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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.

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