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Free foreclosure help in West Virginia

Free foreclosure help exists in West Virginia, and who to call first depends on where you are in the process. The West Virginia Homeowners Rescue Program is closed, so most help today is free counseling, legal aid and complaint handling. Every organization below is a government office or a nonprofit, except the lawyer referral service, which connects you with private attorneys. None of them should charge you an upfront fee to save your home.

Free HUD counselor: (800) 569-4287

Reviewed against West Virginia law and official sources on October 12, 2026. General information, not legal advice.

Ask for help in West Virginia

Free. A person replies with the options and official help that fit. Messages about a scheduled sale are answered first.

For example: a sale date, what your servicer has told you, or what changed in your income. Please do not include your loan number, Social Security number or bank details.

Free, and there is nothing to buy. A person reads your message and replies by email, or by phone if you leave a number. We never ask for a fee and we do not sell your details. See the privacy policy.

Who to call first, by situation

  • You are not behind yet but expect to be

    As soon as you see trouble coming

    Call your servicer about hardship options and talk to a HUD-approved housing counselor for free. If the Fund holds your loan, West Virginia Housing Development Fund: Help for Homeowners offers mortgage assistance and can refer you to certified housing counselors.

  • You are behind but have not received a notice

    Before you are 120 days behind

    Ask your servicer for a loss mitigation application and send everything it asks for. A HUD-approved counselor can help you fill it out. Apply early for advice through Legal Aid of West Virginia: Apply for Help.

  • You received a right-to-cure notice or a notice of sale

    The same day; the cure period can be as short as 10 days

    Call Legal Aid of West Virginia at 866-255-4370, which provides free civil legal help to eligible West Virginians, including foreclosure defense. For lending abuse or a sale scheduled while a modification was pending, also contact Mountain State Justice.

    W. Va. Code §§ 38-1-4, 46A-2-106

  • A sale date is set

    Today

    Call the trustee named in the notice of sale to confirm the date and ask for a written payoff or reinstatement figure, and call your servicer about any pending application. If you do not qualify for legal aid, the West Virginia State Bar Lawyer Referral Service can refer you to a private lawyer.

    W. Va. Code § 38-1-4

  • Your servicer is not following the rules

    Before the sale if possible

    File a complaint with the West Virginia Division of Financial Institutions: Consumer Complaints if your lender or servicer is state-licensed, and with West Virginia Attorney General: File a Consumer Complaint for unfair lending or collection practices. Talk to legal aid too.

  • You got court papers after the sale

    Before the court date on the summons

    Call Legal Aid of West Virginia right away. West Virginia Judiciary: Court Forms has the state courts' forms and public resources.

    W. Va. Code § 55-3-3

  • A foreclosure rescue company contacted you

    Before you sign or pay anything

    Be very careful with anyone who wants an upfront fee or asks you to sign over your deed. Never sign over your home to someone who says you can stay. Report it through West Virginia Attorney General: File a Consumer Complaint.

Official and nonprofit help in West Virginia

None of these charge homeowners for foreclosure help.

West Virginia Homeowners Rescue Program

The West Virginia Housing Development Fund announced that the West Virginia Homeowners Rescue Program is closed to new applications. Reports of that announcement give the portal closing date as May 8, 2024. We did not find another statewide mortgage payment program that is open. The Fund has a help page for homeowners whose loans it holds.

Check the program’s current status

Common questions in West Virginia

Where can I find a free foreclosure lawyer in West Virginia?

Start with Legal Aid of West Virginia, which offers free civil legal help to eligible residents. Call its helpline at 866-255-4370 or apply online. Mountain State Justice, a nonprofit law firm, also represents some homeowners in cases against mortgage lenders and servicers. If you do not qualify, the West Virginia State Bar Lawyer Referral Service can help.

Is the West Virginia Homeowners Rescue Program still open?

No. The West Virginia Housing Development Fund announced that the program is closed to new applications, and the U.S. Treasury says federal Homeowner Assistance Fund money could no longer be used after 30 September 2026. We did not find another open statewide mortgage payment program in West Virginia.

Can the West Virginia Housing Development Fund help if it does not hold my loan?

Its mortgage assistance is for WVHDF borrowers only, and its Help for Homeowners page tells other borrowers to contact their servicer. The page also points to housing counseling and to 211 for county-by-county information on other financial help in West Virginia.

Step by step

More on foreclosure in West Virginia

Understand the process

What is happening and how much time there is.

Weigh your options

What can stop it, and what happens if it goes ahead.

Get help now

Who to call, and what to do when a sale is scheduled.

Back to the West Virginia overview

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Sources for this page

  1. W. Va. Code § 38-1-5 (terms of sale)
  2. W. Va. Code § 38-1-13 (substitution of trustees)
  3. West Virginia Housing Development Fund: Help for Homeowners
  4. Mountain State Justice
  5. W. Va. Code § 38-1-3 (sales under trust deeds)
  6. W. Va. Code § 38-1-4 (notice of sale)
  7. W. Va. Code § 38-1-4a (statute of limitations for sales by trustees)
  8. W. Va. Code § 38-1-7 (application of proceeds; action to recover a deficiency)
  9. W. Va. Code § 46A-2-106 (notice of consumer's right to cure default)
  10. W. Va. Code § 59-3-2 (legal advertisements; frequency of publication)
  11. WVHDF news release: WV Homeowners Rescue Program closed to new applications
  12. Legal Aid of West Virginia: Foreclosure podcast
  13. W. Va. Code § 38-1-8 (return of account of sale)
  14. W. Va. Code § 38-1-8a (trustee's report of sale disclosure form)
  15. W. Va. Code § 38-1-16 (sale under deed of trust; preexisting tenancy)
  16. W. Va. Code § 46A-1-102 (definitions; consumer loan)
  17. W. Va. Code § 55-3-1 (unlawful entry and detainer)
  18. W. Va. Code § 55-3-3 (return day and service of summons)