USDA Loan Vs. FHA loan pro & con New-Martinsville, Wetzel County, WV

In 2026, the USDA loan ceiling for New-Martinsville in the county of Wetzel, WV is set at $285,000. By contrast, the FHA ceiling for a single-family residence is $356,362.

The Lendersa® USDA loan calculator allows you to compare the finest USDA and FHA rates available today. It helps evaluate necessary income, credit, reserves, and required documents for eligibility. Our sophisticated mortgage calculator presents USDA, FHA, Conforming, and VA loan options side-by-side to aid in selecting the most beneficial program for your financial needs, especially in .

Exploring USDA and FHA Loan Options in New-Martinsville, WV

Lendersa® is dedicated to securing you the most favorable USDA or FHA loan promptly and with ease. Choose one of three starting pathways to link with lenders offering USDA loan programs.

Lendersa USDA loan request and matching results

Understanding the USDA Loan in WV

A USDA home loan is a government-backed loan provided by the Department of Agriculture, also called a USDA rural development loan or USDA mortgage, available only in rural areas. Unlike FHA loans, which necessitate a 3.5% minimum down payment, the USDA mortgage requires none.

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New-Martinsville Lenders
(304) 455-6719 Lender's profile and map Natrium Efcu 15710 Energy Road, Proctor, WV, 26055 Lends in West Virginia Natrium Employees Federal Credit Union has been open since 1984. The credit union has assets totaling $11.42 Million and provides banking services to more than 800 members as of March 2022. The credit union is a chemicals manufacturing credit union. Membership is also open to immediate family of current members.
(304) 758-4308 Lender's profile and map Long Reach Federal Credit Union 315 Main Street, Middlebourne, WV, 26149 Lends in West Virginia Long Reach Federal Credit Union was organized in 1975. We are a not-for-profit organization that is member-owned, where earnings are paid back to the members with lower loan rates and higher savings rates, rather than being owned by stockholders. Long Reach Federal Credit Union offers many products and services to meet your financial needs.
(888) 328-6466 Lender's profile and map Union Bank, Inc. 103 Dodd St., Middlebourne, WV, 26149 Lends in West Virginia Union Bank is a locally owned and locally managed, independent, full-service community bank, with approximately $235 million in assets. We operate eight (8) full service locations in northwestern West Virginia, in the communities of: Middlebourne, Sistersville, St. Marys, Hundred, New Martinsville, Pennsboro, Harrisville, and Ellenboro,
(304) 843-1179 Lender's profile and map Marshall County Federal Credit Union 910 Third Street, Moundsville, WV, 26041 Lends in West Virginia Marshall County Federal Credit Union began as “Marshall County School Employees Federal Credit Union”. In 1974 five members started this credit union off on its financial journey by depositing $35 each into a share account. Today, the credit union’s assets have grown to almost $22 million
(304) 665-1127 Lender's profile and map Willow Island Credit Union 7910 S Pleasants Highway, Saint Marys, WV, 26170 Lends in West Virginia Willow Island Federal Credit Union was chartered on March 4, 1953. The chartering members were Raymond E Leach, Earl D Ellis, R C Lantz, Alfred T Hall, John H Cramer, D Ernest Wilcox, & R K Britton. The credit union was organized due to the need for employees to be able to obtain loans at a reasonable rate.