West Virginia Home Mortgage Loan Rates
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$150,000 West Virginia Home Mortgage Loan for Under $720/Month!*
*The $706.25 monthly payment is an interest-only payment for two years, based on a $150,000 loan amount with a buydown at the cost of 1 point and a 24-month prepayment penalty for a 30-year, two-year Adjustable Rate Mortgage at 5.65% and 6.14% Annual Percentage Rate. Following the two-year fixed-rate period, the rate will adjust annually. The principal and interest payment after the initial 2-year interest only period is $889.85. To qualify for this monthly payment, borrower must have a FICO score of 650 or greater and the loan-to-value ratio must not exceed 80%. Rate is variable and subject to change daily without notice.
$30,000 West Virginia Home Mortgage Loan for Under $185/Month!*
*The payment for the first monthly billing period is based on a loan amount of $30,000 with an introductory 3.99 Annual Percentage Rate. Following the first monthly billing period, the minimum monthly payment is $184.38 and is an interest-only payment that changes based on the outstanding balance and variable rate for the remainder of the 5 or 10 year draw period. After the draw period, the remaining balance converts to a principal and variable interest payment which is paid off over 15 years. The terms above assume a combined loan-to-value ratio of 70% or less, and are available on single-family owner-occupied homes only. The variable interest payment is based on the Prime Rate as published in The Wall Street Journal, plus a margin. The amount of the margin ranges from 0 to 6.50%. Maximum possible Annual Percentage Rate is 18%. Rate is variable and subject to change daily without notice.
$160,000 West Virginia Home Mortgage Loan for Under $785/Month!*
*The $753.33 monthly payment is an interest-only payment for two years, based on a $150,000 loan amount with a buydown at the cost of 1 point and a 24-month prepayment penalty for a 30-year, two-year Adjustable Rate Mortgage at 5.65% and 6.14% Annual Percentage Rate. Following the two-year fixed-rate period, the rate will adjust annually. The principal and interest payment after the initial 2-year interest only period is $923.58. To qualify for this monthly payment, borrower must have a FICO score of 650 or greater and the loan-to-value ratio must not exceed 80%. Rate is variable and subject to change daily without notice.
$175,000 West Virginia Home Mortgage Loan for Under $860/Month!*
*The $823.96 monthly payment is an interest-only payment for two years, based on a $150,000 loan amount with a buydown at the cost of 1 point and a 24-month prepayment penalty for a 30-year, two-year Adjustable Rate Mortgage at 5.65% and 6.14% Annual Percentage Rate. Following the two-year fixed-rate period, the rate will adjust annually. The principal and interest payment after the initial 2-year interest only period is $1,010.16. To qualify for this monthly payment, borrower must have a FICO score of 650 or greater and the loan-to-value ratio must not exceed 80%. Rate is variable and subject to change daily without notice.
$40,000 West Virginia Home Mortgage Loan for Under $246/Month!*
*The payment for the first monthly billing period is based on a loan amount of $40,000 with an introductory 3.99 Annual Percentage Rate. Following the first monthly billing period, the minimum monthly payment is $245.83 and is an interest-only payment that changes based on the outstanding balance and variable rate for the remainder of the 5 or 10 year draw period. After the draw period, the remaining balance converts to a principal and variable interest payment which is paid off over 15 years. The terms above assume a combined loan-to-value ratio of 70% or less, and are available on single-family owner-occupied homes only. The variable interest payment is based on the Prime Rate as published in The Wall Street Journal, plus a margin. The amount of the margin ranges from 0 to 6.50%. Maximum possible Annual Percentage Rate is 18%. Rate is variable and subject to change daily without notice.
$50,000 West Virginia Home Mortgage Loan for Under $308/Month!*
*The payment for the first monthly billing period is based on a loan amount of $50,000 with an introductory 3.99 Annual Percentage Rate. Following the first monthly billing period, the minimum monthly payment is $307.29 and is an interest-only payment that changes based on the outstanding balance and variable rate for the remainder of the 5 or 10 year draw period. After the draw period, the remaining balance converts to a principal and variable interest payment which is paid off over 15 years. The terms above assume a combined loan-to-value ratio of 70% or less, and are available on single-family owner-occupied homes only. The variable interest payment is based on the Prime Rate as published in The Wall Street Journal, plus a margin. The amount of the margin ranges from 0 to 6.50%. Maximum possible Annual Percentage Rate is 18%. Rate is variable and subject to change daily without notice.
