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The Advantage home purchase or refinance product is available to first-time homebuyers and current homeowners. Advantage is the perfect solution for borrowers who have a slightly higher income than our first-time homebuyer product.

WCDA Advantage Home Purchase Mortgage Loan Program offers:

  • FHA, VA or Rural Development insured/guaranteed loan type

  • Purchases or limited cash out refinances

  • 30-year fixed rate mortgage

  • No purchase price limit

  • You must be purchasing a home on six (6) acres or less and not more than one legal building lot

  • Not subject to the Federal Recapture Tax provision

  • May be used in conjunction with the WCDA MCC Program


  • No first-time homebuyer requirement

  • Total income must be at or below the income limits. See Purchase Price & Income Limits

  • Minimum FICO credit score of 620

  • Must occupy property as principle residence

  • First-time homebuyers are required to complete the homebuyer education class through Wyoming Housing Network, Inc.

WCDA news

WCDA Closed February 19, 2018

WCDA will be closed all day Monday, February 19, 2018. We will reopen with regular…read more »

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