Wyoming Program Highlights

Welcome Home Wyoming Program | At-A-Glance

Welcome Home Wyoming | At-A-Glance

AVAILABLE PROGRAMS Welcome Home Wyoming
ELLIGIBLE AREA Eligible Area
ELIGIBLE BORROWER(S) No first-time buyer requirement
RATES See Chart
DPA AVAILABLE See Chart
LOAN TYPE See Chart
INCOME LIMITS Income Limits
PURCHASE LIMITS There are no purchase price limits in this program
TIMELINE REQUIREMENTS 70 days from Reservation to Loan Purchase. Underwriter Certification any time prior to closing.
HOMEBUYER EDUCATION Homebuyer Education
CO-SIGNORS Co-Signer is permitted by the program subject to the Lender following all applicable loan agency and US Bank guidelines.
PROGRAM GUIDELINES Guidelines
PARTICIPATING LENDERS Participating Lenders

Today’s Rates & Offerings [ Business Days 8:00am – 6:00pm MT ]

Welcome Home Wyoming Program | Rates & Offerings

Unassisted & Grants

Welcome Home Wyoming Program


FHA, VA, USDA-RD, Fannie Mae HFA Preferred and Freddie Mac HFA Advantage


  • No first-time buyer requirement
  • Must be principal residence
  • Maximum Income limits
  • No Purchase price limits (Use Agency loan limits)
  • 70 calendar days from loan reservation to loan purchase
  • 1003 Credit qualifying income
  • FHA, USDA-RD, VA, Fannie Mae at 80% AMI or lower and Freddie Mac at 80% AMI or Lower offer NO ASSITANCE JUST A LOW RATE.
  • USDA-RD Loans ONLY - Assistance offered as 3-year forgivable second mortgage, a percentage of the total (include MIP) Note amount
  • Maximum DTI 45% with 640-679 FICO
  • Maximum DTI is 50% with 680 FICO
  • Eligible area: We will link to the eligible areas on the web page
Offering FICO DPA Lock Rate
FHA, VA, USDA-RD 640 w/o 6.500%
USDA 3% 8.250%
USDA 4% n/a
GOVERNMENT

Welcome Home Wyoming Program


FHA and VA Only


  • No first-time buyer requirement
  • Must be principal residence
  • Maximum Income limits
  • No Purchase price limits (Use Agency loan limits)
  • 70 calendar days from loan reservation to loan purchase
  • 1003 Credit qualifying income
  • Assistance offered as 3-year forgivable second mortgage, a percentage of the total (include MIP) Note amount
  • Maximum DTI 45% with 640-679 FICO
  • Maximum DTI is 50% with 680 FICO
  • Eligible area: We will link to the eligible areas on the web page
Offering FICO DPA Lock Rate
FHA, VA 640 2% 7.625%
FHA, VA 3% 8.250%
FHA, VA 4% n/a
FHA, VA 5% n/a
FANNIE MAE 80% AMI & FREDDIE MAC 80% AMI

Welcome Home Wyoming Program


Fannie Mae HFA Preferred and Freddie Mac HFA Advantage


  • No first-time buyer requirement
  • Must be principal residence
  • Maximum Income Limits may not exceed 80% AMI (determined by Fannie Mae and Freddie Mac) in order to receive reduced mortgage insurance
  • No Purchase price limits (Use Agency loan limits)
  • 70 calendar days from loan reservation to loan purchase
  • 1003 Credit qualifying income
  • Assistance offered as 3-year forgivable second mortgage, a percentage of the total (include MIP) Note amount
  • Maximum DTI 45% with 640-679 FICO
  • Maximum DTI is 50% with 680 FICO
  • Eligible area: We will link to the eligible areas on the web page
Offering FICO DPA Lock Rate
FANNIE MAE 80% AMI & FREDDIE MAC 80% AMI 640 0% 6.750%
FANNIE MAE 80% AMI & FREDDIE MAC 80% AMI 2% 7.500%
FANNIE MAE 80% AMI & FREDDIE MAC 80% AMI 3% n/a
FANNIE MAE OVER 80% AMI

Welcome Home Wyoming Program


Fannie Mae HFA Preferred


  • No first-time buyer requirement
  • Must be principal residence
  • Maximum Income Limits (borrowers will receive standard mortgage insurance)
  • No Purchase price limits (Use Agency loan limits)
  • 70 calendar days from loan reservation to loan purchase
  • 1003 Credit qualifying income
  • Assistance offered as 3-year forgivable second mortgage, a percentage of the total (include MIP) Note amount
  • Maximum DTI 45% with 640-679 FICO
  • Maximum DTI is 50% with 680 FICO
  • Eligible area: We will link to the eligible areas on the web page
Offering FICO DPA Lock Rate
FANNIE MAE OVER 80% AMI 640 2% 8.375%
FANNIE MAE OVER 80% AMI 3% n/a