The ability to effectively and efficiently close a hard money transaction can be difficult for newer lenders without the years of experience we have. Having been in business for nearly 30 years, through the booms and busts, EquityMax understands that attention to detail is important and that markets are cyclical. Oftentimes, understanding industry nuance is the difference between closing a deal or having a borrower lose out on an investment opportunity. Let our years of experience make sure your deal funds on time, every time, in as little as 48 hours.

Hard Money Loans For Your Next Deal In West Virginia

Flexible and Competitive Terms

There are several hard or private money options that investors currently have at their disposal in today’s active marketplace. EquityMax is looking to be the industry lender that offers the best combination of term, rate, points, while also minimizing third-party costs. If you find a better deal, we will always look to beat the competition.

Large Geographic Landscape

Investing around the state has never been easier, with simplified and transparent financing options throughout the state. Investors in Charleston, Morgantown, and even rural areas receive multiple EquityMax hard money loan proposals on each deal. More options at a borrower’s disposal means multiple avenues to maximize his or her return on investment.

Customized Solution For Your Next Loan

We are always receptive to client feedback, whether this is your first deal as an investor or are a returning borrower. The EquityMax team will always look at your deal points, ensuring it makes sense from a borrower and lender perspective. Simply put, we always tailor financing terms and criteria that will enable your deal to be as profitable as possible.

Speak To The Owners

At EquityMax, we believe in having our clients speak directly with the bosses. We are a family owned-and-operated lender of our own funds. The owners of the company are the final decision makers and are happy to chat directly with you about your particular financing needs on each and every real estate investment project.

Close In 48 Hours Or Less! Ready To Get Started On Your Next Deal In West Virginia?

Latest Success Story

A partnership of two investors found a great deal in rural West Virginia, but not many lenders were willing to finance in a remote location of the state. EquityMax had a great loan program lined up for smaller homes in rural areas, and the borrowers successfully leveraged the loan to profit on the transaction.

Rural Single Family

Location – Lewisburg, WV

Loan Amount – $55,000

Purchase Price – $70,000

Loan Type – Purchase

Term – 12 Months – 17 years (Borrower Option)

Rehab Amount – $15,000

Actual Retail Value – $120,000

Profit – $40,000

Driving Factors For West Virginia Real Estate Market

Buyers Flock To Parkersburg

Parkersburg has a median home value that is nearly 15% less than the state average and is prime to attract younger buyers looking for more affordable housing, or even their first home.

Low Inventory

Similar to the rest of the United States, West Virginia is struggling with low housing inventory. Even before the pandemic, the state’s major cities had relatively few listings, so it’s been even worse since the start of COVID, and even since the Pandemic ended.

Moving To The Suburbs

The pandemic and its after effects has shifted the workplace to the home so it wouldn’t be surprising to see residents flee to the suburbs for more purchase power and flexible floor plans.

West Virginia Real Estate Market Breakdown


Median Home Value


Foreclosure Properties


Bank Owned Properties



Popular Counties: Berkeley, Monongalia, Kanawha, Jefferson, Marion

EquityMax Insight

West Virginia has shown itself as a profitable market for real estate investors looking to flip, wholesale, or rent since the Great Recession. With the state trending in line with the rest of the country in terms of home appreciation, finding attractive profit margins has been harder to come by, however we encourage investors to network with fellow investors and even local REIAs for new opportunities. Additionally, building a rental portfolio in West Virginia has shown to be very profitable for investors navigating the post pandemic effects of low inventory and high demand.

What Our Clients Say

November 17, 2022

“For smaller deals in rural locations, there is only one lender I trust to close, and that’s EquityMax.” 

Loan Programs

Fix and Flip / Cash-Out REFI

High LTV / Low Rates / Flexible TermMinimal Insurance RequirementsZero Prepayment Penalty

Foreign National Loans

ZERO Credit or Qualification RequirementsNo Personal Guarantee RequiredFree Comparable and Repair Analysis

Transactional Funding

Catering to Real Estate Wholesalers1-3 Day FundingMinimal Notice to Close

Non-Recourse Lending

Invest through a Self-Directed IRA or Solo 401KNet Proceeds from Investing are Tax-DeferredNo Personal Guarantee

Have You Been Previously Denied By A Lender? Get A Second Chance With EquityMax

Did You Know

EquityMax has a stable of borrowers from their home state of Florida that have also invested in West Virginia.

Frequently Asked Questions

EquityMax has yet to foreclose on a property in West Virginia, but we notify our mailing list should we ever take back a property from a defaulting borrower.

EquityMax uses density as a factor for LTV, but will not deny a loan based strictly on population.

Given that EquityMax does not fund the rehab, we do not look at that component during underwriting.  This leads to a more streamlined approval process and quicker closing timelines.

Receive Immediate Pre-qualification Within 10 Minutes!