Discover specialty mortgage options such as VA and FHA loans from WesBanco.

Mortgage Options

WesBanco offers unique mortgage options for homebuyers in all circumstances

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

WesBanco Mortgage Solutions 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. Our experienced Mortgage Loan Officers will help you select the loan option that best suits your needs and expectations.

Wealth Builder Program

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

  • Up to 100% financing for home purchases with reduced Private Mortgage Insurance (PMI).1
  • Loan Types: 5/1, 7/1, 10/1 Adjustable Rate Mortgages.
  • Owner occupied primary residences, single family/condo.
  • .125% rate discount for automatic payment from a WesBanco checking account.
  • Extended rate locks available.2

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 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.
  • Extended rate locks available.2

Doctor's Mortgage Program

Our in-house Doctor’s Mortgage Program is designed specifically for use by Medical Residents/Fellowships to help you purchase the home of your dreams. Our program can finance up to 100% of your purchase price.

  • Up to 100% financing for home purchases.
  • No private mortgage insurance required.
  • Competitive pricing on fixed and adjustable rate programs.
  • Owner occupied primary residences.
  • One family detached, condo, or PUD.
  • .125% rate discount for automatic payment from a WesBanco checking account.

Jumbo Loans

Jumbo financing for loan amounts above $484,350.

  • Flexible loan terms with varying down payment requirements and competitive interest rates.
  • Fixed- and adjustable-rate payment options are available.
  • Loans are not insured by a government agency.
  • Loan amounts exceed traditional conforming loan limits established by Fannie Mae or Freddie Mac. Private mortgage insurance is typically required when the loan amount exceeds 80% of the value or purchase price, whichever is less.

Land, Construction & Renovation Loans

If you’re considering buying land to build a home, or renovating a fixer upper, our construction-to-permanent, land, and renovation loans can help. Terms vary depending on which mortgage option you choose.

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.

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.

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.

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.

Plus, be sure to ask about WesBanco’s Perks at Work discount toward closing costs on a NEW residential mortgage!

1Loan-to-Values over 80% are subject to approval of Private Mortgage Insurance.
2Additional fee applies.

For all customer service needs, including a lost or stolen debit card, please click the CUSTOMER SERVICE tab above or contact us at
1 (800) 905-9043.

WesBanco Bank, Inc. is a Member FDIC