Wyoming Mortgage Refinance Rates

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Loan Type	Rate	APR	Points	Est. Monthly Payment
FHA 30-Year Fixed	6.490%	7.338%	2.125	$2,248
VA 30-Year Fixed	6.500%	6.902%	1.875	$2,239
Conventional 15-Year Fixed	6.375%	6.892%	2.250	$3,024
Conventional 30-Year Fixed	6.875%	7.188%	2.125	$2,299
Jumbo 30-Year Fixed	6.875%	7.119%	2.250	$6,240

Loan Type	Rate	APR	Points	Est. Monthly Payment
FHA 30-Year Refinance	6.490%	7.400%	2.500	$2,248
VA 30-Year Refinance	6.625%	6.983%	2.500	$2,252
Conventional 15-Year Refinance	6.375%	6.966%	2.500	$3,024
Conventional 30-Year Refinance	6.990%	7.339%	2.250	$2,326
Jumbo 30-Year Refinance	6.875%	7.131%	2.300	$6,240

Loan Type	Rate	APR	Est. Monthly Payment
Fixed 20-Year HELOC	9.875%	9.875%	$956
Fixed 30-Year HELOC	10.375%	10.375%	$905

Loan Type	Rate	APR	Points	Est. Monthly Payment
Conventional 30-Year Cash-Out Refinance	7.125%	7.518%	2.500	$2,021

FHA 30-Year Fixed: Interest rate offered based on $356,125 loan amount with 7.338% APR and $2,248 monthly payment at 70% loan-to-value (LTV) and 2.125 discount points. Payment is Principal and Interest example only. Rate shown is current as of November 6, 2026.

VA 30-Year Fixed: Interest rate offered based on $354,375 loan amount with 6.902% APR and $2,239 monthly payment at 70% loan-to-value (LTV) and 1.875 discount points. Payment is Principal and Interest example only. Rate shown is current as of November 6, 2026.

Conventional 15-Year Fixed: Interest rate offered based on $350,000 loan amount with 6.892% APR and $3,024 monthly payment at 70% loan-to-value (LTV) and 2.250 discount points. Payment is Principal and Interest example only. Rate shown is current as of November 6, 2026.

Conventional 30-Year Fixed: Interest rate offered based on $350,000 loan amount with 7.188% APR and $2,299 monthly payment at 70% loan-to-value (LTV) and 2.125 discount points. Payment is Principal and Interest example only. Rate shown is current as of November 6, 2026.

Jumbo 30-Year Fixed: Interest rate offered based on $950,001 loan amount with 7.119% APR and $6,240 monthly payment at 70% loan-to-value (LTV) and 2.250 discount points. Payment is Principal and Interest example only. Rate shown is current as of November 1, 2026.

FHA 30-Year Refinance: Interest rate offered based on $356,125 loan amount with 7.400% APR and $2,248 monthly payment at 70% loan-to-value (LTV) and 2.500 discount points. Payment is Principal and Interest example only. Rate shown is current as of November 6, 2026.

VA 30-Year Refinance: Interest rate offered based on $351,750 loan amount with 6.983% APR and $2,252 monthly payment at 70% loan-to-value (LTV) and 2.500 discount points. Payment is Principal and Interest example only. Rate shown is current as of November 6, 2026.

Conventional 15-Year Refinance: Interest rate offered based on $350,000 loan amount with 6.966% APR and $3,024 monthly payment at 70% loan-to-value (LTV) and 2.500 discount points. Payment is Principal and Interest example only. Rate shown is current as of November 6, 2026.

Conventional 30-Year Refinance: Interest rate offered based on $350,000 loan amount with 7.339% APR and $2,326 monthly payment at 70% loan-to-value (LTV) and 2.250 discount points. Payment is Principal and Interest example only. Rate shown is current as of November 6, 2026.

Jumbo 30-Year Refinance: Interest rate offered based on $950,001 loan amount with 7.131% APR and $6,240 monthly payment at 70% loan-to-value (LTV) and 2.300 discount points. Payment is Principal and Interest example only. Rate shown is current as of November 1, 2026.

Fixed 20-Year HELOC: Interest rate offered based on $100,000 loan amount with 9.875% APR and $956 monthly payment at 20% loan-to-value (LTV) and 0.250 discount points. Payment is Principal and Interest example only. Rate shown is current as of November 6, 2026.

