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You’re not alone if you’re considering a home purchase in Wyoming. With almost 279,000 housing units and a 70% homeownership rate, according to the U.S. Census Bureau’s 2018 American Community Survey, Wyoming is a state where a majority of households own their homes.
The national median home value of $229,700 is virtually tied with Wyoming’s median housing value of $230,500. Depending on the home you’re looking to purchase and the area you’re considering, the price of a home could be higher or lower than average.
U.S. News’ Best Wyoming Mortgage Lenders of 2021
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Before You Apply
- Mortgage types: conventional, FHA, VA, USDA, ARM, Carrington Flexible Advantage, first-time buyers, refinancing
- Minimum FICO credit score: 500
- Maximum loan amount: $2.5 million
- Better Business Bureau rating: A+
Best Features
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Applicants with credit scores as low as 500 are accepted for some products.
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Conventional loans are offered with down payments as low as 3%.
Before You Apply
- Mortgage types: fixed rate, ARM, conventional, USDA/Rural Development, FHA, VA, jumbo, refinance, renovation, reverse mortgage
- Minimum FICO credit score: 580
- Maximum loan amount: undisclosed
- Better Business Bureau rating: A+
Best Features
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The selection of mortgages includes VA and USDA loans, which often have no down payment requirements.
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The company has an A+ customer service rating with the Better Business Bureau.
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Renovation loan options include the HomeStyle Renovation Loan, which combines the cost of remodeling and the mortgage into one loan.
Best for consumers with credit scores between poor and good
Before You Apply
- Mortgage types: conventional, fixed rate, ARM, FHA, refinance, VA, FHA Streamline Refinance, Refi Plus, VA Streamline Refinance
- Minimum FICO credit score: 620
- Maximum loan amount: Not disclosed
- Better Business Bureau rating: A+
Best Features
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Borrowers with fair credit may qualify.
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It features a simple online application process.
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VA loan borrowers aren’t charged lender fees.
Before You Apply
- Mortgage types: conventional, FHA, VA, USDA, ARM, refinancing, renovation, jumbo
- Minimum FICO credit score: 620
- Maximum loan amount: $2 million
- Better Business Bureau rating: A+
Best Features
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A broad range of mortgage products are offered.
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Special mortgage programs for first-time buyers and manufactured homebuyers are available.
Before You Apply
- Mortgage types: VA, VA jumbo, refinance
- Minimum FICO credit score: 640
- Maximum loan amount: $1.5 million
- Better Business Bureau rating: A+
Before You Apply
- Mortgage types: fixed rate, Affordable Loan Solution, FHA, VA, ARM, home equity line of credit, fixed-rate refinancing, FHA refinancing, VA refinancing, cash-out refinancing, adjustable-rate refinancing, jumbo
- Minimum FICO credit score: Not disclosed
- Maximum loan amount: $2.5 million
- Better Business Bureau rating: A+
Best Features
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Bank of America has a wide variety of mortgage products.
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The lender offers origination fee discounts for qualifying Bank of America and Merrill Lynch clients.
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Home equity lines of credit have no annual, application or cash advance fees or closing costs.
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Bank of America offers a first-time homebuyer program.
Before You Apply
- Mortgage types: fixed rate, FHA, VA, USDA, ARM, home equity line of credit, refinancing, medical professional mortgage program, jumbo, PNC Community
- Minimum FICO credit score: Not disclosed
- Maximum loan amount: $5 million
- Better Business Bureau rating: A+
Best Features
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Multiple types of mortgages are available.
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Some mortgage options require no or low down payments.
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PNC supplies an online home ownership cost tool.
Before You Apply
- Mortgage types: Traditional, ARM, refinancing, home equity line of credit, Alliant Advantage Mortgage
- Minimum FICO credit score: 620
- Maximum loan amount: $2.5 million
- Better Business Bureau rating: A+
Best Features
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No-down-payment mortgages are available for first-time homebuyers with excellent credit.
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Mortgages are available to borrowers with FICO credit scores as low as 620.
