The Best Mortgage Lenders in Evans, WV
Compare verified mortgage lenders serving Evans, West Virginia. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Evans
Featured Mortgage Lenders
United Bank Mortgage Team
United Bank
United Bank stands as one of the most established and highly-rated regional mortgage lenders serving the Evans, WV area through their nearby Vienna location. With over two decades of experience and exceptional 4.8-star ratings, they offer comprehensive mortgage solutions including specialized USDA loans ideal for rural areas like Evans. Their strong community presence, competitive rates, and personalized service make them a top choice for local homebuyers seeking reliable financing with a regional bank that understands West Virginia's unique market dynamics.
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Clear Mountain Bank Mortgage Division
Clear Mountain Bank
Clear Mountain Bank has built an outstanding reputation as a community-focused mortgage lender with strong presence in the Evans area through their Vienna branch. Their 4.7-star rating reflects consistent customer satisfaction with their mortgage services. Specializing in both purchase and refinance loans, they excel at providing personalized guidance through the entire mortgage process. Their expertise with USDA rural development loans makes them particularly valuable for Evans residents, and their local decision-making capability ensures efficient loan processing and closing.
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Union Home Mortgage Corp.
Union Home Mortgage
Union Home Mortgage maintains a strong regional presence serving the Evans market with excellent 4.6-star ratings and nearly two decades of mortgage lending experience. As a dedicated mortgage company rather than a traditional bank, they bring specialized expertise and competitive rates to the table. Their loan officers have extensive knowledge of West Virginia's rural housing market and excel at navigating USDA and FHA loan programs that benefit Evans area homebuyers. Their commitment to customer education and transparent communication throughout the mortgage process has earned them consistent high marks from local clients.
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Frequently Asked Questions
Common questions about mortgage lending in Evans, WV
Are there any special mortgage programs for first-time homebuyers in Evans, WV?
Yes, West Virginia offers the HOMEownership Down Payment/Closing Cost Assistance Program, which is available statewide, including in Evans. This program provides up to $10,000 in a 0% interest, deferred loan for down payment and closing costs to eligible first-time buyers. Additionally, the West Virginia Housing Development Fund (WVHDF) offers competitive first-time homebuyer loans with below-market interest rates.
How do property values and appraisals work in a small, rural area like Evans?
Due to Evans' rural nature and lower population density, comparable property sales ("comps") can be limited, which may sometimes complicate the appraisal process. Lenders familiar with the area will work with appraisers who understand the local market, where property values are influenced more by land size, condition, and specific location rather than high-volume neighborhood sales. This can require more time and a specialized local appraisal.
What are typical mortgage rates and lender options for someone buying in Evans?
While national rates apply, Evans homebuyers often work with regional banks, local credit unions, or mortgage brokers who understand the rural market. Rates are generally competitive, but loan options may be slightly more limited compared to urban areas. It's advisable to check with institutions like City National Bank, local credit unions, and the WVHDF, as they are experienced with properties in Wetzel County.
Does buying a home in Evans, WV, come with any unique property or loan considerations?
Yes, a significant consideration is the prevalence of properties that use well water and septic systems instead of public utilities. Lenders will often require specific water tests and septic inspections as a condition for the loan. Additionally, if the property is considered very remote, some conventional loan programs might have restrictions, making USDA Rural Development loans a particularly attractive and common option in the area.
Is a USDA Rural Development loan a good option for Evans, and do I qualify?
USDA loans are an excellent option for most of Evans, as the entire area is eligible for USDA's rural housing programs. These loans offer 100% financing (no down payment) and competitive rates, which is highly advantageous for buyers in this market. Income limits apply, but for Wetzel County, these limits are generous enough that many moderate-income households in Evans can qualify.
Why Choose a Mortgage Lender in Evans?
Local Market Knowledge
Lenders who understand Evans'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 Evans and get competitive rates on your home loan.