Credit Union Mortgages: The Better Choice
You may wonder how a credit union mortgage differs from one offered by a large commercial bank. The answer? In almost every way that benefits you.
Local Knowledge, Personal Service
At WyHy, we don’t just know mortgage lending, we know Wyoming. We understand the local housing market, from Cheyenne to Rock Springs and everywhere in between.
When you borrow from a credit union, you aren’t just a number in a computer system. You’re a member of the same community in which we live and work. That means a personalized experience and guidance you won’t get from a large out-of-state bank.
Competitive Rates That Save You Money
As a member-owned, not-for-profit financial institution, our goal is to return value to you, not shareholders. This often means lower mortgage rates and more competitive loan terms.
Lower interest rates can translate to lower monthly payments and thousands saved over the life of your mortgage. And if your credit needs a little work, we’ll help you find a path forward so you can qualify for the best rate possible.
Fewer Extra Fees
Buying a home comes with enough expenses as it is. The last thing you need is a surprise pile of fees.
Credit unions typically offer fewer extra costs than commercial banks, helping you keep more money where it belongs, invested in your new home. Things like origination fees and closing costs are kept reasonable and transparent.
Member-Owned, Community-Focused
When you're part of WyHy, you’re part of something bigger. Every member is also an owner, which means decisions are made with you in mind, not corporate profits.
That member-first approach shows up in all the little ways: quicker close times, shorter waits when you need help, and loan officers who actually listen and care. We believe in “people helping people,” and that includes making homeownership a positive experience from start to finish.
Mortgage Options to Fit Your Needs
Every homebuyer is different, and so are our mortgage solutions. WyHy offers a variety of mortgage types and term lengths, including:
Not sure which one is right for you? Our team will walk you through your options, answer your questions, and help you feel confident every step of the way.
Borrow With Confidence
Buying a home is a major milestone, and you deserve a mortgage partner who’s in your corner.
At WyHy, we’re proud to offer local expertise, competitive rates, and personalized service to help you achieve your dream of homeownership. Whether it’s your first home or your forever home, we’ll be with you every step of the way.