Huntington, WV Mortgages & Expert Home Financing in the Tri-State Area

Located along the scenic Ohio River, the Huntington metropolitan area is a vibrant hub of education, culture, and industry that offers a diverse and stable real estate market. At The Smith Mortgage Group, we are committed to helping Huntington residents navigate their homebuying journey with confidence by providing personalized financing solutions and competitive mortgage rates tailored to the Tri-State region. Whether you are a first-time buyer looking near Marshall University or a growing family seeking a home in the historic neighborhoods of Cabell County, our expert team provides the local market knowledge and specialized loan programs—from FHA and VA to customized conventional products—to help you achieve your goals in the “Jewel City.”

Start your mortgage journey today.

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📍 Address: 605 Delray Street Shelbyville, TN 37160

mortgage refinancing options with The Smith Mortgage Group
Huntington WV Mortgages | Cabell County Home Loans | The Smith Mortgage Group

Huntington Mortgages: Financing the "Jewel City"

Welcome to Huntington, a vibrant river city where Appalachian hospitality meets the forward-thinking energy of Marshall University. From the historic charm of the Ritter Park area to the bustling riverfront, Huntington offers a high quality of life with a cost of living that remains one of the lowest in the region cite: source. The Smith Mortgage Group is dedicated to providing the local expertise you need to secure a home in this flourishing community cite: source.

We provide specialized lending for the professionals driving Huntington’s growth, including those at Marshall Health, Mountain Health Network, and the U.S. Army Corps of Engineers cite: source.

Market Outlook: Huntington in February 2026

As of early 2026, the Huntington market is defined by its Balanced Conditions and exceptional value cite: source. With a median list price of approximately $157,000 to $223,000 depending on the specific neighborhood, Huntington remains a primary target for first-time buyers and investors alike cite: source. Inventory has stabilized, and homes are currently averaging 58 to 60 days on market, giving buyers ample time to find the perfect fit cite: source. Property values are projected to grow a healthy 4.8% this year, ensuring your investment is built on solid ground cite: source.

Custom Loan Programs for Cabell County

We leverage powerful state and local tools to make homeownership in Huntington more accessible than ever cite: source, source:

  • WVHDF Homeownership Program: Low-interest, 30-year fixed mortgages with options for 100% financing for qualified buyers cite: source.
  • Low Down Home Loan: A secondary 2% interest loan providing up to $8,000–$10,000 for down payments and closing costs cite: source.
  • Huntington First-Time Buyer Credits: Specialized incentives for those looking to plant roots within city limits cite: source.
  • USDA Rural Housing: Zero-down payment opportunities for properties in the scenic outskirts of Cabell and Wayne counties cite: source.
  • VA & FHA Excellence: Competitive government-backed loans with flexible credit requirements starting at a 580 score cite: source.
"Huntington is more than just a place to live; it's a community that supports its own. Our mission is to provide the transparent, honest financing that helps this city thrive, one home at a time." — The Smith Mortgage Group Philosophy cite: source

Homeowner Success Tools

Investment & Renovation

Capitalize on the demand in the University District or restore a historic gem in Highlawn with our specialized renovation and investment loan products cite: source.

New Community Growth

Looking at new developments in Barboursville or Pea Ridge? Our construction-to-permanent loans offer a seamless path from breaking ground to move-in day cite: source.

Equity Optimization

If you're already a Huntington homeowner, explore a Cash-Out Refinance to leverage recent market appreciation for home upgrades or debt consolidation cite: source.

Featured Huntington Neighborhoods

Southside: A prestigious area near Ritter Park known for historic mansions and tree-lined streets cite: source.
Pea Ridge: A popular residential suburb offering modern builds and highly-rated school districts cite: source.
Highlawn: An established neighborhood with classic architecture and a strong sense of community cite: source.
Barboursville: A high-growth area nearby featuring the state’s largest shopping mall and beautiful parks cite: source.

Huntington Real Estate FAQ

What is the average time to sell a home in Huntington? +

In the current 2026 market, homes in the Huntington-Ashland metro area are selling in a median of 58 to 60 days cite: source.

Can I buy a home in Huntington with no money down? +

Yes. Through the WVHDF Homeownership Program or a USDA/VA loan, many Huntington buyers qualify for 100% financing options cite: source.

