Refinances.com - Serving West Virginia
West Virginia Mortgage Refinance
Thinking about a West Virginia mortgage refinance? See clearly whether refinancing actually saves you money, then work directly with a licensed broker who shops wholesale lenders for you. No junk fees, no pressure, no guesswork.
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Refinancing your mortgage in West Virginia
A West Virginia mortgage refinance replaces your current home loan with a new one, ideally on better terms. From Charleston and Huntington to Morgantown and the Eastern Panhandle, Mountain State homeowners refinance for the same core reasons: a lower monthly payment, a shorter term, getting out of an adjustable rate, or turning built-up equity into cash. The math only works when long-term savings outweigh the cost of the new loan, which is exactly what we help you check before you commit to anything.
Your options
Which West Virginia refinance fits your goal?
Every refinance answers a different question. Pick the goal that sounds like yours and read the page built around it.
Rate-and-term refinance
Lower your monthly payment or pay the loan off faster by changing your rate, term, or both.
See if it fits →Cash-out refinance
Turn West Virginia home equity into cash for renovations, debt payoff, or big goals in one new loan.
View cash-out →VA & FHA streamline
If you hold a VA or FHA loan in West Virginia, a streamline refinance can lower your rate with less paperwork.
See if it fits →I am your MLO
Work directly with Jason Sharon
I am Jason Sharon, a Navy veteran and the Broker/Owner of Home Loans Inc. When you refinance your West Virginia home with me, you work with me directly, not a call center. I shop wholesale lenders on your behalf, run the break-even math in writing, and tell you straight when refinancing does not make sense. As a fellow veteran, I take particular care with VA loan refinances and IRRRLs.
Jason Sharon · Navy Veteran · Broker/Owner · NMLS 1281448
Jason Sharon
Headshot of Jason Sharon, Navy veteran and Broker/Owner, lands here.
Licensed in West Virginia
A licensed mortgage broker for West Virginia homeowners
Home Loans Inc is a licensed mortgage broker authorized to help homeowners across West Virginia refinance their mortgages. We operate under company NMLS 1728740, and your loan is handled personally by Jason Sharon, NMLS 1281448. As a broker rather than a single lender, we compare offers from many wholesale lenders so you are not limited to one bank's pricing. You can verify our licensing any time on the NMLS Consumer Access site.
How it works
What does a West Virginia refinance look like?
Four steps, and a human guides you through every one.
See your numbers
We review your goal and run the break-even math, no credit pull to start.
Shop wholesale
As a broker, we compare multiple wholesale lenders to find your fit.
Lock & underwrite
Lock your terms and we handle the paperwork with common-sense underwriting.
Close on your time
Sign, fund, and start saving, often without leaving your home.
West Virginia closing costs
What about closing costs on a West Virginia refinance?
Every refinance carries closing costs, and West Virginia is no exception. In the Mountain State, those costs can include items such as recording fees, applicable transfer or recording taxes, title work, an appraisal, and prepaid items like escrow. The amounts vary by your loan size, lender, and county, so we put your specific estimate in writing rather than quoting a guess. The honest question is always the same: do your monthly savings outearn these costs before you would sell or pay off the loan? We charge $0 in junk fees, and we walk you through your break-even point before you commit.
Questions
West Virginia mortgage refinance FAQ
How soon can I refinance my mortgage in West Virginia?
It depends on your current loan type and lender seasoning rules, but many West Virginia homeowners can refinance within a few months of their last closing. We check your specific situation before you spend a dollar.
Can I do a VA or FHA streamline refinance in West Virginia?
Yes. If you hold an existing VA or FHA loan in West Virginia, you may qualify for a streamline refinance, often with less paperwork. As a Navy veteran and broker, Jason checks whether it benefits you before you apply.
Does refinancing hurt my credit?
Getting an estimate from us does not require a credit pull. A formal application includes a credit check, which can cause a small, temporary dip that most borrowers recover from quickly.
What does it cost to refinance a home in West Virginia?
A West Virginia refinance has closing costs, which can include recording fees, applicable transfer or recording taxes, title, appraisal, and prepaid escrow items. The right question is whether your monthly savings outearn those costs before you would sell or pay off the loan. We put that break-even math in writing for you.
Can I take cash out when I refinance my West Virginia home?
Yes. A cash-out refinance lets you turn West Virginia home equity into cash in a single new loan. See our cash-out refinance page for how it works.
Do I have to refinance with my current lender?
No. You can refinance with any qualified lender. As a broker we shop wholesale lenders so you are not limited to your current servicer's offer.
Meet your loan originator
Your West Virginia mortgage loan originator
Jason Sharon
Owner / Mortgage Loan Originator
NMLS 1281448 · Company NMLS 1728740
I am Jason Sharon, a Navy veteran and the Broker/Owner of Home Loans Inc, and I am licensed to originate residential mortgage loans for West Virginia homeowners. When you refinance in West Virginia you work directly with me, not a rotating call center. I shop wholesale lenders on your behalf, put the break-even math in writing, and tell you plainly when a refinance does not make sense for you. No junk fees, no pressure, and a straight answer every time.
Verify company NMLS 1728740 and personal NMLS 1281448 at nmlsconsumeraccess.org.
State details
Refinancing in West Virginia: what to know
Closing & funding
West Virginia requires title work and closings to be handled by a West Virginia attorney (State Bar AO 2003-01). Closings are wet, with funds wired at signing and held through rescission.
Spousal signing
West Virginia abolished dower and curtesy, and homestead here is a tax and value exemption rather than a forced-joinder rule. Confirm signing requirements with your title underwriter before closing.
Taxes on a refinance
West Virginia does not impose a special note or mortgage tax on a refinance. Expect recording fees only, since a refinance does not create a new deed transfer.
Cash-out & rules
Cash-out loan-to-value follows investor and agency guidelines, not a state cap. West Virginia (46A-4-109) requires a net tangible benefit and bars re-charging origination on a refinance within 24 months.
Good to know
West Virginia uses non-judicial foreclosure. A prepayment penalty is limited (1% within 3 years) and never allowed on a refinance within one year. Remote online notarization is generally available.
General information, not legal or tax advice. Confirm specifics with your closing attorney or title company.
Keep reading
Related refinance resources for West Virginia
Rate-and-Term Refinance
Lower your rate or change your term without taking cash out.
Learn more →Cash-Out Refinance
Turn home equity into cash in a single new loan, subject to eligibility and lender guidelines.
Learn more →VA IRRRL Streamline
A streamlined refinance for homeowners who already have a VA loan.
Learn more →Refinance Calculator
Estimate your savings and break-even point with no credit pull.
Learn more →Refinance by State
See how a refinance works in every state we cover.
Learn more →Ready to see if a West Virginia refinance saves you money?
Start your refinance online in minutes, or book a quick call. No credit pull to get your numbers.