Fixed 30-Year HELOC: Interest rate offered based on $100,000 loan amount with 10.375% APR and $905 monthly payment at 20% loan-to-value (LTV) and 0.125 discount points. Payment is Principal and Interest example only. Rate shown is current as of November 6, 2026.

Home equity lines shown assume a 3-year draw period, a $25,000 minimum initial draw, a $99 annual fee, a $100 minimum payment. Repayment period is 204 and 324 months, following the draw period. Terms are an example only and vary by line amount, property and credit profile.

Conventional 30-Year Cash-Out Refinance: Interest rate offered based on $300,000 loan amount with 7.518% APR and $2,021 monthly payment at 70% loan-to-value (LTV) and 2.500 discount points. Payment is Principal and Interest example only. Rate shown is current as of November 6, 2026.

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Refinance Rates Trend in Wyoming

Historical rates shown for context only. See full disclosures below and current rates in the table above. View Legal Disclosures

Rates as of November 6, 2026

Today’s 30-year fixed refinance rate in Wyoming is 6.990% (7.339% APR), and a 15-year is 6.375% (6.966% APR). On a typical $289,000 Wyoming loan, that’s about $1,921 a month in principal and interest over 30 years or $2,498 over 15. These figures use a typical Wyoming home price of $413,000 (the average of the median prices in its largest cities) and a loan at 70% of that value. Your numbers depend on your balance, your home’s value and your credit.

How much could you save by refinancing in Wyoming?

Monthly savings on a $289,000 balance if you refinance into today’s 30-year fixed rate of 6.990% (7.339% APR), by the rate you have now. If your current rate is at or below about 6.990%, a rate-and-term refinance at today’s rate won’t lower your payment; a cash-out refinance or HELOC may fit better if you need cash.

Your current rate	Payment now	New payment	Monthly savings	Break-even
7.500%	$2,021	$1,921	$100	100 months
8.000%	$2,121	$1,921	$200	50 months
8.500%	$2,222	$1,921	$301	33 months

Principal and interest only, comparing 30-year payments on the same $289,000 balance. New payment at 6.990% (7.339% APR) with 2.250 discount points. Break-even divides the points and lender fees built into that APR (about $9,907 on this loan) by the monthly savings; title, appraisal and other third-party closing costs add to that (try our refinance break-even calculator with your own numbers). Restarting a 30-year term can mean more total interest even when the payment drops.

Refinance payments in Wyoming's largest cities

Estimated monthly cost after refinancing a loan at 70% of each city’s median home price into today’s 30-year fixed rate of 6.990% (7.339% APR), with local property taxes and homeowners insurance.

City	Median price	Loan (70%)	Principal & interest	Taxes & insurance	Total monthly
Casper^†	$371,950	$260,000	$1,728	—	$1,728
Cheyenne^†	$454,000	$318,000	$2,114	—	$2,114

Principal and interest at 6.990% (7.339% APR) (30-year conforming refinance). Median prices from Movoto market trends, September 2026. † Tax or insurance estimate not available for this city, so it’s left out of the total.

15-year vs. 30-year refinance in Wyoming

On a typical $289,000 Wyoming loan, a 15-year refinance costs about $577 more a month than a 30-year, but saves about $241,899 in interest over the life of the loan.

Loan term	Rate (APR)	Principal & interest	Total interest
30-year fixed	6.990% (7.339% APR)	$1,921	$402,482
15-year fixed	6.375% (6.966% APR)	$2,498	$160,583

Conforming refinance rates for Wyoming as of November 6, 2026. Total interest assumes you keep the loan for the full term and make every scheduled payment. Taxes and insurance are the same for either term.

Refinance options in Wyoming by loan type

The examples above assume you’re refinancing into a conventional loan. If you have an FHA or VA loan, owe more than the conforming limit, or want to take cash out, one of these options may fit better.

If you have an FHA loan

FHA streamline refinance

Refinance an existing FHA loan with limited credit documentation and often no appraisal. FHA mortgage insurance still applies.

If you have a VA loan

VA IRRRL

The VA’s Interest Rate Reduction Refinance Loan lowers your rate with less paperwork than a standard refinance, with no monthly mortgage insurance.

If you owe more than $832,750

Jumbo refinance

A balance above the county’s 2026 conforming loan limit refinances into a jumbo loan. Some Wyoming counties have higher limits, up to $1,249,125.

