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Types of Loans

Conventional Thirty or Fifteen-Year Fixed Rate Mortgage

  • 5%, 10%, 15% or 20% down
  • Allows for both stick built and manufactured homes on permanent foundation
  • No upfront mortgage insurance fee
  • Subject to maximum loan amount (contact us for current maximum loan size)
     

WCDA - First Time Homebuyer Program

  • 0% to 3.5% down
  • FHA, VA, and Rural Development financing available
  • Must not have owned a primary residence in the last 3 years
  • Allows for both stick built and manufactured homes on permanent foundation
  • Income guidelines do apply and homebuyer education is required
  • Maximum purchase price limits determined by County

In addtion the the WCDA First Time Homebuyer Program, you may qualify for the WCDA Down Payment Assistance Program.

  • Minimum required contribution of $1,500
  • Maximum loan amount of $10,000 to help with down payment and closing costs
  • Minimum credit score of 620
  • 0% interest and no monthly payment required
  • Loan due upon sale of the property or refinance

Rural Development

  • 100% financing
  • No first time homebuyer requirement
  • Allows for both stick built and manufactured homes, subject to property age requirements
  • Income guidelines do apply

FHA Loans

  • 3.5% down
  • No first time homebuyer requirements
  • Subject to current maximum loan amounts (contact us for current maximum loan size)
  • Income guidelines do not apply

VA Loans

  • 100% financing
  • No monthly mortgage insurance
  • Income guidelines do not apply
  • Subject to current maximum loan amounts(contact us for current maximum loan size)

RuraLiving Home Mortgage (for rural homes and small ranch properties)

  • Competitive 30-year and 15-year fixed-rate products
  • Properties generally range from 5-160 acres
  • Primary residence and owner-occupied
  • Properties have the reasonable capability of generating $500 of annual agricultural income (Schedule F income allowed)
  • Eligible properties include outbuildings, barns, pasture land, tillable acreage
  • Available for purchase or refinance
  • To learn more click here.
First Northern Bank of Wyoming
P.O. Box 400, 141 S Main St., Buffalo, WY  82834
Toll Free:  (800) 766-3641
info@firstnorthern.bank
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