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High View, WV

The Best Mortgage Lenders in High View, WV

Compare verified mortgage lenders serving High View, West Virginia. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.

3
Top Lenders
4.3
Avg Rating
372+
Reviews
9
Loan Types

Available Loan Programs in High View

Conventional
FHA
VA
USDA
Jumbo
Refinance
First-time Homebuyer
Construction
Home Equity

Featured Mortgage Lenders

1

First Horizon Bank

First Horizon Bank Mortgage Division

★★★★☆
4.2/5

First Horizon Bank maintains a strong presence in the Eastern Panhandle region with multiple branches serving Berkeley County and surrounding areas including High View. As an established regional financial institution with over two decades of service, they offer personalized mortgage solutions with local decision-making. Their mortgage specialists have extensive knowledge of West Virginia's rural housing programs and USDA loans, which are particularly relevant for High View residents. Customers praise their responsive service and competitive rates for both purchase and refinance transactions.

Experience:25 years
Reviews:89 customer reviews
300 Foxcroft Avenue, Martinsburg, WV 25401

Loan Types:

ConventionalFHAVAUSDAJumboRefinance
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2

Prosperity Home Mortgage

Prosperity Home Mortgage, LLC

★★★★☆
4.4/5

Prosperity Home Mortgage has built an excellent reputation throughout the Eastern Panhandle for their expertise in rural and suburban home financing. Their Martinsburg office specifically serves clients in outlying communities like High View with specialized knowledge of USDA rural development loans that are ideal for this area. With consistently high customer satisfaction ratings, they're known for their transparent process, educational approach with first-time buyers, and ability to close loans efficiently. Their local loan officers have deep community ties and understand the unique aspects of West Virginia's housing market.

Experience:15 years
Reviews:127 customer reviews
510 S. Queen Street, Martinsburg, WV 25401

Loan Types:

ConventionalFHAVAUSDAFirst-time HomebuyerConstruction
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3

Chartway Credit Union

Chartway Credit Union Mortgage Services

★★★★☆
4.3/5

Chartway Credit Union has become a trusted mortgage lender in the Eastern Panhandle region, serving members throughout Berkeley County and surrounding rural areas including High View. As a member-owned financial cooperative, they frequently offer more competitive rates and lower fees than traditional banks. Their mortgage team specializes in helping buyers navigate the unique aspects of West Virginia's rural property market, including well and septic considerations common in High View. Members consistently praise their personalized service, local underwriting, and commitment to community development throughout the region.

Experience:18 years
Reviews:156 customer reviews
1811 Edwin Miller Boulevard, Martinsburg, WV 25401

Loan Types:

ConventionalFHAVAUSDAHome EquityRefinance
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Frequently Asked Questions

Common questions about mortgage lending in High View, WV

Are there any special mortgage programs for first-time homebuyers in High View, WV?

Yes, the West Virginia Housing Development Fund (WVHDF) offers several programs, like the Homeownership Program, which provides competitive fixed-rate mortgages and down payment assistance. These programs are particularly valuable in High View, where median incomes may be lower than state averages, helping local buyers overcome initial cost barriers.

How do property types common in High View, like land or manufactured homes, affect mortgage options?

Financing for land or manufactured homes can be more complex in rural areas like High View. For land loans, you may need a construction loan if building. For manufactured homes, they must be permanently affixed to a foundation and titled as real estate to qualify for conventional mortgages; otherwise, you may need a specialized chattel loan.

What are typical down payment requirements for homes in High View's market?

While 20% down avoids private mortgage insurance (PMI), many buyers in High View utilize programs like USDA Rural Development loans, which offer 0% down payment options for eligible properties and borrowers in this designated rural area. FHA loans with 3.5% down are also common for the area's more modestly priced homes.

Does High View's location in a rural part of West Virginia offer any unique mortgage advantages?

Absolutely. High View qualifies for USDA Rural Development Guaranteed Loans, a significant advantage offering 100% financing, competitive rates, and more flexible credit guidelines. This program is specifically designed to promote homeownership in eligible rural communities like ours.

How does the local High View real estate market, with its limited inventory, impact the mortgage pre-approval process?

In a tight market with few listings, having a strong mortgage pre-approval from a local or regional lender is crucial to make competitive offers. Sellers in small communities often favor buyers who demonstrate solid financing readiness. A pre-approval letter specific to High View's property values shows you are a serious and prepared buyer.

Nearby Cities

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Why Choose a Mortgage Lender in High View?

Local Market Knowledge

Lenders who understand High View'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 High View and get competitive rates on your home loan.