Fairmont/Morgantown Housing Authority

Fairmont/Morgantown Housing Authority offers homeownership counseling for any potential homeowner. Certified housing counselors are available to develop individual homeownership plans to establish goals and objectives to meet the need of the client.

Individual Housing Counseling

The Fairmont Housing Authority will provide individual housing counseling in a one-on-one setting with individuals interested in pursuing homeownership. During individual counseling, a credit report is pulled and reviewed, and credit repair/repayment plans are made. Individual family budgets are reviewed and benchmarks are slated for achieving the final goal of homeownership. Counselors can assist in reviewing loan documents and pre-closing paperwork.

Loan Eligibility and Pre-Application

The Fairmont Housing Authority will help clients in determining loan eligibility for a various loan products.

Individual Post Purchase Counseling

The Fairmont Housing Authority will provide individual post purchase education to any homebuyer after purchase. Individual counseling sessions will be established based on homebuyer need and will include review of family budget, maintaining personal finances, home repair, and any factors that may lead to delinquency.

For more information or to obtain a Homeownership Profile, please email Donna Lane or call 304-363-0860 ext. 127.

Click here for Homeownership Profile/Intake to get started.

Frequently Asked Questions

How long does it take to get a house?

This is based on mortgage readiness; credit score, steady employment, savings and collateral.

How long does it take to increase your credit score?

The length of time depends on many factors; payment history, limit owed verses credit balance, number of inquiries, amount of accounts, paying down debt.

How do I find a HUD house?

Refer to the HUD website; the Housing Authority does not retain a list.

Does the Housing Authority select a house for us?

After becoming Mortgage ready we recommend that you select a reputable realtor to help you with the house hunting process, the housing Authority may have houses for sell, we could provide you with a list of those houses available.

How do I get started in the home buying process?

By completing a profile that allows the Housing counselor to gather information, after the profile is received we will schedule a counseling appointment, pull your credit at the appointment your individual assessment will be completed and an action plan will be prepared.