If you need cash

Cash-out refinance or HELOC

A cash-out refinance replaces your loan with a larger one and pays you the difference. A HELOC lets you borrow against your equity and keep your current rate.

Wyoming refinance programs

The Wyoming Community Development Authority (WCDA) offers refinance loans for current homeowners through its HFA Preferred, Advantage and Edge products, all 30-year fixed-rate mortgages for homes on 10 acres or less. You don’t need to be a first-time buyer, but your income must be within WCDA limits, you need a credit score of at least 620, and you must live in the home as your primary residence for at least a year. See WCDA refinance details.

Wyoming refinance FAQs

What are refinance rates in Wyoming today?

As of November 6, 2026, Lower’s 30-year fixed refinance rate in Wyoming is 6.990% (7.339% APR) and the 15-year is 6.375% (6.966% APR). FHA refinances start at 6.490% (7.400% APR) and VA refinances at 6.625% (6.983% APR). Your rate depends on your credit, equity, loan amount and points.

When does refinancing make sense in Wyoming?

When the monthly savings pay back your closing costs before you sell or refinance again. On a typical $289,000 Wyoming loan, going from 8.000% to today’s 6.990% (7.339% APR) saves about $200 a month, and the points and lender fees in today’s quote (about $9,907) take about 50 months to recover. Compare the new term too: restarting at 30 years can add interest even when the payment drops.

Does WCDA offer a refinance program?

Yes. WCDA’s HFA Preferred, Advantage and Edge refinance products offer 30-year fixed-rate loans to current Wyoming homeowners. Income limits apply, the minimum credit score is 620, and you must occupy the home as your primary residence for at least a year.

Do Casper or Cheyenne have higher conforming loan limits?

No. They use Wyoming’s baseline $832,750 limit for a one-unit home in 2026. A refinance above the limit is a jumbo loan, priced today at 6.875% (7.131% APR) for 30 years.

Can I refinance a VA loan in Wyoming?

Yes. If your current mortgage is VA-backed, a VA Interest Rate Reduction Refinance Loan (IRRRL) can lower your rate with less paperwork than a standard refinance. Lower’s 30-year VA refinance rate in Wyoming is 6.625% (6.983% APR) today. VA and lender requirements apply.

Related Wyoming mortgage pages

Movoto market trends data, September 2026, for each city. Cities are the state's largest by Census Bureau population estimates (Vintage 2024) among cities with Movoto data; where a city has too few sales, the next-busiest markets by homes sold fill in. Conforming loan limits: FHFA, 2026. Property tax estimates use county effective rates from the American Community Survey; homeowners insurance estimates are average annual premiums from The Zebra; your quote will vary. Rates as of November 6, 2026. Examples only; not an offer of credit. Your rate and payment depend on your credit, down payment, loan type and other factors.

5.0

I would highly recommend this company to anyone looking to refinance their home. Choosing to do a cash-out refinance on my home turned out to be an incredibly challenging situation filled with numerous roadblocks and an emotional roller coaster… of ups and downs. However, working with Taylor and Anita made all the difference in the world. Throughout the entire process, they provided constant reassurance, deep comfort, and kept my anxiety levels at a manageable level during moments when I felt completely overwhelmed. Their professionalism, empathy, and dedication went far beyond just processing a loan; they truly cared about my peace of mind. I am incredibly grateful for their unwavering support and couldn't have crossed the finish line without them.

Tami T.

Verified Customer

October 9, 2026

5.0

Having worked alongside Angel Ramos, I can say firsthand that his reputation as an elite sales professional is built on one thing: exceptional client care. In an industry like mortgage lending where trust, timing, and clear communication make a…ll the difference, Angel has always stood out as a top producer whose business was driven by word-of-mouth and repeat referrals. He never approaches sales as a one-time transaction; he treats every client interaction as a long-term partnership. He takes the time to listen, demystify complex financial details, and advocate relentlessly for the best possible outcome. Anyone navigating the loan process—whether purchasing their first home or refinancing—is in remarkably capable, honest hands with Angel. I recommend him without hesitation to any homebuyer or real estate partner looking for a dependable loan officer

Lawrence S.

