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Home$tretch Loan Program

Wyoming

Available Assistance

The Home$tretch Loan Program provides eligible applicants with a zero-interest (0.080 percent APR based on an average loan amount of $5,500) second mortgage of up to $10,000. There are no monthly payments required, and the loan only needs to be repaid upon sale of the property, refinance, or 30-year maturity. These loans are offered in conjunction with WCDA first mortgage purchase loans through WCDA participating lenders only.

Eligibility Requirements

The Home$tretch Loan Program is available to any first-time borrowers financing their homes with the WCDA’s Standard First Time Homebuyer Program. All applicants must make a minimum cash contribution of $1,500 (This amount may be a gift).To be considered eligible for the program, and they must also maintain a credit score of at least 620, and have a maximum total debt-to-income ratio of 41 percent. Additionally, it is mandatory for all Home$tretch Loan borrowers to complete WCDA’s regular Homebuyer Education Class, as well as the One-on-One Counseling class.

Property Guidelines

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