Home Mortgage Lenders Cody WY

With the money borrowed from the home mortgage lenders at banks, a home buyer can own a house without paying much money up front. See below to learn more and to gain access to home mortgage lenders in Cody and information on home mortgage rates, home loans, and mortgage calculators.

Shoshone First Bank
(307) 587-4237
1401 Sheridan Ave
Cody, WY
 
Timberline Mortgage
(307) 587-6552
3151 N Fork Hwy
CODY, WY
Services
Mortgage Brokers

US Bank - Cody Office
(307) 527-9621
1132 Beck Ave
Cody, WY
Drive Up Hours
Mon 08:00 am to 05:00 pm
Tue 08:00 am to 05:00 pm
Wed 08:00 am to 05:00 pm
Thur 08:00 am to 05:00 pm
Fri 08:00 am to 05:00 pm

Wells Fargo - Cody Albertsons
(800) 869-3557
1825 17Th St
Cody, WY
Type
In-Store Branch
Office Hours
Mon-Fri 09:00 AM-06:00 PM
Sat 10:00 AM-04:00 PM
Sun Closed

Wells Fargo - Cody Main
(800) 869-3557
1401 Sheridan Ave
Cody, WY
Type
Branch
Office Hours
Mon-Fri 07:30 AM-06:00 PM
Sat 09:00 AM-01:00 PM
Sun Closed

Shoshone First Bank - Real Estate Department
(307) 587-8627
1825 17th Street
CODY, WY
Services
Mortgage Brokers

Shoshone Title
(307) 587-2261
1002 13th Street
Cody, WY
 
Pinnacle Bank Wyoming
(307) 527-2964
1702 Sheridan Ave
Cody, WY
 
Wells Fargo - Cody Walmart
(800) 869-3557
321 Yellowstone Ave
Cody, WY
Type
In-Store Branch
Office Hours
Mon-Fri 09:00 AM-06:00 PM
Sat 10:00 AM-04:00 PM
Sun Closed

Shoshone First Bank Real Estate Department
(307) 587-8627
1825 17th Street
Cody, WY
 

Energy Efficient Mortgages (Part 2)

An energy efficient mortgage acknowledges that homes that are energy efficient generally cost homeowners less to maintain on a monthly basis as oppose to other standard homes. Buying a energy efficient home allows a homebuyer to be able to spend money on other items for the house because their energy bills will be reduced. Energy Efficient Mortgages (EMM) allows borrowers to take out bigger mortgages because their monthly energy expenses on a energy efficient home won’t be as expensive meaning that they will most likely be able to pay the loan off faster. With a EEM you can also take a standard home and make it energy efficient.

How can a EEM benefit a borrower?

There are several ways a borrower can benefit by taking out an EEM. Well, first the borrower’s income and the estimated energy savings are analyzed allowing the borrower to qualify for a larger mortgage loan. Also the borrower’s buying power is increased permitting the borrower to include the total cost of any energy improvements into the total mortgage loan amount. Then because of the energy improvements the house value is increased.
 

Can Your Home Qualify for A EEM?

Energy Efficient Mortgages can be used for newly constructed homes. Your home must be a single-family, a owner occupied residential , a one unit house or a condominium in order to qualify for a EEM. Before you can take out a EEM you must first have a RESNET report evaluation. The RESNET report determines your home energy efficiency in it’s current state. After a RESNET report is done then you will receive a energy home rating. A energy home rating measures your home energy efficiency. A home energy rater that’s accredited by the RESNET rating system will conduct a home inspection. They will look at things like your home heating and cooling system, window to wall ratios and insulation levels just to mention a few. Then you will receive a energy rating score between 1 to 100.
 
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Wyoming Mortgage Licensing Body

Website: audit.state.wy.us

Phone: (307) 777-7797

State: Wyoming

Licensed By: Wyoming Dept of Audit/Division of Banking

Additional Info: Wyoming Dept of Audit/Division of Banking http://audit.state.wy.us/banking/default.htm 307-777-7797 (WY is licensed through the NMLS)