The Best Mortgage Lenders in Belleville, WV
Compare verified mortgage lenders serving Belleville, West Virginia. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Belleville
Featured Mortgage Lenders
WV United Federal Credit Union
WV United Federal Credit Union
WV United Federal Credit Union is one of the most highly-rated mortgage lenders serving the Belleville area, with exceptional customer satisfaction ratings and deep roots in West Virginia communities. While based in Vienna (just 15 minutes from Belleville), they actively serve the entire Mid-Ohio Valley region. Members consistently praise their personalized service, competitive rates, and expertise with various loan programs including VA and USDA loans that are particularly relevant for rural areas like Belleville. Their long history and community-focused approach make them a trusted choice for local homebuyers.
Loan Types:
United Bank
United Bank
United Bank maintains a strong physical presence in the Parkersburg/Vienna area just minutes from Belleville, with multiple branches serving Wood County residents. As one of West Virginia's oldest and most established financial institutions, they offer comprehensive mortgage services with the advantage of local decision-making and personalized attention. Customers highlight their smooth application process, knowledgeable loan officers, and competitive rate options. Their extensive experience with both conventional and government-backed loans makes them well-suited for the diverse needs of Belleville area homebuyers.
Loan Types:
Movement Mortgage
Movement Mortgage, LLC
Movement Mortgage has established a strong reputation in West Virginia with local loan officers serving the Belleville and greater Parkersburg area. While a national lender, they maintain local expertise with dedicated West Virginia-based mortgage professionals who understand the specific needs of rural communities. They receive consistently high marks for their efficient closing process, responsive communication, and competitive rate offerings. Their specialization in various loan types including USDA loans makes them particularly well-suited for the Belleville market, and their digital mortgage platform provides convenience while maintaining personal service.
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Frequently Asked Questions
Common questions about mortgage lending in Belleville, WV
Are there any special loan programs for first-time homebuyers in Belleville, WV?
Yes, West Virginia offers the HOMEownership Down Payment/Closing Cost Assistance Program, which is available to eligible first-time homebuyers in Belleville and across the state. This program can provide up to $10,000 in a deferred, forgivable loan for down payment and closing costs. Additionally, local lenders often work with federal programs like USDA Rural Development loans, which are highly relevant for the Belleville area and require no down payment.
How does Belleville's rural location affect my mortgage options?
Belleville's designation as a rural area opens up valuable mortgage options not available in urban centers. The most significant is the USDA Rural Development Guaranteed Housing Loan, a zero-down-payment program for which most of Wood County, including Belleville, qualifies. This makes homeownership more accessible, especially given the area's more modest median home prices compared to national averages.
What are typical property taxes like for a home in Belleville, and how do they impact my mortgage?
Property taxes in Wood County, where Belleville is located, are relatively low compared to national and state averages. The effective tax rate is approximately 0.58% of assessed value. When you get a mortgage, your lender will calculate an escrow payment for these taxes, adding a manageable monthly amount to your payment, which is a positive factor for overall housing affordability in the area.
Is it difficult to get a mortgage for a manufactured home in Belleville?
While financing for manufactured homes can be more complex, it is certainly available in Belleville. The key is whether the home is on a permanent foundation and classified as real property. Local lenders and credit unions familiar with the area's housing stock, which includes many manufactured homes, can guide you through FHA, VA, or USDA loan options specifically for these property types.
Are local credit unions in the Belleville area competitive for mortgages?
Absolutely. Local institutions like Members Choice Credit Union and other regional banks are often very competitive for mortgages in the Mid-Ohio Valley. They have a strong understanding of the local Belleville real estate market and may offer personalized service and portfolio loan products that larger national banks do not. It's highly recommended to get a quote from a local lender alongside national online lenders.
Nearby Cities
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Why Choose a Mortgage Lender in Belleville?
Local Market Knowledge
Lenders who understand Belleville's housing market can offer better guidance and competitive rates.
Multiple Loan Options
Access to conventional, FHA, VA, USDA, and jumbo loans tailored to your financial situation.
Proven Track Record
Work with lenders who have years of experience and hundreds of satisfied customers in West Virginia.
Ready to Find Your Perfect Mortgage Lender?
Connect with top-rated mortgage professionals in Belleville and get competitive rates on your home loan.