Home Mortgage Lenders Laramie 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 Laramie and information on home mortgage rates, home loans, and mortgage calculators.

The Mortgage Source Inc
(307) 755-1592
414 Lewis Street
Laramie, WY
 
First Interstate Bank Wy
(307) 721-4600
221 Ivinson
Laramie, WY
 
Realty Executives of Laramie
(307) 755-5200
318 East Bradley Street
LARAMIE, WY
Services
Mortgage Brokers

De Cora Agency
(307) 742-6099
1472 N 5th St Suite 108
Laramie, WY
 
Mortgage Source Inc
(307) 745-1568
1465 North 4th Street Suite 120
LARAMIE, WY
Services
Mortgage Brokers

First National Bank - Wyoming
(307) 745-7351
2020 Grand Ave
Laramie, WY
 
The Home Loan Center Inc
(307) 742-8267
418 East University Avenue
LARAMIE, WY
Services
Mortgage Brokers

US Bank - Laramie Office
(307) 755-5187
568 N 3rd St
Laramie, WY
Drive Up Hours
Mon 08:00 am to 05:30 pm
Tue 08:00 am to 05:30 pm
Wed 08:00 am to 05:30 pm
Thur 08:00 am to 05:30 pm
Fri 08:00 am to 05:30 pm
Sat 09:00 am to 12:00 pm

Ez Home Loan Mortgages LLC
(307) 742-0551
1267 North 15th Street
LARAMIE, WY
Services
Mortgage Brokers

Jerry Johnson & Associates
(307) 742-2244
216 East Ivinson Avenue
LARAMIE, WY
Services
Mortgage Brokers

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)