Compare Mortgage Rates in West Virginia – Last updated: January 2026

Home
West Virginia Mortgage Rates

Content reviewed by

Brian McKay

Current West Virginia Mortgage Rates

Homeowners in West Virginia can find 5-Year ARM Jumbo rates as low as 5.250% from a national lender. West Virginia 30-Year Fixed Jumbo mortgage rates today from a local credit union are listed at 6.000% with 0.000 points. Current quotes for 30-Year Fixed mortgages in West Virginia include a 5.875% offer from a local bank. If you are looking for a 15-Year Fixed in West Virginia, we found a mortgage lender's offer of 5.625%.

Find the best mortgage and refinance rates in West Virginia today. Our real-time rate table below compares offers from top lenders to help you secure the lowest interest rate for your home loan. Use our free mortgage calculators to plan your purchase.

The following rates reflect recent market quotes and representative offers available to West Virginia borrowers. Actual mortgage rates may vary by lender, credit profile, and market conditions.

Current Mortgage Rates in West Virginia

• 5-Year ARM Jumbo Mortgage:
5.250%
• 5-Year ARM Jumbo Mortgage:
5.250%
• 15-Year Fixed Mortgage:
5.625%
• 15-Year Fixed Mortgage:
5.625%
• 30-Year Fixed Mortgage:
5.875%

Rates shown are recent market averages and representative quotes. Actual rates may vary.

Types of rates available in West Virginia include conforming mortgage rates, super conforming rates, jumbo rates, adjustable rates, HELOC rates and home equity loan rates. There are variations of each type of mortgage available in West Virginia listed below.

Best Mortgage Rates and Refinance Rates in West Virginia January 2026

Mortgage Rate Comparison

Lender

Product

Rate

APR

Points

M&T Bank

M&T Bank
23 Presidents Street
Fort Ashby, WV 26719

5-Year ARM Jumbo

5.250%

4.635%

0.000

M&T Bank

M&T Bank
23 Presidents Street
Fort Ashby, WV 26719

15-Year Fixed

5.625%

5.896%

0.000

M&T Bank

M&T Bank
23 Presidents Street
Fort Ashby, WV 26719

30-Year Fixed

5.875%

6.086%

0.000

M&T Bank

M&T Bank
23 Presidents Street
Fort Ashby, WV 26719

15-Year Fixed Jumbo

5.750%

6.099%

0.000

M&T Bank

M&T Bank
23 Presidents Street
Fort Ashby, WV 26719

30-Year Fixed Jumbo

6.000%

6.127%

0.000

M&T Bank

M&T Bank
23 Presidents Street
Fort Ashby, WV 26719

5-Year ARM Jumbo

5.250%

4.635%

0.000

M&T Bank

M&T Bank
23 Presidents Street
Fort Ashby, WV 26719

15-Year Fixed

5.625%

5.896%

0.000

M&T Bank

M&T Bank
23 Presidents Street
Fort Ashby, WV 26719

30-Year Fixed

5.875%

6.086%

0.000

M&T Bank

M&T Bank
23 Presidents Street
Fort Ashby, WV 26719

15-Year Fixed Jumbo

5.750%

6.099%

0.000

M&T Bank

M&T Bank
23 Presidents Street
Fort Ashby, WV 26719

30-Year Fixed Jumbo

6.000%

6.127%

0.000

Disclaimer: The Annual Percentage Rates (APRs) and interest rates displayed are estimates based on the specified loan amount and credit profile. Rates are subject to change without prior notice. Points shown are prepaid interest used to lower the rate. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available mortgage products.

Mortgage Loan Options in West Virginia

Navigating the home loan market in West Virginia requires a clear understanding of the diverse financing paths available. Whether you are looking for long-term stability or a low down payment, West Virginia lenders offer several key products tailored to your specific financial profile and homeownership goals.

Common Financing Paths in West Virginia

Choosing the right mortgage can save you thousands of dollars over the life of your loan. Here are the primary options available to residents in the West Virginia area:

West Virginia Fixed-Rate Mortgages: This is the most popular choice for homeowners in West Virginia seeking predictability. With a fixed rate, your interest remains locked for the entire term (typically 15 or 30 years), ensuring your monthly principal and interest payments never change regardless of market fluctuations.
West Virginia Adjustable-Rate Mortgages (ARMs): ARMs often start with a lower "teaser" rate for an initial period—such as 5, 7, or 10 years—before adjusting based on current market conditions. This can be a savvy choice for West Virginia buyers who plan to move or refinance before the first adjustment period begins.
West Virginia FHA Loans: Insured by the Federal Housing Administration, these loans are a vital resource for borrowers in West Virginia with lower credit scores or limited savings for a down payment. FHA guidelines typically allow for down payments as low as 3.5%.
West Virginia VA Loans: Available to veterans, active-duty service members, and eligible surviving spouses, VA loans in West Virginia offer highly competitive rates and often require no down payment and no monthly private mortgage insurance (PMI).

Guidance for First-Time Home Buyers in West Virginia

If you are buying your first home in West Virginia, the process can feel overwhelming. However, West Virginia offers several advantages for first-time buyers. Start by getting a pre-approval from a local lender to determine your true buying power. Lenders will evaluate your debt-to-income ratio and credit history to provide a formal estimate of what you can afford.

