Licensed in West Virginia
Mortgages in Charleston, done right.
Charleston is West Virginia's capital and largest city, sitting at the confluence of the Elk and Kanawha Rivers. It's a smaller market than most of the other cities we're licensed in, which means a more limited pool of local lenders, exactly the kind of situation where shopping your file across 40+ lenders instead of one bank matters most.
#MB-2354674
WV License
46,000
Population
Written by the East Coast Mortgage team
Editorial review: East Coast Mortgage, NMLS #2354674 · Last reviewed
West Virginia's capital and largest city. East Coast Mortgage is licensed to lend anywhere in West Virginia under state license #MB-2354674, Charleston included, not a separate city-by-city license.
By the numbers
Charleston financing data
Published figures only, each with its source and date. Not a rate quote, and not a commitment to lend.
$832,750
2026 conforming loan limit, one unit
Kanawha County, WV. Above this, a loan is a jumbo. Source: FHFA
National 30-year fixed market average, month-end close
| Month | Conventional | FHA | VA |
|---|---|---|---|
| Aug 2026 | 6.87% | 6.40% | 6.42% |
| Sep 2026 | 7.60% | 7.25% | 7.25% |
| Oct 2026 (to October 16) | 7.37% | 6.99% | 7.01% |
The conventional average moved up 0.50 percentage points between August 31, 2026 and October 16, 2026.
National averages from the Mortgage News Daily daily rate index, as of October 16, 2026. These are market averages for top-tier borrowers, not East Coast Mortgage rates and not an offer of credit. Your rate depends on your credit, loan amount, property, and the market on the day you lock. Weekly market recaps
Licensed to serve Charleston
Real loan officers, individually licensed for all of West Virginia.
Popular programs in Charleston
Every loan program below is available to Charleston borrowers. See all 23 →
Home Loans for Military Families
Home loans backed by the VA for active-duty service members, veterans, and some spouses, with no monthly mortgage insurance.
FHA LoanEasier to Qualify For
A lower credit score and a smaller down payment are OK. A common choice for first-time buyers.
Conventional LoanThe Standard Option
For buyers with solid credit and some savings. Usually the lowest-cost choice if you qualify.
USDA LoanHome Loans Outside the City
Backed by the USDA for buyers in eligible small towns and suburbs, more areas than most people expect.
Jumbo LoanFor Higher-Priced Homes
When a home costs more than a standard loan covers, this is built for it.
RefinancingTrade In Your Current Loan
Lower your rate, change your term, or turn your equity into cash.
Not in Charleston? See all of West Virginia.
Licensed loan officer? See openings in West Virginia →
Sources
- FHFA: Conforming loan limit values
- HUD: FHA mortgage limits lookup
- Mortgage News Daily: Daily mortgage rate index
General information, not advice for your specific situation. Program rules come from the agencies above and from each lender, and they change. A licensed loan officer confirms what applies to you.
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Ready to find your yes in Charleston?
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NMLS #2354674 · Equal Housing Opportunity · Not a commitment to lend