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Charleston, West Virginia

VA Purchase Home Loan Program Charleston


Purchasing VA Home Loans in Charleston, West Virginia

Purchasing VA Home Loans in Charleston, West Virginia
VA Purchase Loans in Charleston, West Virginia blog cover photo of military dad and his daughter hugging. Go VA Home Loans

Purchasing VA Home Loans in Charleston, West Virginia



What should you know when buying a home in Charleston?

While there are numerous unique benefits to the VA loan program, the most notable is that no down payment is required. Because the VA loan allows for the home seller to pay some or all of your closing costs, the VA home loan may be allow you to get into your new home with only a few dollars out of pocket. Here at Go VA Home Loans, we'll walk you through all the benefits and advantages of using a VA loan to purchase a home in Charleston. Call (816) 945-9924 any time to discuss the individual circumstances you have. We want to provide you quality information from one of our VA home loan specialists.

What are VA Home Loan Benefits?
  • Loan can be assumed by a buyer who obtains credit approval.
  • VA loan rates are comparable to FHA loan rates and often lower than Conventional interest rates.
  • No mortgage insurance, so your payment is lower than buying with a Conventional or FHA loan.
  • VA places limitations on the types of fees the lender can charge you (these non-allowable costs are typically paid by the seller).
  • The seller can pay 100% of your Discount Points and other non-recurring costs (one-time loan and closing costs).
  • Seller can contribute up to 4% of the sales prices towards your pre-paid expenses (property taxes, home owners insurance and pro-rated interest), the VA Funding Fee and/or pay off debts you have to help you qualify.
  • No pre-payment penalties allowed.
  • 30 and 15 year fixed rate loans offered, as well as 3/1 and 5/1 ARMs.
  • Payment relief, which is also known as forbearance, is extended to VA homeowners experiencing temporary financial difficulty.


Whether you have used the VA home loan before or this is your first time, getting started can seem like a daunting task. The good news is that there is an abundance of information available to home buyers these days. If you're a veteran and you're starting the process of looking into a home loan you'll want to pay special attention to the advantages that the VA home loan program can offer you.

About Purchasing The VA Loan



For VA housing loan purposes, the term "veteran" includes certain members of the Selected Reserve, active duty service personnel and certain categories of spouses. To purchase a Charleston home with a VA Loan, the program guidelines require:
  • You must be an eligible veteran who has available home loan entitlement.
  • The loan must be for an eligible purpose. The purchase price should not exceed the appraised value. Otherwise, you will have to pay the difference from your own resources.
  • You must occupy or intend to occupy the property as your home within a reasonable period of time after closing the loan.
  • You must have enough income to meet the new mortgage payments on the loan, cover the costs of owning a home, take care of other obligations and expenses, and still have enough income left over for family support (a spouses income is considered in the same manner as the veterans).


There are two very important pieces of information you will need in order to purchase a VA home loan:

1. Purchase Entitlement Amount
This tells the lender that you are eligible for the program.

2. VA Certificate of Eligibility For Purchasing
This is the amount of the loan of which VA will guarantee, and it determines whether you need to make a down payment or not.

There is usually no VA Loan down payment required, unless



1.The loan amount exceeds the Conforming Loan Limit of $417,000, or the limit is applicable to the high cost areas found here.
2. Borrower does not have full VA entitlement.
3. Appraised value is less than the purchase price, but then it is negotiable with the seller.

It is important to note that the VA cannot guarantee that you are making a good investment or that you can resell the property at the price you paid. The VA does not have the authority to provide you with legal service either. Keep in mind that VA Home Loans can help you order your certificate of Eligibility as well, so feel free to call us at (816) 945-9924 with any questions or to speed up the veteranís mortgage process.

Helpful West Virginia VA Loan Info


What is the Charleston VA Loan Appraisal Process?

VA Purchase Home Loan Program Charleston

Military BAH Rates - Charleston Basic Allowance For Housing

Charleston VA Mortgage Calculator

Charleston VA Mortgage Rates

Common Charleston VA Home Loan Questions

How Do I Get A Charleston Certificate Of Eligibility(COE)?

Military DD214 Form for West Virginia military personnel

Charleston VA Credit Score Requirements

Charleston VA Streamline Refinance Loan | IRRRL Refinance Program

Charleston VA Mortgage Lenders

Charleston Income & Financial Requirements For VA Loans

What are closing average Charleston, West Virginia closing costs?

Charleston VA Mortgage CO-Signer Requirements and Regulations

Charleston Military Home Loans and special benefits

What is the Charleston, West Virginia VA Entitlement?

