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Purchase or Refinance

WesBanco Mortgage Solutions can help you find the financing that best fits your needs. Whether it’s to buy or build a new home, or simply to refinance an existing home - WesBanco can help. We offer competitive pricing on all types of loans.

Click here to choose a Mortgage Loan Officer in your area or call our toll free number at 1(800) 905-9043.

Conventional Fixed Rate Loans

Conventional fixed rate loans offer a consistent interest rate/consistent payments for the term of your loan.

  • Flexible loan terms with varying down payment requirements and competitive interest rates
  • Down payments as low as 3% of the purchase price. Private mortgage insurance is typically required when the loan amount exceeds 80% of the value or purchase price, whichever is less

Conventional Adjustable Rate Loans (ARM)

Adjustable rate mortgages have rates guaranteed for a predetermined period and then resets with a new rate that can be higher or lower depending on market conditions at the time the adjustment occurs.

  • Initial term of an ARM loan can vary depending on the program chosen by you
  • May offer lower payments for the first years of your loan. Can be an ideal mortgage for you if you are expecting an increase in income or planning to live in the home for a short period of time
  • Private mortgage insurance is typically required when the loan amount exceeds 80% of the value or purchase price, whichever is less

Jumbo Loans

Jumbo financing for home purchases above $424,100.

  • Flexible loan terms with varying down payment requirements and competitive interest rates
  • Fixed rate and adjustable rate payment options are available
  • Loans are not insured by a government agency
  • Loan amounts exceed traditional conforming loan limits established by Fannie Mae or Freddie Mac. Private mortgage insurance is typically required when the loan amount exceeds 80% of the value or purchase price, whichever is less

Veteran's Administration (VA)

VA loan options are available to qualified veterans, active duty, reservists or National Guard.

  • Little to no down payment is normally require on a VA loan
  • Fixed rate and adjustable rate payment options are available

Federal Housing Administration (FHA)

Government loan program that provides for more flexible qualification criteria than that of a conventional loan

  • Down payments as low as 3.5%
  • Seller can assist with up to 6% of purchase price toward buyers/borrowers closing costs
  • FHA does not have income limits – maximum loan amount determined by HUD

State Bond Programs

State Bond Programs are often referred to as "first-time home buyer" programs.

  • Conventional and government programs that are competitively priced with flexible financing terms
  • While all state bond programs/products may not provide for down payment and closing cost assistance, many provide this assistance to qualified borrowers
  • Income and house price limits often apply. You may not need to be a first-time buyer to qualify. In targeted counties, there is no requirement of first-time buyer status
  • First-time buyer status is typically defined as someone who has not owned and occupied a principal residence in the past 36 months

USDA Rural Development Loan

The USDA Rural Development Loan is a Government insured 100% purchase loan, typically for rural areas however many smaller communities that lie just outside major metropolitan areas may qualify.

  • No down payment required
  • Competitive fixed rates
  • Lower credit scores are allowed
  • Not limited to First-time home buyers
  • Up to 100% of appraised value - plus one-time guarantee fee

Specialty Programs

WesBanco offers a variety of special programs including:

  • First-time home buyer programs with as little as 3% down payment and flexible terms
  • Professional's Mortgage Program
  • Doctor's Residency Program
  • One-time close Construction loans
  • Land-Only loans
  • Pre-Qualification program

For all customer service needs, including a lost or stolen debit card, please click the CUSTOMER SERVICE tab above or contact us at
1 (800) 905-9043.

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WesBanco Bank, Inc. is a Member FDIC