State Guides

West Virginia loan processing.

What brokers and loan officers should know about closings and property rules in West Virginia, and how Hancock Processing works your files there.

Loan officer and borrower discussing loan processing in West Virginia

Is West Virginia a Title State or an Attorney State?

West Virginia is an attorney state. West Virginia treats conducting a real estate closing and examining title as the practice of law, so closings are handled by a West Virginia-licensed attorney or by staff working under an attorney's direct supervision.

Is West Virginia a Community Property State for Mortgages?

No. West Virginia is not a community property state, and it has abolished dower and curtesy.

Does a Non-Borrowing Spouse Need to Sign in West Virginia?

Not as an owner, but West Virginia law requires a married person who mortgages real estate to notify their spouse, before or within 30 days of the deed of trust. The spouse's signature on the deed of trust is one way to show that notice was given.

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West Virginia

Hancock Processing services in West Virginia

What Loan Types Does Hancock Processing Handle in West Virginia?

All of them. We process every loan type we offer in West Virginia, including conventional, FHA, VA, USDA, jumbo, Non-QM and DSCR loans, from the Eastern Panhandle and Morgantown to Charleston and Huntington.

How does Hancock Processing work with West Virginia closing attorneys?

Our processors coordinate with the closing attorney's office throughout the file.

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