Get a Lower rate in Wyoming whether you’re looking to reduce your monthly payment, change your loan term or refinance into a different rate.

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Loan Type	Rate	APR	Points	Monthly Payment
FHA 30-Year Fixed	5.990%	6.746%	2.000	$2,277
VA 30-Year Fixed	5.875%	6.227%	2.250	$2,096
Conventional 15-Year Fixed	5.875%	6.230%	1.875	$2,929
Conventional 30-Year Fixed	6.375%	6.618%	2.125	$2,183
Jumbo 30-Year Fixed	6.250%	6.468%	2.125	$5,849

Loan Type	Rate	APR	Points	Monthly Payment
FHA 30-Year Refinance	6.125%	6.932%	2.250	$2,308
VA 30-Year Refinance	6.125%	6.413%	2.500	$2,137
Conventional 15-Year Refinance	5.875%	6.344%	2.375	$2,929
Conventional 30-Year Refinance	6.490%	6.792%	2.500	$2,209
Jumbo 30-Year Refinance	6.250%	6.500%	2.375	$5,849

Loan Type	Rate	APR	Points	Monthly Payment

FHA 30-Year Fixed: Interest rate offered based on $356,125 loan amount with 6.746% APR and $2,277 monthly payment at 70% loan-to-value (LTV) and 2.000 discount points. Payment is Principal and Interest example only. Rate shown is current as of September 1, 2026.

VA 30-Year Fixed: Interest rate offered based on $354,375 loan amount with 6.227% APR and $2,096 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 September 1, 2026.

Conventional 15-Year Fixed: Interest rate offered based on $350,000 loan amount with 6.230% APR and $2,929 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 September 1, 2026.

Conventional 30-Year Fixed: Interest rate offered based on $350,000 loan amount with 6.618% APR and $2,183 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 September 1, 2026.

Jumbo 30-Year Fixed: Interest rate offered based on $950,001 loan amount with 6.468% APR and $5,849 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 September 1, 2026.

FHA 30-Year Refinance: Interest rate offered based on $356,125 loan amount with 6.932% APR and $2,308 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 September 1, 2026.

VA 30-Year Refinance: Interest rate offered based on $351,750 loan amount with 6.413% APR and $2,137 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 September 1, 2026.

Conventional 15-Year Refinance: Interest rate offered based on $350,000 loan amount with 6.344% APR and $2,929 monthly payment at 70% loan-to-value (LTV) and 2.375 discount points. Payment is Principal and Interest example only. Rate shown is current as of September 1, 2026.

Conventional 30-Year Refinance: Interest rate offered based on $350,000 loan amount with 6.792% APR and $2,209 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 September 1, 2026.

Jumbo 30-Year Refinance: Interest rate offered based on $950,001 loan amount with 6.500% APR and $5,849 monthly payment at 70% loan-to-value (LTV) and 2.375 discount points. Payment is Principal and Interest example only. Rate shown is current as of September 1, 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

What Affects Mortgage Refinance Rates in Wyoming

Wyoming refinance rates reflect national lending conditions along with the details of your replacement mortgage. Your credit profile, loan-to-value, loan structure, property details and occupancy can affect the rate and terms available to you.

A refinance quote can differ from a purchase quote for the same borrower because the purpose and structure of the transaction are different. Compare the proposed new mortgage with the loan you already have, including its rate, term and costs.

The interest rate is the percentage charged for borrowing the principal. The annual percentage rate, or APR, is a broader annualized measure that includes the interest rate plus certain loan costs. APR can provide additional context when two refinance offers have different rates or upfront costs.

If you are buying rather than refinancing, compare Wyoming mortgage rates.

Types of Refinances Available in Wyoming

A rate-and-term refinance replaces your existing mortgage without taking cash out of the property. The replacement loan can change the rate, term or both.

A lower interest rate could reduce your monthly principal-and-interest payment, while changing the term can affect both the payment and how long you carry the mortgage. Compare those changes with the costs required to complete the refinance.

How long you expect to keep the new mortgage also affects the calculation. Use the refinance break-even calculator to compare the upfront costs with the expected monthly savings.

