Premier Mortgage, LLC is a real estate lending company located in Morgantown, WV. With over 80 years of combined mortgage experience, our team specializes in providing fast and hassle-free mortgage services to clients throughout the state of West Virginia. We offer highly competitive rates and a variety of loan programs to suit different needs.

Our services include:

1. 100% Financing USDA Program: This program offers a 30-year fixed-rate mortgage with 100% financing, making it ideal for first-time buyers who don't have to put down their entire savings or any money at all.

2. VA Mortgage Program: Designed for Veterans and active-duty personnel, this program enables them to purchase or refinance a home with favorable terms. With a Veteran on staff, Premier Mortgage is dedicated to serving our Veterans.

3. FHA Mortgage Program: Our most flexible program, the Federal Housing Administration's Mortgage program can qualify more borrowers compared to other lenders. With just a 3.5% down payment requirement, this program can turn your home buying dream into a reality, even with slightly lower credit scores or higher debt ratios.

4. Conventional Loan Programs: We provide Conventional Programs that cater to various needs, offering terms ranging from 7 to 30 years. First-time homebuyers can benefit from a 3% down option, while borrowers with previous ownership experience can enjoy rates as low as 5% down. We also offer discounted private mortgage insurance (PMI) and competitive pricing to help lower your payments.

5. Doublewide Lending: Whether through the FHA Program or Conventional Financing, we can finance doublewide homes on a permanent foundation. With FHA, only a 3.5% down payment is required, while Conventional loans allow purchases with just a 5% down payment.

6. Confirming High Balance Program Non-Jumbo: Through this program, borrowers can acquire their dream house without the high-interest rates and regulations of jumbo loans. We lend up to 90% loan-to-value with no PMI, and our program covers loan amounts up to $726,525 using regular Conventional program rates and guidelines.

7. Rate/Term Refinancing or Cash-Out Refinancing: Whether you want to refinance your current mortgage into a lower rate or term, or utilize your home equity for debt consolidation or home improvements, we offer all the necessary programs to meet your needs.

Our team at Premier Mortgage is led by owners Mr. Jonathan Cooper and Mr. Courtney Cooper, who combined their expertise to establish the company in July 2007. Our knowledgeable loan officers - Allison Paton, Johnathan ONeal, Chad Cooper, Bob Cooper, and Robert Glowacky - are committed to ensuring your borrowing process is successful.

We value our clients and their satisfaction is our priority. Don't just take our word for it, read what our clients have to say about us! We are located at 5000 Hampton Center Suite 4, Morgantown, WV 26505. For any inquiries or mortgage assistance, please contact us at 304-284-9292 or jonathancooper@premiermortgagewv.com. Premier Mortgage is licensed under NMLS #218226 and is powered by Mountaineer Tech.