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New Home Plan

Mortgage Options

WesBanco offers unique mortgage options for homebuyers in all circumstances.

WesBanco Mortgage offers more than our conventional mortgage loan options, with specialty financing and government lending programs such as VA and FHA loans. Our specialty loans are designed and tailored to fit the unique needs of our customers. Ready to get the ball rolling?

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Need help with your credit first? WesBanco is partnered with CredEvolv, which offers access to nonprofit Credit Coaches who can help your credit knowledge and score. Contact a Mortgage Officer to learn more!

Find a Local Mortgage Officer

Explore our specialty mortgage programs to find the best option for your borrowing needs.

  • Professional’s Mortgage Loan Program
  • Community Heroes Program
  • Wealth Builder Program
  • Physician Mortgage Loan
  • Veterans Affairs Loans
  • Federal Housing Administration Loans
  • USDA Rural Development Loans
  • State Bond Programs
  • Professional's Mortgage Loan Program

    This special program has been designed for use by doctors, dentists, attorneys and other professionals who demonstrate a likelihood of ongoing influence and service to their communities.

    • As low as 5% down payment for purchase or construction of a primary residence up to $1.5 million.
    • Interest charged only on the outstanding balance during construction
    • Available for Construction-to-Permanent loans.
    • No Private Mortgage Insurance required.
    • Very competitive rates.
    • .125% rate discount for automatic payment from a WesBanco checking account.
    Contact a Loan Officer
  • Community Heroes Program

    Ready to buy a home, but need help with your down payment? WesBanco’s Community Heroes Program offers 100% financing on your home purchase price*. Available to Firefighters, Paramedics, EMTs, Police Officers, Teachers, Professors, Active Duty Military, Nurses and more**!

    • Loan Types: 5/1, 7/1, 10/1 and 15/1 Adjustable Rate Mortgages
    • Owner occupied primary residences, single family/condo
    • 3% seller concession allowed
    • Maximum loan amount of $766,550

    * Private Mortgage Insurance required.
    ** Teachers must be full-time, state certified and currently employed. Also open to National Guard and reserve members.

    Contact a Loan Officer
  • Wealth Builder Program

    WesBanco’s Wealth Builder Program offers 100% financing on your home purchase. Our program offers flexible financing and adjustable rate options. Let us be your
    financial partner!

    • Loan Types: 7/1 and 10/1 Adjustable Rate Mortgages
    • Owner occupied primary residences, single family/condo
    • Up to 100% financing for home purchases with reduced Private Mortgage Insurance
    Contact a Loan Officer
  • Veterans Affairs (VA) Loan

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

    • Normally, little-to-no down payment is required on a VA loan.
    • Fixed- and adjustable-rate payment options are available.
    Contact a Loan Officer
  • Federal Housing Administration (FHA) Loan

    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 loans do not have income limits – maximum loan amount determined by HUD.
    Contact a Loan Officer
  • USDA Rural Development Loan

    The USDA Rural Development Loan is a 100% Government-insured home purchase loan, typically for rural areas however many small 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.
    Contact a Loan Officer
  • 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.
    Contact a Loan Officer

Educational Resources for First-Time Homebuyers

  • small chalkboard that reads

    First-Time Homebuyer Tips

    Making the change from renter to homeowner is an exciting time, but it’s also a little overwhelming. Check out our guide for the best tips on prepping your budget, getting pre-qualified and how to choose the right mortgage and lender.

  • Black woman painting a wall.

    Home Renovation Returns: Maximize ROI on Home Improvement Projects

    Updating old features, increasing the square footage, and improving functionality can boost your home’s appraised value.

  • Af.Am. couple hugging, smiling and looking at a computer together.

    Housing Budget Breakdown: How Much to Spend

    This quick video shares two key rules to consider before you start the mortgage process: 1. How much of your income should go towards a mortgage, and 2. How to break down your budget to qualify for a mortgage.

Find a Location Near You!

WesBanco operates branches and offices in 8 states. Over the past decade, we have built a national reputation as a safe, sound and profitable bank holding company that always strives to do better by its customers.

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