Loan Programs

The following is a partial list of programs offered by Mortgage Inc. (The Mortgage Center) with a brief description of the key elements of each. For a complete list of the programs that we offer, please contact us at 304-267-9040.

USDA Purchase and Refinance

0% down payment required! Only single-family homes that will be owner-occupied are eligible.

You do NOT need to be a First time homebuyer. Income restrictions apply. Call for details. 304-267-9040

FHA - Federal Housing Administration

Requires 3.5% down. Down payment can be a gift.

VA Mortgages

Backed by the Veterans Administration and the federal government, it is similar to USDA, except that you have to be a qualified Veteran or military member.


Traditional loan programs that usually require 3 or 5% down and offer competitive interest rates. Documentation and fair-to-good credit are necessary.

No Down Payment

No Downpayment required. Closing costs can be paid for by the borrower, seller, or by borrower credit.

Loan Products associated with No Downpayment: VA and USDA

Investor Loans

Used to finance 1-4 family properties that will be for investment with as little as a 20% down payment. Aggressively priced, these programs have many variations.

Jumbo Loans

Offers 30 and 15 year fixed rate mortgage and competitive ARM products with full document.

Cash out and No cash out refinance are allowable. Single family detached, Condo's, PUD's and single-family second homes can be financed with no prepayment penalty.