Current as low as Mortgage and Home Equity Rates
FreeRateUpdate publishes the as low as mortgage and home equity rates and APRs we can verify from the lenders and brokers in our network. Individual terms vary; the details and assumptions behind each figure are available below.
| Purpose | Product | Term | As low as rate | APR* |
|---|---|---|---|---|
| Purchase | Fixed mortgage | 30 years | 6.250% | 6.474% |
| Purchase | Fixed mortgage | 15 years | 5.500% | 5.847% |
| Refinance | Fixed mortgage | 30 years | 6.124% | 6.289% |
| Refinance | Fixed mortgage | 15 years | 5.625% | 5.937% |
| Refinance | Fixed mortgage | 10 years | 5.500% | 5.810% |
| Cash-out refinance | Fixed mortgage | 30 years | 6.375% | 6.595% |
| Home equity | HELOC | Revolving | 7.250% | 7.250% |
| Home equity | Home equity loan | Fixed term | 8.125% | 8.574% |
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Compare WY Mortgage Refinance Offers
Lower Your Interest Rate in Wyoming
If eligible, you can lower your interest rate. This could lead to lower payments and less money paid towards interest.
By refinancing your existing loan, your total finance charges may be higher over the life of the loan.
Why should I lower my rate? |
Save money |
 |
Lower Payments |
Shorten Your Loan Term in Wyoming
Shorten your loan term when refinancing from a 30-year term to a 15-year term. You may also lower your rate.
Why should I shorten my term? |
Become mortgage-free quickly |
 |
Pay less interest |
Leverage Your Home's Equity in Wyoming
Take cash out of your home to apply to improvements, renovations, or other necessary expenses.
Why should I cash out? |
Renovations |
 |
Pay for other debts or emergencies |
Wyoming Mortgage Rates
The Wyoming Community Development Authority offers homebuyer financing and down payment assistance through participating lenders. WCDA program eligibility and requirements can vary by product, household, property, and county, so verify current terms before relying on a program.
Common Wyoming Loan Types:
- Wyoming conventional mortgages: Conventional mortgages in Wyoming are not insured or guaranteed by FHA, VA, or USDA. Conforming status, mortgage insurance, down payment, qualifications, rates, and fees depend on the loan amount, lender, borrower, property, and program.
- Wyoming FHA loans: FHA-insured mortgages in Wyoming are made by FHA-approved lenders and are not limited to first-time buyers. Borrower and property eligibility, county loan limits, down payment, and mortgage insurance depend on the loan details and current FHA rules.
- Wyoming VA loans: VA-backed mortgages in Wyoming are made by private lenders for borrowers who meet VA and lender requirements. Some qualified purchase borrowers may use no down payment; entitlement, appraisal, occupancy, funding-fee rules and exemptions, closing costs, and lender approval still apply.
Program information: FHA (HUD) and VA.gov.
How to Compare Wyoming Mortgage Rates
Mortgage pricing available in Wyoming varies by loan type, lender, borrower profile, property, points, and market timing. Property location and type can affect program and lender eligibility, so compare offers using the same county, occupancy, property type, loan purpose, term, and lock period.