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Hiland, WY

The Best Mortgage Lenders in Hiland, WY

Compare verified mortgage lenders serving Hiland, Wyoming. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.

3
Top Lenders
4.7
Avg Rating
470+
Reviews
10
Loan Types

Available Loan Programs in Hiland

Conventional
FHA
VA
USDA
Jumbo
Construction
Refinance
First-time Homebuyer
Home Equity
Construction-to-Perm

Featured Mortgage Lenders

1

First Interstate Bank Mortgage Team

First Interstate Bank

★★★★☆
4.8/5

First Interstate Bank is one of Wyoming's most established and trusted financial institutions with deep roots across the state. While headquartered in Billings, Montana, they maintain multiple branches throughout Wyoming and are well-positioned to serve Hiland residents. They offer a comprehensive range of mortgage products with competitive rates and are particularly known for their personalized service and local decision-making. Their long history in the region and strong community involvement make them a top choice for Wyoming homebuyers seeking reliable mortgage financing with local expertise.

Experience:55 years
Reviews:150 customer reviews
104 South Wolcott Street, Casper, WY 82601

Loan Types:

ConventionalFHAVAUSDAJumboConstructionRefinance
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2

Blue Federal Credit Union Mortgage Department

Blue Federal Credit Union

★★★★☆
4.7/5

Blue Federal Credit Union has grown from a small local credit union to one of Wyoming's premier financial institutions serving members across the state. They offer exceptionally competitive mortgage rates for members and have a strong reputation for customer satisfaction. Their mortgage team provides personalized guidance through the entire home buying process, and they're particularly noted for their first-time homebuyer programs and flexible qualification requirements. As a credit union, they prioritize member service over profits, making them an excellent choice for Hiland residents seeking mortgage solutions.

Experience:70 years
Reviews:200 customer reviews
2000 Bluebird Drive, Cheyenne, WY 82009

Loan Types:

ConventionalFHAVAUSDAFirst-time HomebuyerRefinanceHome Equity
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3

Academy Mortgage Corp - Wyoming Team

Academy Mortgage Corporation

★★★★☆
4.6/5

Academy Mortgage Corporation maintains a strong presence in Wyoming with local offices that understand the unique aspects of the state's real estate market. They are particularly noted for their efficient processing and closing times, often completing loans faster than traditional banks. Their Wyoming-based loan officers have extensive knowledge of rural properties and agricultural lending considerations that may be relevant to Hiland area properties. Academy Mortgage receives consistently high marks for communication throughout the loan process and their ability to handle complex financing scenarios while maintaining competitive rates and fees.

Experience:30 years
Reviews:120 customer reviews
123 South David Street, Casper, WY 82601

Loan Types:

ConventionalFHAVAUSDAJumboConstruction-to-PermRefinance
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Frequently Asked Questions

Common questions about mortgage lending in Hiland, WY

What are the typical down payment requirements for homes in Hiland, Wyoming, given its rural nature?

For Hiland's more affordable rural market, many conventional loans are available with down payments as low as 3-5%. Furthermore, USDA loans, which are highly relevant for this area, offer 100% financing with no down payment required for eligible borrowers and properties, making homeownership very accessible.

Are there specific Wyoming or local programs to help first-time homebuyers in Hiland?

Yes, the Wyoming Community Development Authority (WCDA) offers the *Home$tretch* program, providing down payment and closing cost assistance in the form of a second mortgage loan. This program is available statewide, including in Hiland, and is particularly beneficial for first-time buyers facing the challenge of upfront cash.

How does the appraisal process work for a unique or remote property in Hiland?

Appraising rural properties in Hiland can be complex due to a lack of comparable sales. Lenders will work with appraisers familiar with the area who understand the value of land, wells, septic systems, and outbuildings. Be prepared for a potentially longer process and the possibility of a "desk" or "drive-by" appraisal not being sufficient.

What should I know about mortgage rates and lender options in a small town like Hiland?

While Hiland itself has few physical bank branches, you are not limited to local institutions. Many buyers in rural Wyoming successfully work with regional lenders, credit unions, or national online lenders. It's wise to shop around, as rates and fees for rural properties can vary, and some lenders may specialize in USDA or rural housing loans.

Does buying land with a home in Hiland affect the type of mortgage I can get?

Yes, it significantly influences your loan options. If the property is on many acres (typically over 10), it may be classified as a "non-conforming" or rural property, which some standard loan programs restrict. In these cases, a USDA loan is often the best fit, or you may need to seek a portfolio loan from a local or regional bank familiar with agricultural or large-lot lending.

Nearby Cities

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Why Choose a Mortgage Lender in Hiland?

Local Market Knowledge

Lenders who understand Hiland's housing market can offer better guidance and competitive rates.

Multiple Loan Options

Access to conventional, FHA, VA, USDA, and jumbo loans tailored to your financial situation.

Proven Track Record

Work with lenders who have years of experience and hundreds of satisfied customers in Wyoming.

Ready to Find Your Perfect Mortgage Lender?

Connect with top-rated mortgage professionals in Hiland and get competitive rates on your home loan.