Saratoga, WY Mortgage Rates and Refinance Rates

Mortgages in Saratoga, WY: Find the best Saratoga, WY mortgage rates today from banks and credit unions. When results are displayed for mortgage rates in Saratoga, 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 Saratoga, WY. Another option is searching for Saratoga, 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 Saratoga, WY mortgage rates or refinance rates.

Saratoga, Wyoming Conforming Mortgage Rates and Refinance Rates

Conforming home mortgage rates in Saratoga, WY are the most popular type of mortgages rates you can find advertised for home buyers in Saratoga, 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. Saratoga, 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 Saratoga, WY banks, mortgage companies and credit unions are able to resell home mortgage loans that they make. This process also makes Saratoga, WY conforming mortgage rates and refi rates lower than Saratoga, WY jumbo mortgage rates and jumbo refinance rates because the GSE's can’t purchase jumbo mortgages that are made by Saratoga, WY home finance companies, credit unions and banks.

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Jumbo Mortgage Rates and Refinance Rates in Saratoga, Wyoming

Jumbo mortgage rates in Saratoga, 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 Saratoga, WY and adjustable mortgage rates in Saratoga, WY. Interest rates are higher because third party investors buy the home loans credit unions, banks and mortgage companies in Saratoga, WY make.

Saratoga, Wyoming Fixed Mortgage Rates and Fixed Refinance Rates

Saratoga, 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.

Saratoga, Wyoming Adjustable Mortgage Rates

Adjustable Saratoga, 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 Saratoga, 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 Saratoga, WY. Most adjustable mortgages in Saratoga, WY have yearly caps and life time maximum caps on how high the interest rate can fluctuate.

Map for Saratoga, WY Rates & Resources

Saratoga FDIC Insured Banks

Bank Name

FDIC Cert Number


Bank of the West

3514 302 North First Street, Saratoga, WY 82331

The Rawlins National Bank

2228 209 South First Street, Saratoga, WY 82331