry that their income won’t be enough to own a home, to explore all their options. The HomeOwnership Center has options that many traditional lending companies and banks do not have available. For more information on how our services may work for you, stop by or give us a call.

Down Payment Assistance Proves Valuable to First Time Homebuyer Families

Coming up with enough money to place a down payment on a home can feel overwhelming for many families. These families know that they will be able to make a mortgage payment after the initial down payment, but they just cannot overcome this hurdle. At the HomeOwnership Center, we provide down payment assistance to families and individuals who qualify. Let us help you make your dream of owning a home a reality.

Federal Housing Administration Home Loans Offer Unique Opportunities for Home Buyers

If you are looking for a home loan with less strict requirements, lower down payment, and more affordable interest rates and payments, then a FHA Home Loan may be the perfect fit for you and your family if you qualify. We help families explore all available options and can help you find the best loan to meet your needs.

USDA Guaranteed and Direct Loans for Moderate and Low-Income Families

For some moderate and low-income families, these programs are perfect solutions to make owning a home a reality. Lower interest rates and payment options, combined with generous income guidelines, mean these unique programs have helped many people in communities throughout the United States realize their dream. For more information on how to qualify and to discuss all your home loan options, contact us today.