Additionally, many first-time buyers in West Virginia overlook closing costs. In addition to your down payment, you should budget approximately 3% to 5% of the home purchase price for taxes, title insurance, and lender fees common in the West Virginia real estate market.

Use Our Mortgage Calculators to Plan Your Purchase

Before committing to a property in West Virginia, it is essential to run the numbers to ensure the mortgage fits comfortably within your monthly budget. We provide a full suite of free tools to help you compare scenarios:

Mortgage Payment Calculator: Estimate your total monthly payment including principal, interest, taxes, and insurance.
Amortization Schedule Calculator: See how your loan balance decreases over time and how much interest you will pay.
Mortgage Refinance Calculator: Determine if refinancing your current West Virginia home loan will result in long-term savings.
Mortgage Qualification Calculator: Find out how much a lender might be willing to lend you based on your income and debts.

How to Compare Mortgage Rates in West Virginia

Analyze the APR, not just the Rate The interest rate is the cost of borrowing money, but the APR (Annual Percentage Rate) includes points and fees. The APR gives you a more accurate picture of the true cost of the loan.
Calculate the Impact of Points Discount points are fees paid upfront to lower your interest rate. Calculate the "break-even" period (cost of points divided by monthly savings) to see if paying points makes sense for how long you plan to stay in the home.
Compare Loan Estimates Don't just look at advertised rates. Request official Loan Estimates from at least three different lenders in West Virginia. These documents standardize costs, making it easier to compare apples to apples.
Check Your Credit Score Your credit score significantly impacts the rate you are offered. Ensure your credit report is accurate before applying, as a higher score can save you thousands over the life of the loan.

Frequently Asked Questions for West Virginia

What are the current mortgage rates in West Virginia? ▼

Below is a list of current mortgage rates available for West Virginia. We track lenders daily to provide the most up-to-date interest rates, APRs, and point costs.

Lender / Product

Rate

APR

M&T Bank

5-Year ARM Jumbo

5.250%

4.635%

M&T Bank

5-Year ARM Jumbo

5.250%

4.635%

M&T Bank

15-Year Fixed

5.625%

5.896%

M&T Bank

15-Year Fixed

5.625%

5.896%

M&T Bank

30-Year Fixed

5.875%

6.086%

Lender / Product

Rate

APR

M&T Bank

30-Year Fixed

5.875%

6.086%

M&T Bank

15-Year Fixed Jumbo

5.750%

6.099%

M&T Bank

15-Year Fixed Jumbo

5.750%

6.099%

M&T Bank

30-Year Fixed Jumbo

6.000%

6.127%

M&T Bank

30-Year Fixed Jumbo

6.000%

6.127%

What is a conforming mortgage in West Virginia? ▼

A conforming mortgage meets the dollar limits set by the Federal Housing Finance Agency (FHFA). These loans can be purchased by Fannie Mae and Freddie Mac, which typically results in lower interest rates compared to jumbo loans.

What is a jumbo loan in West Virginia? ▼

A jumbo loan is a mortgage that exceeds the conforming loan limits set by the FHFA. Because these loans cannot be sold to Fannie Mae or Freddie Mac, lenders take on more risk, often resulting in slightly higher interest rates or stricter credit requirements.

What are FHA loans? ▼

FHA loans are mortgages insured by the Federal Housing Administration. They are popular among first-time buyers because they allow for lower credit scores and smaller down payments. FHA rates are often competitive because the government guarantee reduces the lender's risk.

What factors affect mortgage rates in West Virginia? ▼

Mortgage rates in West Virginia are influenced by national economic trends, the Federal Reserve's monetary policy, and inflation. On a personal level, your credit score, down payment amount, and debt-to-income ratio will significantly impact the rate you are offered.

Is now a good time to refinance in West Virginia? ▼

Refinancing in West Virginia can be beneficial if current rates are lower than your existing mortgage rate, or if you want to shorten your loan term. Consider the closing costs and how long you plan to stay in the home to ensure the break-even point makes financial sense.

What is the difference between a fixed-rate and adjustable-rate mortgage? ▼

A fixed-rate mortgage maintains the same interest rate for the entire life of the loan, providing predictable monthly payments. An adjustable-rate mortgage (ARM) has a rate that can change after an initial fixed period, which might result in lower initial payments but carries the risk of rate increases later.

How does my credit score affect my mortgage rate? ▼

Your credit score is a major determinant of your mortgage rate. Borrowers with higher credit scores (typically 760 and above) qualify for the lowest rates, while those with lower scores may pay higher interest rates to offset the lender's risk.

What are mortgage points? ▼

Mortgage points, or discount points, are fees paid directly to the lender at closing in exchange for a reduced interest rate. One point costs 1% of your mortgage amount. Paying points can save you money over the long term if you plan to keep the mortgage for many years.

Are there specific loan programs for first-time buyers in West Virginia? ▼

Yes, many lenders in West Virginia offer programs for first-time buyers, including FHA loans which require lower down payments and credit scores. Additionally, there may be state-specific grants or down payment assistance programs available in West Virginia.

Cities in West Virginia

Amherstdale-Robinette

Berkeley Springs

Camden On Gauley

Charlton Heights

Fraziers Bottom

Gallipolis Ferry

Green Sulphur Springs

Keslers Cross Lanes

New Martinsville

Shenandoah Junction

Webster Springs

White Sulphur Springs

Windsor Heights

Rates & Resources

West Virginia Savings Rates West Virginia CD Rates