FHA and VA Refinance Options in Wyoming

If your current mortgage is FHA-backed, an FHA streamline refinance uses limited borrower credit documentation and underwriting to refinance an existing FHA-insured mortgage. An FHA simple refinance also replaces an existing FHA mortgage but uses an appraisal and credit-qualifying underwriting. HUD's FHA streamline refinance guidance covers the streamline requirements.

If your current mortgage is VA-backed, a VA Interest Rate Reduction Refinance Loan, or IRRRL, may help lower your monthly mortgage payment or make payments more stable. The VA's IRRRL guidance requires the mortgage being refinanced to already be VA-backed.

Conforming Loan Limits for a Wyoming Refinance

Wyoming has two one-unit conforming loan-limit tiers for 2026. Under FHFA's 2026 conforming loan limits, 22 of Wyoming's 23 counties use the $832,750 national baseline.

Teton County is the exception, with a one-unit conforming loan limit of $1,249,125. Laramie County in the Cheyenne area, Natrona County in the Casper area, Campbell County, Sheridan County and the rest of Wyoming use the $832,750 baseline.

A refinance above $832,750 can therefore exceed the conforming loan limit in most of Wyoming while remaining below the limit in Teton County. A mortgage below the applicable county limit still has to meet conventional mortgage requirements to qualify as conforming.

Wyoming Refinance FAQs

When Does Refinancing Make Sense in Wyoming?

Compare your existing mortgage with the proposed replacement loan, including the interest rate, monthly payment, new loan term and closing costs. The length of time you expect to keep the new mortgage affects whether any monthly savings have enough time to offset the upfront costs.

Does Jackson Have a Higher Conforming Loan Limit?

Yes. Jackson is in Teton County, which has a $1,249,125 conforming loan limit for one-unit properties in 2026. Wyoming's other 22 counties use the $832,750 national baseline.

Is a $1 Million Refinance a Jumbo Loan in Wyoming?

It depends on the county. A $1 million one-unit refinance exceeds the $832,750 conforming limit in 22 Wyoming counties, including Laramie and Natrona counties. It remains below Teton County's $1,249,125 limit. The mortgage must also meet applicable conventional requirements to qualify as conforming.

Do Cheyenne or Casper Have Higher Conforming Loan Limits?

No. Laramie County in the Cheyenne area and Natrona County in the Casper area both use the $832,750 conforming loan limit for one-unit properties in 2026.

Can I Refinance a VA Loan in Wyoming?

Yes. If your current mortgage is VA-backed, an IRRRL may be available to refinance it. The existing mortgage must be VA-backed, and VA and lender requirements apply to the new loan.

5.0

Nadia made the buying experience great for us. She was very helpful and informative with us. She went out of her way to help us and make the experience as smooth as possible. We will gladly recommend her to anyone we know that may be interested in purchasing or refinancing a hom. thank you for everything.

Abel Q.

Verified Customer

June 16, 2026

5.0

I can’t recommend Erick Martínez highly enough. He accomplished what many thought would be very difficult by successfully completing my residential refinance in just two weeks. From start to finish, Erick was knowledgeable, responsive, organized, and always available to answer my questions. He kept me informed throughout the entire process, making everything smooth and stress-free. His professionalism, dedication, efficiency, and commitment to his clients truly exceeded my expectations. If you’re looking for a loan officer who works hard, delivers results, and makes… the refinancing process as easy as possible, Erick is the person to call. Thank you, Erick, for making this happen so quickly. I truly appreciate all your hard work and would highly recommend you to anyone looking for a mortgage or residential refinance! Jeny and Carlos Cardenas .

Jennifer A.

Verified Customer

June 29, 2026

5.0

Cameron Lewis is the “go to” for all my clients who have ever had the pleasure of working with him. Once you go with Cameron, you won’t ever have to search for another lender when making other purchases or refinancing. Cameron is the smartest, most experienced and resourceful lender in the Asheville area. On top of all that, he’s the easiest and most pleasant professional you could hope to work with! It’s ALWAYS better to go with a local lender… when purchasing in the area, and Cameron is by far the best in the area! So look no further, and rest assured that you are making the right choice when you pick Cameron !

Laurie R.

