West Virginia's Trusted Hard Money Lender for Real Estate Investors

West Virginia offers some of the lowest home prices in the eastern United States. The Eastern Panhandle, around Martinsburg and Charles Town, has grown as commuters look for value within reach of the Washington, D.C. area. Morgantown benefits from West Virginia University and its health system.

Unitas Funding provides West Virginia investors with fix-and-flip, new construction, bridge, and DSCR rental loans. Mountain State borrowers can access up to 92.5% loan-to-cost and rates from 8.99% from a lender with $4.5 billion funded.

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Fast, Reliable Capital for Your Next West Virginia Deal

Low entry prices mean West Virginia investors can put more money into the renovation and still hit their numbers. Unitas pre-approves in 24 hours and closes most loans in about 10 business days.

Fix & Flip Loans

Fix & Flip Loans

Older homes in Charleston, Huntington, Wheeling, and Morgantown are steady renovation candidates. Unitas funds purchase and rehab together, with 12-, 18-, or 24-month interest-only terms.

 

 

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New Construction Loans

New Construction Loans

Berkeley and Jefferson counties in the Eastern Panhandle continue to add new homes for commuters. Our construction loans fund the full build, with draws in 24–48 hours.

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Bridge Loans

Bridge Loans

Need to close on a West Virginia property before your current one sells? A Unitas bridge loan lets you move now.

 

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DSCR Loans

DSCR Loans for Rental Properties

WVU, Marshall University, WVU Medicine, and state government jobs in Charleston keep rental demand steady. Our DSCR loans qualify the property on its rental income.

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What Makes Unitas Different in West Virginia

  1. Mid-Atlantic Reach
    We lend across the region and understand how the Eastern Panhandle connects to the D.C. and Baltimore job markets.

  2. Value-Market Underwriting
    We size West Virginia loans around realistic resale and rent numbers for each city.
  3. Fast Draws
    Draws funded in 24–48 hours keep West Virginia projects on schedule through hilly, weather-sensitive sites.

  4. Ready Capital
    $4.5 billion funded means Unitas can support your West Virginia portfolio as it grows.

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Get Pre-Approved in 24 Hours
Found a West Virginia deal? Send us your numbers and get a pre-approval within 24 hours.

Frequently Asked Questions

How fast can Unitas close a hard money loan in West Virginia?

Most West Virginia loans close within 10 business days of a complete application.

Does Unitas lend in the Eastern Panhandle?

Yes. We fund projects in Martinsburg, Charles Town, Ranson, Shepherdstown, and the rest of Berkeley and Jefferson counties.

 

What leverage can I get on a West Virginia fix-and-flip?

Qualified investors can finance up to 92.5% of total project cost.

Can I use a DSCR loan for a West Virginia rental near WVU?

Yes. Our DSCR loans qualify the property on its rental income, not your personal income.

Which West Virginia cities does Unitas serve?

We lend statewide, including Charleston, Huntington, Morgantown, Parkersburg, Wheeling, Martinsburg, and Charles Town.

Ready to Fund Your Next West Virginia Real Estate Investment?

Unitas Funding gives West Virginia investors fast, reliable capital in one of the East's most affordable markets. From Morgantown rentals to new homes in the Eastern Panhandle, we fund projects across the state. Contact us today to discuss your next West Virginia investment.


Business-purpose loans for investment properties only. Not a commitment to lend. All loans subject to credit approval and underwriting.