Before You Apply
- Mortgage types: conventional, FHA, VA, USDA, ARM, refinancing, bond, renovation, Freddie Mac HomeOne, Freddie Mac Home Possible, Fannie Mae HomeReady
- Minimum FICO credit score: 620
- Maximum loan amount: $3 million
- Better Business Bureau rating: A
Best Features
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The first-time homebuyer program HomeOne can require a down payment of as little as 3% and borrowers may qualify with a minimum 620 credit score.
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Government-insured loans including Federal Housing Administration, Veterans Affairs, and United States Department of Agriculture programs are available.
Before You Apply
- Mortgage types: conventional, FHA, VA, USDA, jumbo, All in One Loan, 203K Renovation Loan, Fannie Mae HomeReady, Freddie Mac Home Possible, HomeFundIt, refinance
- Minimum FICO credit score: 620
- Maximum loan amount: $3 million
- Better Business Bureau rating: A+
Best Features
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Exclusive mortgage products include the HomeFundIt for crowdfunding a down payment.
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The lender has a national presence with regional fulfillment and local support.
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CMG Financial offers a mobile app.
What Are the Mortgage Rates in Wyoming?
Home interest rates range from 2.49% to 3.63% in Wyoming.
What Are Today’s Mortgage Rates?
Mortgage Calculator
Is your dream home within reach? U.S. News’ mortgage calculator will show you how much house you can afford.
What Are Some Wyoming Homebuyer Programs?
Wyoming homebuyers can get low interest rates as well as help with down payments and closing costs from these Wyoming Community Development Authority (WCDA) programs.
- Available to: Wyoming first-time homebuyers or those who have not owned an interest in a primary residence in the past three years and are purchasing a primary residence on 10 acres or less.
- Income limits: Vary by county and household size (see income limits).
- First-time homebuyers only?: No.
- Benefits: Low fixed interest rates. Buyers can also use the Homestretch Down Payment Assistance program.
- Available to: Wyoming first-time homebuyers or those who have not owned an interest in a primary residence in the past three years and are purchasing a primary residence on 10 acres or less.
- Income limits: Vary by county and household size (see income limits).
- First-time homebuyers only?: No.
- Benefits: Offers financing for purchase and rehabilitation of a home in one loan.
- Available to: Wyoming homebuyers using First-Time Homebuyer or Spruce Up programs with a minimum credit score of 620 and a minimum $1,500 borrower contribution.
- Income limits: Vary by county and program you’re using the assistance with.
- First-time homebuyers only?: No.
- Down payment and closing cost assistance: Up to $10,000 for down payment, closing costs and prepaids assistance in the form of a 0% interest rate loan with no monthly payments, due upon sale of the home, refinance or 30-year maturity.
- Available to: Wyoming homebuyers with a minimum credit score of 620 who are purchasing a principal residence with 10 acres or less with the intention of living there for at least one year.
- Income limits: Vary by county (see income limits).
- First-time homebuyers only?: No.
- Benefits: Can be used in conjunction with the Amortizing Down Payment Assistance program or the Mortgage Credit Certificate program.
- Available to: Wyoming homebuyers using HFA Preferred program with a minimum credit score of 620 and a minimum $1,500 borrower contribution.
- Income limits: Vary by county and program you’re using the assistance with.
- First-time homebuyers only?: No.
- Benefits: Up to $10,000 for down payment, closing costs and prepaids assistance in the form of a 10-year, fixed interest rate loan that is fully amortizing.
- Available to: Wyoming first-time homebuyers or those who have not owned an interest in a primary residence in the past three years and are purchasing a primary residence.
- Income limits: Vary by county and household size (see income limits).
- First-time homebuyers only?: No.
- Benefits: A federal tax credit to the homebuyer’s federal tax liability based on a calculation using mortgage interest paid.
View More Best Wyoming Mortgage Lenders
Before You Apply
- Mortgage types: conventional, VA, ARM, FHA, USDA, jumbo, refinance, home equity
- Minimum FICO credit score: Not disclosed
- Maximum loan amount: $3 million
- Better Business Bureau rating: A+
Best Features
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Flagstar Bank provides a broad selection of mortgages and home equity loans.
