West Virginia Code § 46A-3-102

Sales finance charge for certain consumer credit sales of real estate
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With respect to a consumer credit sale of real estate, other than a sale involving a mobile
home and real estate as referred to in section one hundred one of this article or goods which
become fixtures, where title is retained or there is created or retained by agreement a
purchase money lien against the real estate, the seller may contract for and receive a sales
finance charge not exceeding the interest permitted by section five, article seix, chapter forty-
seven of this code.
In addition to the sales finance charge permitted by this section with respect to such sale, a
seller may also contract for and receive additional charges, delinuquency charges, and
deferral charges and compute rebates upon prepayment, refinancing or consolidation as
defined and authorized by this chapter. t

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