Charleston West Virginia VA Home Loans

The Government Will Pay Your Charleston VA Loan Through the BAH Program

All West Virginia VA Loan Locations

Locations Nearby Charleston


Clendenin, WV 25045
METROPOLITAN Area: Charleston, WV
COUNTY NAME: Kanawha West Virginia
CITY SIZE RANK: 8921
AVERAGE HOME VALUE PER SQFT: $71 Per Sq Ft

Education Stats in Charleston, WV

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Charleston, West Virginia housing data

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25387 Median Gross Rent: %

Time zone and area codes for Charleston

Charleston Time Zone: America/New_York
Area Code(s) For Charleston, WV: 304

Charleston(25387) Coordinates

25387 Approximate Latitude: 38.35
25387 Approximate Longitude -81.63
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Charleston, WV Age Demographics

Charleston Population Under 10: People
Charleston Population 10-19: People
Charleston Population 20-29: People
Charleston Population 30-39: People
Charleston Population 40-49: People
Charleston Population 50-59: People
Charleston Population 60-69: People
Charleston Population 70-79: People
Charleston Population 80 years and up: People

Charleston Demographics Data

White demographics: People
African-American demographics: People
Charleston Indian and alaskan natives: People
Charleston asian demographics: People
Charleston Hawaiian and Pacific Islanders: People
Charleston Population Makred as Other: People
Charleston Two or more races: People
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Charleston female population count: People

Charleston, WV Facts

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Charleston Postal, Tax, and Wage Facts

Total Wages in Charleston:
25387 Post Office Location: NA-US-WV-CHARLESTON
25387 Post Office Type: STANDARD
There were tax returns in 25387.

Charleston, WV 25387
METROPOLITAN Area: Charleston, WV
COUNTY NAME: Kanawha West Virginia
CITY SIZE RANK: 8749
AVERAGE HOME VALUE PER SQFT: $54 Per Sq Ft


South Charleston, WV 25303
METROPOLITAN Area: Charleston, WV
COUNTY NAME: Kanawha West Virginia
CITY SIZE RANK: 7886
AVERAGE HOME VALUE PER SQFT: $76 Per Sq Ft


Charleston, WV 25304
METROPOLITAN Area: Charleston, WV
COUNTY NAME: Kanawha West Virginia
CITY SIZE RANK: 7605
AVERAGE HOME VALUE PER SQFT: $96 Per Sq Ft


Nitro, WV 25143
METROPOLITAN Area: Charleston, WV
COUNTY NAME: Kanawha West Virginia
CITY SIZE RANK: 7367
AVERAGE HOME VALUE PER SQFT: $72 Per Sq Ft


Dunbar, WV 25064
METROPOLITAN Area: Charleston, WV
COUNTY NAME: Kanawha West Virginia
CITY SIZE RANK: 6855
AVERAGE HOME VALUE PER SQFT: $61 Per Sq Ft


Elkview, WV 25071
METROPOLITAN Area: Charleston, WV
COUNTY NAME: Kanawha West Virginia
CITY SIZE RANK: 6816
AVERAGE HOME VALUE PER SQFT: $78 Per Sq Ft


Charleston, WV 25311
METROPOLITAN Area: Charleston, WV
COUNTY NAME: Kanawha West Virginia
CITY SIZE RANK: 6725
AVERAGE HOME VALUE PER SQFT: $78 Per Sq Ft


Cross Lanes, WV 25313
METROPOLITAN Area: Charleston, WV
COUNTY NAME: Kanawha West Virginia
CITY SIZE RANK: 6338
AVERAGE HOME VALUE PER SQFT: $77 Per Sq Ft


South Charleston, WV 25309
METROPOLITAN Area: Charleston, WV
COUNTY NAME: Kanawha West Virginia
CITY SIZE RANK: 6278
AVERAGE HOME VALUE PER SQFT: $76 Per Sq Ft


Charleston, WV 25314
METROPOLITAN Area: Charleston, WV
COUNTY NAME: Kanawha West Virginia
CITY SIZE RANK: 5833
AVERAGE HOME VALUE PER SQFT: $92 Per Sq Ft


Charleston, WV 25302
METROPOLITAN Area: Charleston, WV
COUNTY NAME: Kanawha West Virginia
CITY SIZE RANK: 5253
AVERAGE HOME VALUE PER SQFT: $61 Per Sq Ft


Saint Albans, WV 25177
METROPOLITAN Area: Charleston, WV
COUNTY NAME: Kanawha West Virginia
CITY SIZE RANK: 3334
AVERAGE HOME VALUE PER SQFT: $67 Per Sq Ft


Fairview, WV 26570
METROPOLITAN Area: Fairmont, WV
COUNTY NAME: Marion West Virginia
CITY SIZE RANK: 10546
AVERAGE HOME VALUE PER SQFT: $119 Per Sq Ft