As we continue to cross the country looking at some of the best mortgage rates available, we here at Peak Personal Finance turn to West Virginia to see what this beautiful state has to offer home buyers.

West Virginia might not be a very important state when it comes to financial institutions but it has one of the more moderate home loan rates. Best home loans in West Virginia are not offered by a single company but are a combination of rates offered under different terms and conditions and by a multitude of companies.

The best home mortgage rates for a down payment of 20% and a loan amount of $165,000 are as follows. In the 15 year fixed mortgage, AimLoan.com offers the lowest APR at 4.43%. Fees in APR are $1,995 and monthly payments are estimated at $1,241. Quicken Loans offer an APR of 4.624% and a monthly payment of $1,241; fees in APR are $1,600.

Flagstar Direct offers an APR of 4.665% with estimated monthly payments of $1,241 and fees in APR in the range of $1,200.

In the 30 year fixed mortgage option, AimLoan.com again takes the lead. It offers an APR of 4.739% with an estimated monthly payment of $836. Quicken Loans offer an APR of 5.222% with a monthly payment of $885. Flagstar Direct offers an APR of 5.311% with an estimated monthly payment of $892; fees in APR are $1,200.

In the 5/1ARM rates mortgages, AimLoan.com offers an APR of 3.224% with an estimated monthly payment of $696. Quicken Loans offer an APR of 3.579% with an estimated monthly payment of $764. Flagstar Direct offers an APR of 3.625% with an estimated monthly payment of $788.