What is the credit score requirement for a WVHDF loan? +

Generally, a minimum FICO score of 620 is required to access West Virginia Housing Development Fund programs cite: source.

Apply Now / Get Pre-Qualified cite: source

Expert guidance for your Huntington home search cite: source.

Contact The Smith Mortgage Group

Contact The Smith Mortgage Group

Sterling Smith, VP & Branch Manager

Phone: 931-205-9873

Email: sterling.smith@fcmhomeloans.com

Address: 605 Delray Street, Shelbyville, TN 37160

Serving all 50 states with specialized expertise in Alabama mortgage markets.

What Our Clients Say

Our happy clients share their experiences with us.
“Working with The Smith Mortgage Group made the home-buying process seamless. Their team was professional and supportive every step of the way!”
Jessica R.
Jessica R.
“The Smith Mortgage Group helped me understand my options clearly. Their guidance was invaluable in securing my first home!”
Mark T.
Mark T.
“Thanks to The Smith Mortgage Group, I felt empowered throughout my mortgage journey. Their expertise made all the difference!”
Lisa K.
Lisa K.
“I appreciated the transparency in the entire process. The team was always available to answer my questions and provide support.”
Brian H.
Brian H.
Areas We Serve - The Smith Mortgage Group

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Smith Mortgage Group - Services
Our Services

Every Dream Home Deserves the Right Mortgage

Flexible loan programs designed to fit your unique situation

🏡

Conventional Mortgages

Traditional 15-year and 30-year fixed-rate mortgages with competitive rates and flexible down payment options.

  • 5% - 20% down payment
  • Fixed & adjustable rates
  • Rate locks up to 60 days
  • Quick pre-approval
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🎯

FHA Loans

Perfect for first-time homebuyers with as low as 3.5% down payment and flexible credit requirements.

  • 3.5% minimum down
  • Lower credit score OK
  • Mortgage insurance included
  • Gift funds allowed
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🎖️

VA Loans

Exclusive benefits for veterans, active military, and surviving spouses with zero down payment required.

  • 0% down payment
  • No PMI required
  • Competitive rates
  • Lifetime eligibility
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🌾

USDA Loans

Zero down payment options for rural and suburban homebuyers in eligible areas.

  • 0% down payment
  • No PMI required
  • Favorable rural rates
  • Income limits apply
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💎

Jumbo Mortgages

Financing for high-value properties exceeding conventional loan limits with competitive rates.

  • Luxury home financing
  • Competitive jumbo rates
  • 10-20% down typical
  • Expert guidance
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🔄

Refinancing

Lower your payments, access equity, or switch loan types with our streamlined refinance process.

  • Lower monthly payments
  • Cash-out options
  • No appraisal options
  • Fast processing
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🏗️

Construction Loans

Financing for homeowners building new homes or undertaking major renovations with interest-only payments during construction.

  • Interest-only during construction
  • Automatic conversion to permanent
  • Inspections tied to disbursement
  • Expert project coordination
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🏢

Investment Property

Specialized financing for real estate investors purchasing rental properties, fix-and-flips, and multi-unit properties.

  • Portfolio lending options
  • Flexible qualification
  • Rapid funding for deals
  • Investment strategy guidance
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🔍

Specialized Programs

Credit challenged loans, bank statement programs, and non-traditional income verification for unique borrower situations.

  • Alternative income documentation
  • Non-traditional credit evaluation
  • Self-employed solutions
  • Flexible qualification
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🤝

Mortgage Consulting

Expert advice on loan selection, rate shopping, financial planning for homeownership, and refinancing strategies.

  • Personalized loan recommendations
  • Financial planning consultation
  • Rate comparison analysis
  • Pre-approval guidance
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Discover the full range of our mortgage services and find the perfect option for your home financing needs.

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Mortgage Insights & Homeowner Resources

Navigating the real estate market requires expert knowledge and up-to-date information. Our educational hub is designed to empower you with essential guides, covering everything from first-time homebuyer tips and refinancing strategies to the latest market updates and mortgage industry news. Whether you are planning to purchase an investment property or simply want to understand mortgage rates today, our resources provide the clarity you need to make confident financial decisions