West Virginia HUD-Certified Foreclosure Prevention and Housing Counseling Agencies
This is page covers HUD counseling in West Virginia, including what agencies operate in the state and how they help current homeowners or potential buyers. The agencies listed below cover a range of regions, but significant stretches of the state — particularly in southern and eastern coalfield counties — have limited or no local options but there is remote service. The agencies provide everything from free foreclosure counseling services to buyer education classes, information on loan modifications as well as other services.
West Virginia has one of the highest rates of owner-occupied housing in the country — more than three quarters of residents own their homes — which means foreclosure is a significant concern here. The state also has a relatively small number of HUD-certified housing counseling agencies spread across a large, mountainous geography. For homeowners in those areas, several agencies on this page provide counseling by phone, and the national HUD hotline connects callers to certified help regardless of location. To speak with a certified counselor by phone, call the national HUD housing counseling hotline: 800-569-4287 or use the online tool at https://www.hud.gov/findacounselor.
- Do not pay for help. All legitimate foreclosure counseling is free. Anyone who asks for upfront money to stop a foreclosure, arrange legal support or negotiate with your lender is running a scam. Report them to the West Virginia Attorney General at 800-368-8808.
Charleston — Kanawha Valley Area
Religious Coalition for Community Renewal (RCCR)
1117 Quarrier Street, Charleston, WV 25301. Call 304-346-6398. Website: https://www.rccr.org/
A faith-based nonprofit operating in Charleston since 1987, backed by more than 30 member congregations. HUD-certified for pre-purchase counseling and homebuyer education. They often help more than 200 households per year - but that changes based on resources, funding and other factors. Also active in affordable home construction and sales in the Charleston area, with homes currently available on the West Side. Open Monday through Friday, 9am to 4pm.
Southern Appalachian Labor School Foundation (SALS)
140 School Street, Oak Hill, WV 25901. Call 304-250-7627. Website: https://sals.info/
A long-standing Fayette County nonprofit focused on housing for working-class and low-income Appalachian families. HUD-certified for pre-purchase counseling, home improvement and rehabilitation advice, and rental counseling. Also active in organizing college volunteer work camps for home repair each summer. English and Spanish services available.
Elkins — North Central West Virginia
HomeOwnership Center, Inc. (HOC)
2276 Randolph Ave., Elkins, WV 26241. Call 304-636-9115. Website: https://hocwv.org/
A NeighborWorks America chartered member serving Barbour, Lewis, Pendleton, Pocahontas, Randolph, Tucker, Upshur, and Webster counties. One of the more complete local housing resources in the state: offers competitive home loans, pre-purchase counseling, credit and budget advising, mortgage delinquency counseling, homebuyer education, and post-purchase workshops — all under one roof. Office hours are generally Monday through Thursday, 8am to 4:30pm.
Fairmont and Morgantown — North Central West Virginia
Fairmont-Morgantown Housing Authority (FMHA)
103 12th Street, Fairmont, WV 26554. Call 304-363-0860. Website: https://www.fmhousing.com/
A regional housing authority serving Marion, Monongalia, Preston, and Taylor counties through its HomeOwnership Center program. Provides pre-purchase counseling, homebuyer education (held the second Friday of each month), mortgage delinquency and default counseling, non-delinquency post-purchase education, rental counseling, and fair housing services. ASL services available in addition to English. The Morgantown office is at 430 Spruce Street.
Martinsburg — Eastern Panhandle
Telamon Corporation
67 Aikens Center, Martinsburg, WV 25404. Call 304-263-0916 or Toll-free: 866-844-8556. Website: https://www.telamon.org/
A national nonprofit with a Martinsburg branch serving the Eastern Panhandle. Provides mortgage delinquency and foreclosure counseling, pre-purchase counseling, as well as homebuyer education. Other programs include rental housing counseling, financial management coaching, and fair housing services. Spanish-language services available. Telamon operates housing and financial empowerment programs across 10 states and brings consistent resources and training to this region.
Parkersburg — Mid-Ohio Valley
CCCS of the Mid-Ohio Valley
2435 Dudley Avenue, Parkersburg, WV 26101. Call 304-485-3141 or Toll-free: 866-481-4752. Website: https://wvcccs.org/
A local nonprofit serving Wood County and the greater Mid-Ohio Valley region. Provides HUD-certified mortgage delinquency and default counseling, pre-purchase counseling, homebuyer education, and financial management services. Also offers debt management plans, credit counseling, and bankruptcy advice — useful for homeowners whose mortgage trouble stems from broader debt issues. Income-scaled fees make most services accessible regardless of household income.
Delbarton — Southern West Virginia Coalfields
Housing Authority of Mingo County
5026 Helena Avenue, Delbarton, WV 25670. Call 304-475-4663. Website: https://www.mingohousing.com/.
The most geographically remote HUD-certified agency in the state, serving a stretch of southern WV that has few other local resources. HUD-certified for mortgage delinquency advice including foreclosure prevention services. There is also pre-purchase counseling, homebuyer education, home improvement and rehabilitation programs, rental housing support, and programs for those at risk of homelessness. Serves Mingo, McDowell, Logan, Wayne, and Wyoming counties. Spanish-language services available. Office hours are generally Monday through Thursday, 7am to 5pm.
Weirton — Northern Panhandle
CHANGE, Inc.
3158 West Street, Weirton, WV 26062. Phone: 304-797-7733. Website: https://changeinc.org/.
A community action agency serving Hancock, Brooke, Ohio, and Marshall counties in West Virginia's Northern Panhandle. HUD-certified for mortgage delinquency assistance, pre-purchase counseling, financial management, and they also help people access or who reside in rental housing. Also provides health care through Federally Qualified Health Centers, domestic violence advocacy, and a range of other family support services — a useful point of contact for households dealing with multiple compounding issues.
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