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Rock Springs Home Loans

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Rock Springs Mortgage Lender

Home Loans In Rock Springs, Wyoming 

Home to people from over 56 different nationalities, Rock Springs, is the fifth most populated city in Wyoming. Coming in at 10th in the rankings for the 30 best places to buy a house in Wyoming, the city’s housing market is still hot even with the ups and downs of the pandemic. 

As a city with a rich history and beautiful neighborhood, moving to Rock Springs can be the perfect fresh start for you and your family. 

But first, you’ll need to get a mortgage loan to finance the deal. At Capital Home Mortgage, we can help you secure the right home loan in Rock Springs. Let’s walk you through some of our most common home loans programs. 

Mortgage Loan Programs In Rock Springs

No two home loan packages are the same, so it’s essential to understand the type of loan you need and whether you qualify for it. Our loan officers will work closely with you to match you with the perfect mortgage for your needs. 

Here are some of the commonly used mortgage programs in Rock Springs.

  • Conventional Loans

Mortgages not backed by the federal government are called Conventional loans. Since these loans don’t have guarantees from the government, lenders are stricter regarding conventional loans. 

Conventional loans can be conforming or non-conforming. A conforming loan “conforms” to the Federal Housing Finance Agency (FHFA). Limits set by the FHFA vary per year, so be sure to check their website for real-time updates. 

On the other hand, non-conforming loans — as the term implies — don’t conform to FHFF loan limits. 

  • Government-Insured & Guaranteed Loans

The three most common government-insured home loans are FHA, USDA, and VA loans. A government agency backs each one. 

The Federal Housing Administration insures an FHA loan. It is perfect for first-time homebuyers with no credible credit history or those with adverse credit history. Borrowers with a minimum FICO score of 580 can get a loan-to-value of 96.5 percent, needing a 3.5% down payment. Borrowers with FICO scores of 580 or 500 may qualify with a 10% down payment.

USDA loans are used as the primary source of financing for properties located in a designated rural area. The Economic Research Service (ERS) researchers define a rural area if it falls within one of the following: (a) an open countryside, (b) rural towns (places with fewer than 2,500 people), and (c) urban areas with populations ranging from 2,500 to 49,999 that are not part of a larger labor market areas or metropolitan areas.

 USDA loans have stricter home and income requirements than other home loan programs due to their 100% financing nature.

Lastly, VA loans are loans for current and retired military service members. It doesn’t require a down payment, unlike FHA loans.

  • Jumbo Loans

A jumbo loan is standard in higher-cost areas. The amount of a jumbo loan doesn’t conform with loan limits and is often given to borrowers with excellent credit scores. If you’re eyeing a million-dollar home in Rock Springs, a jumbo loan would be the ideal mortgage product to choose.

Rock Springs, Wyoming Mortgage Lender

Unsure which mortgage product to choose? Our experts at Capital Home Mortgage will explain all the different mortgage products and help you select the best fit for your situation. At Capital Home Mortgage, we’re always willing to help borrowers get the best loan product.

As direct mortgage lenders, we process and fund all mortgage applications. We can provide these home loans at competitive interest rates and low processing fees.

Get A Home Loan In Rock Springs

Be a Rock Springs resident now. Get started with a free, no-obligation quote by calling (307) 365-6001. We look forward to providing your next home loan in Rock Springs. 

Why Rock Springs Is Choosing Capital Home Mortgage...

Close On Time with True Approval

Control of the Loan from the Application to Funding.

Great Rock Springs Rates / Low Fees

Direct Mortgage Lender Providing Competitive Rates and Low Fees.

Rock Springs Customer Service

7  Day a Week Support from Application to Final Mortgage Payment. 

Rock Springs Mortgage Rates

Capital Home Mortgage Rock Springs is dedicated to offering Great Rock Springs Mortgage Rates.

Call now to speak with a Loan Officer or request a no obligation custom rate quote.

Have you ever wondered why interests rates are what they are and what determines the final rate?  Why borrowers receive different interest rates? Or why rates go up and down?  Interest Rates are calculated using several factors.

  • Demand for the mortgage Securities
  • Property securing the mortgage
  • occupancy of the property
  • Loan to value of the property
  • Borrower’s credit worthiness

Rock Springs, Wyoming Mortgage Loans

Rock Springs Home Purchase

Buying A Rock Springs Home?

  • Primary, 2nd, Investment
  • Low Rates & Low Fees
  • Conventional, FHA, VA, USDA
  • Jumbo, Reno, Manufactured

Rock Springs Renovation Home Loans

Rock Springs Rehab Loans

  • Remodel, Renovate, Repair
  • FHA 203K Streamline or Full
  • Fannie Mae Homestyle Reno
  • Freddie Mac Choice Reno

Rock Springs FHA Home Loans

1st Time Rock Springs Homebuyers

  • Smaller Down Payment
  • Flexible Underwriting
  • Higher Debt to Income Ratios
  • Lower Credit Scores Allowed

Houston VA Home Loans

100% Loans For Rock Springs Veterans

  • Simply Qualifying
  • No Down Payments 
  • Lower Credit Scores Allowed
  • Manual Underwriting Allowed

Rock Springs Conventional Home Loans

Flexibility For Rock Springs Buyers

  • Primary, 2nd, Investment
  • Great Rates & Low Fees 
  • Single and Multi-Family
  • Renovation Loan Programs

Rock Springs Jumbo Home Loans

Great Rock Springs Rates

  • Primary & 2nd Homes
  • Higher Amounts – 3 Million
  • Great Interest Rates
  • Investor Specific Guidelines

Rock Springs USDA Home Loans

Rural Rock Springs Properties

  • Rural Properties Only
  • Primary Residence Only
  • New Manufactured Homes
  • Closing Costs Can Be Rolled In

Rock Springs Native American Loans

Rock Springs HUD 184 Loans

  • Primary Residence Only
  • Manual Underwrite All Loans
  • No Credit Score Requirements
  • Tribal Grants Allowed

Rock Springs Manufactured Home Loans

Rock Springs Mobile Home Loans

  • Purchase or Refinance
  • New Home Purchase
  • OTC Combo Land & Home
  • FHA, VA, USDA, & HUD 184

Rock Springs Reverse Mortgages

Your Rock Springs Home At Work!

  • Primary Residence Only
  • Simple Qualifying
  • Credit Scores Not Applicable
  • Minimum Age 62

Rock Springs Cash-Out Refinance

Rock Springs Equity Refinance

  • Reduce Mortgage Term
  • Lower Monthly Payments
  • Appraisal Waivers
  • Streamline Options Available

Rock Springs Mortgage Refinance

Rock Springs Rate & Term Refinance

  • Purchase, Refi & Cash-out
  • Primary, 2nd & Investment
  • Full Doc & Alt Doc Programs
  • Corporations OK

Rock Springs, Wyoming Mortgage Team

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