West Virginia - Wild and Wonderful

About West Virginia

West Virginia is noted for its mountains and diverse topography, its historically significant logging and coal mining industries, and its political and labor history. It is one of the most densely karstic areas in the world, making it a choice area for recreational caving and scientific research.


West Virginia is full of opportunity for any business with a growing economy and a highly dedicated workforce. Whether you are running an existing business or thinking of starting a new business you can find all of the information you need throughout this business section.


West Virginia is fortunate to have a tremendous education system with a high standard of excellence. Please use the information provided here to learn more about the wealth of educational opportunities in our great state.


West Virginia is home to one of the finest workforces in the country based on our hard work and commitment to quality. Whether you are looking for new job opportunities, enhancing your job skills or researching future employment trends you can find all of the information you need throughout this employment section.


West Virginia offers the perfect balance of a rural and urban setting that suits a variety of lifestyles. This is a state where you can go whitewater rafting in the morning, go to an art exhibit in the afternoon and attend a concert in the evening. Whether you just moved to the Mountain State or your family has been here since it was founded, you are part of our community.


Maintaining proper health is vital to ensuring the highest quality of life possible. West Virginia strives to provide one of the best health care systems in the country that is affordable and available to all residents of the state. This section contains numerous resources to assist you in accessing the health care services provided in the state.


Exhilarate in the lasting beauty and natural wonder scattered throughout West Virginia. From unmatched outdoor recreation to world-class resorts, breathtaking scenery and a variety of cultural and historic attractions, West Virginia is an ideal spot to plan your next adventure. Discover for yourself what makes West Virginia wild and wonderful.

 Governor Manchin Announces a 3.5% Interest Rate by the West Virginia Housing Development Fund


CHARLESTON, W.Va. – Gov. Joe Manchin has announced that the West Virginia Housing Development Fund is offering a new mortgage program for West Virginia families that includes a 30-year fixed rate loan at approximately 3.5 percent.  The program also includes a zero percent down payment and closing cost assistance loans.

“I am so pleased with the diligent work that the West Virginia Housing Development Fund has done to bring this tremendous housing opportunity into fruition for so many West Virginians,” said the governor.  “This mortgage rate is unprecedented and is the lowest in the Housing Development Fund’s history.  I am confident that this new mortgage program will be a win-win for both our citizens and the state’s housing industry,” said Gov. Manchin. 

“We are extremely pleased with this interest rate and realize that it is a once-in-a-lifetime opportunity for 280 qualifying West Virginia families who wish to purchase a home and realize their dream of homeownership. Applicants must be first-time homebuyers in all non-targeted counties.  Families that need homebuyer counseling to prepare to take on the responsibility of a mortgage can call the Housing Development Fund for more information” stated Joe Hatfield, Executive Director of the Housing Development Fund. 

This rate was achieved as a result of a $35 million bond issue coupled with a special bond refunding by the Housing Development Fund.

With low cost financing, down payment and closing cost assistance and homebuyer counseling, many West Virginia families should qualify to own a home.  Applications for loans will be taken immediately through banks, mortgage brokers and credit unions. The funds for these low rate loans are limited and applications will be taken on a first-come, first-served basis. 

Those interested in the program should contact their realtor, builder, lending institution or the Housing Development Fund for more information about how to apply for a mortgage loan, income and house price limits and targeted/non-targeted county information.  

Visit the Housing Development Fund’s website at www.wvhdf.com for a list of participating lenders or call the West Virginia Housing Development Fund for a mortgage information packet at 1-877-WVADREAM.

The West Virginia Housing Development Fund is a public body corporate and governmental instrumentality of the State of West Virginia established to increase the supply of residential housing for persons and families of low- and moderate-income, and to provide construction and permanent mortgage financing to public and private sponsors of such housing. To date, the Housing Development Fund has issued more than $3 billion in tax-exempt bonds to finance more than 108,000 housing units since it began operation in 1969. No tax dollars were utilized to provide this information. The West Virginia Housing Development Fund is an Equal Housing Opportunity Lender.     

Contact Information

Joe Hatfield