Verified Customer

November 5, 2026

5.0

Katie Lepley made refinancing our home straightforward and stress-free. The initial document collection was easy to navigate, and we completed the signing process within 30 days. Katie guided me through every step and kept me informed about th…e progress she and her team at Lower.com were making. Their communication was excellent, and the entire team was professional and highly capable. I have confidently referred several friends and family members to Katie, knowing they will be in excellent hands.

Diane P.

Verified Customer

October 9, 2026

5.0

Katie did an amazing job helping us refinance our home almost 6 years ago. Her knowledge, professionalism and wonderful sense of humor made the process easy and stress free. The new loan made our dream of owning our home happen sooner, while s…aving money. I have and would recommend Katie to friends and family interested in buying a home for their first time or refinancing their current one.

Lynn W.

Verified Customer

October 9, 2026

5.0

Very kind and straight forward. Kept up communication and let us know everything we needed. Highly recommend and would go through her again if we ever need to refinance again.

Charles E.

Verified Customer

September 25, 2026

5.0

I have used Katie Lepley twice- for a loan to purchase a home and to refinance my condo. She is quick and efficient, very professional and really knows this business. She made the process (both times) so seamless and easy. She and her team kep…t me informed every step of the way. I would use her again and highly recommend her for all your loan needs.

Cindy G.

Verified Customer

October 9, 2026

Tami T. rated Taylor Weiner 5.0 stars: I would highly recommend this company to anyone looking to refinance their home. Choosing to do a cash-out refinance on my home turned out to be an incredibly challenging situation filled with numerous roadblocks and an emotional roller coaster of ups and downs. However, working with Taylor and Anita made all the difference in the world. Throughout the entire process, they provided constant reassurance, deep comfort, and kept my anxiety levels at a manageable level during moments when I felt completely overwhelmed. Their professionalism, empathy, and dedication went far beyond just processing a loan; they truly cared about my peace of mind. I am incredibly grateful for their unwavering support and couldn't have crossed the finish line without them. Lawrence S. rated Angel Ramos 5.0 stars: Having worked alongside Angel Ramos, I can say firsthand that his reputation as an elite sales professional is built on one thing: exceptional client care. In an industry like mortgage lending where trust, timing, and clear communication make all the difference, Angel has always stood out as a top producer whose business was driven by word-of-mouth and repeat referrals. He never approaches sales as a one-time transaction; he treats every client interaction as a long-term partnership. He takes the time to listen, demystify complex financial details, and advocate relentlessly for the best possible outcome. Anyone navigating the loan process—whether purchasing their first home or refinancing—is in remarkably capable, honest hands with Angel. I recommend him without hesitation to any homebuyer or real estate partner looking for a dependable loan officer Diane P. rated Katie Lepley 5.0 stars: Katie Lepley made refinancing our home straightforward and stress-free. The initial document collection was easy to navigate, and we completed the signing process within 30 days. Katie guided me through every step and kept me informed about the progress she and her team at Lower.com were making. Their communication was excellent, and the entire team was professional and highly capable. I have confidently referred several friends and family members to Katie, knowing they will be in excellent hands. Lynn W. rated Katie Lepley 5.0 stars: Katie did an amazing job helping us refinance our home almost 6 years ago. Her knowledge, professionalism and wonderful sense of humor made the process easy and stress free. The new loan made our dream of owning our home happen sooner, while saving money. I have and would recommend Katie to friends and family interested in buying a home for their first time or refinancing their current one. Charles E. rated Joanie Neal 5.0 stars: Very kind and straight forward. Kept up communication and let us know everything we needed. Highly recommend and would go through her again if we ever need to refinance again. Cindy G. rated Katie Lepley 5.0 stars: I have used Katie Lepley twice- for a loan to purchase a home and to refinance my condo. She is quick and efficient, very professional and really knows this business. She made the process (both times) so seamless and easy. She and her team kept me informed every step of the way. I would use her again and highly recommend her for all your loan needs.

Wyoming Mortgage Refinance Rates

Current Wyoming Home Refinance Rates

Get your personalized rate

Refinance Rates Trend in Wyoming

How much could you save by refinancing in Wyoming?

Refinance payments in Wyoming's largest cities

15-year vs. 30-year refinance in Wyoming

Refinance options in Wyoming by loan type

FHA streamline refinance

VA IRRRL

Jumbo refinance

Cash-out refinance or HELOC

Wyoming refinance programs

Wyoming refinance FAQs

Related Wyoming mortgage pages

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