Laramie, WY Mortgage Rates and Refinance Rates

Mortgages in Laramie, WY: Find the best Laramie, WY mortgage rates today from banks and credit unions. When results are displayed for mortgage rates in Laramie, WY, you can easily sort your search results by lender, rate, APR and points so you can easily compare results. Whether you’re looking for conforming, jumbo, adjustable or interest-only mortgage rates in Laramie, WY. Another option is searching for Laramie, WY refinance rates if you're looking to refinance a loan. Best of all you don't have to provide any personal information to see a list of Laramie, WY mortgage rates or refinance rates.

Laramie, Wyoming Conforming Mortgage Rates and Refinance Rates

Conforming home mortgage rates in Laramie, WY are the most popular type of mortgages rates you can find advertised for home buyers in Laramie, WY. Conforming mortgages, also known as conventional mortgages, are mortgages that meet certain criteria set out by Federal Housing Finance Agency (FHFA). There is a loan limit set for each county in the United States. Higher mortgage loan limits are set for high housing cost areas. Laramie, WY mortgages that 'conform' to the standards set out by the Federal Housing Finance Agency can be purchased by government sponsored entities (GSE) like Freddie Mac and Fannie Mae. This process guarantees Laramie, WY banks, mortgage companies and credit unions are able to resell home mortgage loans that they make. This process also makes Laramie, WY conforming mortgage rates and refi rates lower than Laramie, WY jumbo mortgage rates and jumbo refinance rates because the GSE's can’t purchase jumbo mortgages that are made by Laramie, WY home finance companies, credit unions and banks.

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Jumbo Mortgage Rates and Refinance Rates in Laramie, Wyoming

Jumbo mortgage rates in Laramie, WY are advertised for home loans that have a dollar amount that is higher than conventional loan amounts. Jumbo mortgage rates and jumbo refinance rates are always higher than conventional mortgage rates for both fixed mortgage rates in Laramie, WY and adjustable mortgage rates in Laramie, WY. Interest rates are higher because third party investors buy the home loans credit unions, banks and mortgage companies in Laramie, WY make.

Laramie, Wyoming Fixed Mortgage Rates and Fixed Refinance Rates

Laramie, WY fixed rate mortgages are the most common mortgage available to borrowers. With a fixed mortgage the interest rate stays the same for the entire loan period. Fixed mortgages are available in 40 years, 30 years, 20 years, 15 years and 10 years. The longer the mortgage term the lower the monthly mortgage payment will be.

Laramie, Wyoming Adjustable Mortgage Rates

Adjustable Laramie, WY mortgage rates are fixed for a period of time and then the mortgage rate adjusts every year after. The most common adjustable mortgages terms available in Laramie, WY are 1 year, 3 year, 5year and 7 year. Adjustable rate mortgages are advertised as 1 year, 3/1, 5/1 and 7/1. Adjustable mortgages are available for conforming dollar amounts and jumbo dollar amounts in Laramie, WY. Most adjustable mortgages in Laramie, WY have yearly caps and life time maximum caps on how high the interest rate can fluctuate.



Map for Laramie, WY Rates & Resources


Laramie FDIC Insured Banks

Bank Name

FDIC Cert Number

Address

American National Bank

19220 300 South 2nd Street, Laramie, WY 82070

American National Bank

19220 3908 Grand Avenue, Laramie, WY 82070

Bank of the West

3514 222 Garfield Street, Laramie, WY 82070

First Interstate Bank

1105 1771 Snowy Range Road, Laramie, WY 82070

First Interstate Bank

1105 221 Ivinson Street, Laramie, WY 82070

First Interstate Bank

1105 Student Union Building Po Box 1307, Laramie, WY 82073

First National Bank of Wyoming

19266 2020 Grand Ave, Laramie, WY 82070

First National Bank of Wyoming

19266 501 Ivinson, Laramie, WY 82070

Security First Bank

31966 608 Grand Avenue, Laramie, WY 82070

U.S. Bank National Association

6548 568 North Third Street, Laramie, WY 82072

Wells Fargo Bank, National Association

3511 2127 East Grand Avenue, Laramie, WY 82070

Wyoming State Bank

58395 3430 East Grand Avenue, Laramie, WY 82073