Verified Customer

June 17, 2026

5.0

Cam did an amazing job explaining everything from day 1 and guiding us every step of the way. He was on top of things and ensured we never missed a task or action item or deadline. I appreciated how prompt Cam was in responding to any question, even if it was after work hours. I would highly recommend Cam to anyone looking for a mortgage and if I ever feel the need to refinance, I'll reach out to Cam without… any hesitation.

Atif M.

Verified Customer

August 14, 2026

5.0

Rick has helped us so much throughout the home buyer process. He is knowledgeable and helpful with various options. I would definitely recommend using his services if you are in the market for buying or refinancing!

Ronald D.

Verified Customer

July 31, 2026

5.0

Murdock has been our go-to "mortgage man" consistently for over 25 years. He has financed and refinanced our homes and our daughter's homes as well. He goes way beyond just getting us the best rate and mortgage. He cleaned up a credit issue we didn't know about and takes a genuine personal interest in wanting to know us and our family. I have referred many friends to him over the years and they have all been very pleased. I will… continue to refer him!

Chris T.

Verified Customer

August 14, 2026

Abel Q. rated Nadia Najera 5.0 stars: Nadia made the buying experience great for us. She was very helpful and informative with us. She went out of her way to help us and make the experience as smooth as possible. We will gladly recommend her to anyone we know that may be interested in purchasing or refinancing a hom. thank you for everything. Jennifer A. rated Erick Martinez 5.0 stars: I can’t recommend Erick Martínez highly enough. He accomplished what many thought would be very difficult by successfully completing my residential refinance in just two weeks. From start to finish, Erick was knowledgeable, responsive, organized, and always available to answer my questions. He kept me informed throughout the entire process, making everything smooth and stress-free. His professionalism, dedication, efficiency, and commitment to his clients truly exceeded my expectations. If you’re looking for a loan officer who works hard, delivers results, and makes the refinancing process as easy as possible, Erick is the person to call. Thank you, Erick, for making this happen so quickly. I truly appreciate all your hard work and would highly recommend you to anyone looking for a mortgage or residential refinance! Jeny and Carlos Cardenas . Laurie R. rated Cameron Lewis 5.0 stars: Cameron Lewis is the “go to” for all my clients who have ever had the pleasure of working with him. Once you go with Cameron, you won’t ever have to search for another lender when making other purchases or refinancing. Cameron is the smartest, most experienced and resourceful lender in the Asheville area. On top of all that, he’s the easiest and most pleasant professional you could hope to work with! It’s ALWAYS better to go with a local lender when purchasing in the area, and Cameron is by far the best in the area! So look no further, and rest assured that you are making the right choice when you pick Cameron ! Atif M. rated Cam Lewis 5.0 stars: Cam did an amazing job explaining everything from day 1 and guiding us every step of the way. He was on top of things and ensured we never missed a task or action item or deadline. I appreciated how prompt Cam was in responding to any question, even if it was after work hours. I would highly recommend Cam to anyone looking for a mortgage and if I ever feel the need to refinance, I'll reach out to Cam without any hesitation. Ronald D. rated Rick Fantucci 5.0 stars: Rick has helped us so much throughout the home buyer process. He is knowledgeable and helpful with various options. I would definitely recommend using his services if you are in the market for buying or refinancing! Chris T. rated Murdock Richard 5.0 stars: Murdock has been our go-to "mortgage man" consistently for over 25 years. He has financed and refinanced our homes and our daughter's homes as well. He goes way beyond just getting us the best rate and mortgage. He cleaned up a credit issue we didn't know about and takes a genuine personal interest in wanting to know us and our family. I have referred many friends to him over the years and they have all been very pleased. I will continue to refer him!

Today's Refinance Rates in Wyoming

Current Wyoming Home Refinance Rates

Get your personalized rate

Refinance Rates Trend in Wyoming

What Affects Mortgage Refinance Rates in Wyoming

Types of Refinances Available in Wyoming

FHA and VA Refinance Options in Wyoming

Conforming Loan Limits for a Wyoming Refinance

Wyoming Refinance FAQs

When Does Refinancing Make Sense in Wyoming?

Does Jackson Have a Higher Conforming Loan Limit?

Is a $1 Million Refinance a Jumbo Loan in Wyoming?

Do Cheyenne or Casper Have Higher Conforming Loan Limits?

Can I Refinance a VA Loan in Wyoming?

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