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During the weekend of August 7-10, online services including SmartLink, BizLink and Mobile Banking will be unavailable as we perform system enhancements. We apologize in advance for any inconvenience and look forward to the opportunity of providing additional services to our valued customers in the near future as a result of these upgrades.

USDA Loans

The Clear Mountain Bank Mortgage App enhances the lending experience for both the borrowers AND Realtors.

A USDA loan, also known as Rural Housing loans, offers loans for low-to-moderate income borrowers in designated rural and suburban areas.

These loans offer:

  • No down payment requirement
  • Fixed rates
  • Closing costs may be financed if appraisal value is higher than purchase price
  • No reserve requirements
  • No pre-payment penalties
  • Lower monthly mortgage insurance premiums compared to conventional mortgage insurance

Ready To Apply For A USDA Loan?

Whether you are buying your first property or your fourth, we understand it can be a big and often daunting decision. That's why we want to make applying for your home loan quick and easy.

The Clear Mountain Bank Mortgage Advantage

With Clear Mountain Bank, our team is dedicated to being your complete resource for your mortgage lending needs. Voted Best Bank in Morgantown by Morgantown Magazine, we are a locally-owned, community-driven bank that offers the best rates, quick decisions, and exceptional service.

With 13 branch locations throughout North Central West Virginia and Oakland, Maryland, we are conveniently situated to offer mortgage loans and refinancing for Monongalia County, Preston County, Marion County, Harrison County, Taylor County, Doddridge County, Wetzel County, and more. Contact us today to learn more about the advantages of banking with a local, community bank that cares about you.

Your Mortgage Resource Center

Looking for more information regarding your mortgage or loan process? Be sure to review our resource center for more information.

Meet Our Team of Mortgage Specialists

What Are The Current Mortgage Rates?

Read more on our mortgage principal and interest rates on a particular loan you may be considering.

Read Our Reviews