Wheeling, WV · Ohio Valley
Wheeling WV Mortgage Lender
This branch is licensed in West Virginia. Wheeling files stay here.
Buying or refinancing in Wheeling
Ohio County purchases, refinances, and VA files.
Coverage includes Wheeling, Elm Grove, Ohio County. Files run from Wintersville Office at 100 Fernwood Road #2.
USDA and down payment
Parts of Ohio County remain USDA-eligible.
Programs we close here
3.5% down
FHA Loans
Flexible credit and a lower down payment. Built for first-time buyers and anyone who does not fit a conventional box.
0% down
USDA Loans
No-down-payment financing for eligible rural and small-town properties across the Ohio Valley, Licking County, and Tuscarawas County.
Veterans
VA Loans
Zero-down home loans for eligible veterans, active duty, and surviving spouses.
Strong credit
Conventional Loans
Competitive rates and flexible terms when credit and down payment are in good shape.
Investors
DSCR Investor Loans
Debt-service coverage loans underwritten to the property’s rent, not only W-2 income.
How a Wheeling file works
Step 1
Pre-approval with income, credit, and a number you can write to.
Step 2
Contract review the same day it hits the desk.
Step 3
Appraisal, title, and underwriting conditions in one queue.
Step 4
Clear to close on the date in the agreement. Call (740) 314-5324 if the date moves.
Wheeling questions
- Who originates mortgages in Wheeling?
- The Polaris Home Funding team at Wintersville Office, 100 Fernwood Road #2, Wintersville. Call (740) 314-5324.
- What loan programs work in Wheeling?
- FHA, conventional, VA, and — when the address maps — USDA. Ohio properties can add OHFA down payment assistance.
- Can I get a USDA loan in Wheeling?
- Parts of Ohio County remain USDA-eligible.
- How fast can I get pre-approved?
- Same day on a complete file. Send income, ID, and a target price. We issue a letter listing agents can use.
- How do I apply for a Wheeling loan?
- Start the official Encompass application or call (740) 314-5324. The file stays with this branch.
Nearby markets
Start here
Start a Wheeling loan
Start the official application or call the branch if you need a file opened tonight.