$60,000 West Virginia Home Mortgage Loan for Under $369/Month!*
*The payment for the first monthly billing period is based on a loan amount of $60,000 with an introductory 3.99 Annual Percentage Rate. Following the first monthly billing period, the minimum monthly payment is $368.75 and is an interest-only payment that changes based on the outstanding balance and variable rate for the remainder of the 5 or 10 year draw period. After the draw period, the remaining balance converts to a principal and variable interest payment which is paid off over 15 years. The terms above assume a combined loan-to-value ratio of 70% or less, and are available on single-family owner-occupied homes only. The variable interest payment is based on the Prime Rate as published in The Wall Street Journal, plus a margin. The amount of the margin ranges from 0 to 6.50%. Maximum possible Annual Percentage Rate is 18%. Rate is variable and subject to change daily without notice.
West Virginia Facts (more West Virginia facts)
• Coal has been one of the state's primary economic resources, although many mines have been closed. Higher prices for fuels may soon stimulate increased mining again. Today health and safety regulations and miners pay are much improved, and mining is usually the best paying job in the coalfields.
• The state has an extensive network of railroads, and much of the coal is transported by rail. Coal is little used now for home heating either. Most coal today is used by power plants to produce electricity.
• West Virginia was one of the first states to engage in drilling for oil. Small to medium oil and natural gas fields still exist and are scattered mostly in the Allegheny/Cumberland Plateau in an arc throughout the western part of state.
• Farming is practiced throughout West Virginia, but in a form different from large extensive cash-crop agriculture elsewhere in the USA. The modal average farm size was a smallish 140 to 179 acres (567,000 to 724,000 m²), most statistics in this section are taken from the 2002 US Census of Agriculture for West Virginia, which sold less than $2,500 of crops annually. Family and single-owner operation worked 92.7% of the farms, and an astounding 96.9% were totally or partly owned by the operator. On the other hand, only 50.5% of the state's farmers considered farming to be their primary occupation, with a significant number of hours worked elsewhere each year, in such areas as factory wage employment when available.
• Raising animals was far more important than growing vegetative crops. Income from animals exceeded income from plants by about 7 to 1, with much of the non-animal income derived from sales of fodder. The chief animals raised were cattle and chickens.
• In the ridge and valley area along the eastern border near Virginia's Shenandoah Valley, subsidiary valleys are wide and there are some belts of rich soil which are extensively farmed. In 2002, all of the top five counties by agricultural dollar value were located near the eastern Virginia border.
• Wild North American ginseng is cultivated domestically and for the Asian market. Wild gathered ginseng contributed about $ 2 million in 2000 to the West Virginia economy, a figure larger than many conventional cultivated vegetable and fruit crops. Other wild greens, such as sour dock, lambs quarters, and wild leek (or "ramps") are also still gathered by many for table use, although today more on the basis of avocation or keeping up traditions than out of necessity.
• Along the western edges of the state the large rivers of the mid-continent erode a distance into the hills and it is here, in the west, that some dense pockets of heavy industry appear. In the Kanawha River Valley near Charleston and along the southern Ohio River Valley near Huntington chemicals predominate, attracted by a readily available labor force and access by barge carriers. Metallurgy, especially steel, has been predominant in the Northern Panhandle due to a spill-over effect from the traditional center of the US steel industry in Pittsburgh.
• The Northern Panhandle, Weirton has been the site of the only tin-processing industry in the USA. Given the unsettled present condition of the US steel industry, continuation of metal-working industries in the Northern Panhandle cannot be assured.
• As of 2003, West Virginia was probably the US state least affected by immigration. Only 1.1% of the state's residents were foreign-born, placing West Virginia last among the 50 states and the District of Columbia in that statistic. It was also last in the country in percentage of residents that speak a language other than English in the home (2.7%).
• The five largest ancestry groups in West Virginia are: American (23.2%), German (17.2%), Irish (13.5%), English (12%), Italian (4.8%).
• Many West Virginians identify their ancestry as "American", it is the largest reported ancestry in most counties in the state, and the state has the highest percentage of residents of "American ancestry" in the nation. Large numbers of people of German ancestry are present the northeastern counties of the state.
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