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Some mortgages require no or a low down payment.
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Borrowers can apply for loans online.
Before You Apply
- Mortgage types: refinance, jumbo, hybrid ARM, fixed rate, HARP, VA, FHA, 203k loan
- Minimum FICO credit score: 620
- Maximum loan amount: $3 million
- Better Business Bureau rating: A+
Best Features
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LoanDepot mortgages have a lifetime guarantee, which means if you ever decide to refinance an existing LoanDepot loan, the company will waive the lender fees and reimburse appraisal fees.
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The company offers a variety of mortgage products.
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It’s licensed in all 50 states.
Best for digital customer care
Before You Apply
- Mortgage types: fixed rate, ARM, conventional, cash-out refinance, refinance, jumbo, FHA, VA, USDA, new construction, interest rate reduction refinance loan
- Minimum FICO credit score: 640
- Maximum loan amount: undisclosed
- Better Business Bureau rating: A+
Best Features
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Homebuyers can choose from a variety of mortgage products.
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Home loans are available nationwide.
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Down payment and closing cost assistance is available.
Before You Apply
- Mortgage types: conventional, jumbo, FHA, VA, USDA, HomeReady, High Balance/Super Conforming, Energy Efficient Mortgage, FHA
- Minimum FICO credit score: Not disclosed
- Maximum loan amount: $2 million
- Better Business Bureau rating: A+
Best Features
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Varied loan options are available.
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McGlone Mortgage Group offers mortgage calculators and other tools.
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Co-signers are allowed for most loans.
Best for conventional mortgage
Before You Apply
- Mortgage types: conventional, ARM, refinance, HELOC, jumbo, fixed rate
- Minimum FICO credit score: undisclosed
- Maximum loan amount: undisclosed
- Better Business Bureau rating: A+
Best Features
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Citizens Bank provides a homebuying service with rewards for borrowers in select states.
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Homebuyers can get an interest rate discount for qualifying automatic payments.
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Borrowers can apply online.
Before You Apply
- Mortgage types: conventional, FHA, VA, ARM, refinancing
- Minimum FICO credit score: 620
- Maximum loan amount: $765,600
- Better Business Bureau rating: A+
Best Features
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PennyMac accepts a 50% debt-to-income ratio for conventional loans in some instances.
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Online capabilities include a 24/7 access center and email status updates.
Before You Apply
- Mortgage types: ARM, cash-out refinance, conventional, FHA, HELOCs, jumbo, reverse, USDA and VA
- Minimum FICO credit score: 620
- Maximum loan amount: $3 million
- Better Business Bureau rating: A+
Best Features
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Provides multiple mortgage options, including low and no down-payment loans
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Offers fixed- or adjustable-rate mortgages
Highlights
• Mortgage types offered: Conventional, FHA, VA, USDA, Refinancing (conventional), Refinancing (FHA), Refinancing (VA), Refinancing (USDA)
• Minimum FICO score: 620 (conventional), No minimum (VA), 540 (FHA), No minimum (USDA)
• Max DTI: Not disclosed
• J.D. Power satisfaction rating: Two out of five
Best Features
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Wide selection of mortgage loans.
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Prequalification is available.
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Borrowers with fair credit may qualify.
Before You Apply
- Mortgage types: conventional, refinancing, fixed-rate, ARM, affordable financing, Federal Housing Administration loans, Department of Veterans Affairs loans, USDA Rural Development loans, conventional financing for high-cost areas, doctor loan program, jumbo, premier loans for professionals and entrepreneurs
- Minimum FICO credit score: undisclosed
- Maximum loan amount: $3 million
- Better Business Bureau rating: A+
Best Features
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FHA, USDA and VA loans are available.
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Special terms are offered to medical professionals.
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An online application is available.
Advertising Disclosure: Some of the loan offers on this site are from companies
who are advertising clients of U.S. News. Advertising considerations may impact
where offers appear on the site but do not affect any editorial decisions,
such as which loan products we write about and how we evaluate them. This site
does not include all loan companies or all loan offers available in the marketplace.
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