Mortgage Lending

Home Loans

Welcome to the Most Extensive Menu of Home Loan Options in Wyoming

First Time Home Buyer Programs
Our WCDA program is a 30 year fixed rate loan at below market rates for future home owners that have not owned a home as their primary residence in the last three years. This popular program is an excellent way to purchase your first home. Qualifying is easy and 100% financing is available.

HUD/FHA Loans
The HUD/FHA program is an excellent way to purchase a home with very little down.  Down payment requirements are 3% or less.  The FHA program allows for liberal underwring to make qualifying for the loan easier.
 

VA Loans
This is an outstanding program for Veterans, Active Military, National Guard and Reservists. This loan features 100% financing and liberal qualifying terms.
In House Conventional Loans
Our flexible In House loans are tailored to your individual situation. The loans feature excellent rates and best of all they are serviced right in the bank by our highly experienced servicing staff.

Secondary Market Loans
Through our network of secondary market sources we offer a vast array of specialized mortgage products at nationally competitive rates. Our rates, fees, and product variety are second to none.

Investment Property

Rental property can be a great source of investment income.  We can provide long term financing to maximize cash flow.

Construction Loans
As Eastern Wyoming's leading source for construction financing we have literally funded the growth in residential housing in the area. Our experienced lenders will guide you step by step from acquiring the site to moving into your new dream home.
Bridge Loans
We understand that it can be a challenge to relocate when you still have a home to sell. Our lending professionals are experienced in working out short term financing to get you settled in your new home as quickly and easily as possible.
Reverse Mortgages
The equity in your home becomes a liquid asset with a reverse mortgage. If you are at least 62 years of age you may qualify for a loan that frees up the equity in your home for living expenses, major purchases, or any worthwhile purpose with no monthly payment required while you occupy the home as your primary residence. Our home loan professionals have all of the details.
Home Equity Loans
Whether you need money for college expenses, home improvements, a vacation, or any other purpose a home equity loan may be the answer. Interest rates are low and the interest may be tax deductible (consult your tax advisor).


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Mike & Donna Vick - Retiring after 65 combined years of service to the Eastern Wyoming Communities.
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