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WCDA Advantage Program

The WCDA Advantage home purchase or refinance FHA mortgage loan program is available to previous and current homeowners and first-time homebuyers. This program offers affordable interest rates with a 30-year fixed rate mortgage. WCDA Advantage is the perfect solution for borrowers who have a slightly higher income than our Standard Program Requirement.

WCDA Advantage Home Purchase Mortgage Loan Program offers:

  • FHA or Rural Development insured/guaranteed loan type

  • Purchases or limited cash out refinances (RD refis must be a refinance of a current RD loan)

  • 30-year fixed rate mortgage

  • No purchase price limit

  • You must be purchasing a home on six (6) acres or less

  • Not subject to the Federal Recapture Tax provision

  • May be used in conjunction with the WCDA MCC Program


  • No first-time homebuyer requirement

  • Income limits set at 140% of HUD state median income (currently $100,000 for all counties and all family sizes) for FHA loans

  • RD income limits on RD loans

  • Minimum FICO credit score of 620


  • Live in property as primary residence

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

WCDA Advantage Home Refinance Mortgage Loan Program:
Same requirements as the purchase loan program, except for the homebuyer education requirement. Borrower cannot use the WCDA MCC program with the Advantage Home Refinance Program.

WCDA news

Closed August 21, 2017 for Solar Eclipse

WCDA will be closed all day Monday, August 21st, 2017 for the Solar Eclipse event.…read more »

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