Welcome to the Guffey Home Loans, Inc. rates page. If you have questions, please feel free to contact one of our representatives today.  You can also complete an online application today and one of our representatives will be in touch with you!

Current posted rates are in effect as of 07/01/2010 8:30:59 AM Central Time.

Rates are subject to change without notice.

30 Year Fixed - Owner Occupied
RatePointsAPRLock Days
4.375%1.000%4.577%30
4.500%0.500%4.659%30
4.625%0.000%4.742%30
The APR is calculated using a loan amount of $100,000 and these typical fees.


20 Year Fixed - Owner Occupied
RatePointsAPRLock Days
4.250%1.000%4.527%30
4.375%0.500%4.593%30
4.625%0.000%4.785%30
The APR is calculated using a loan amount of $100,000 and these typical fees.


15 Year Fixed - Owner Occupied
RatePointsAPRLock Days
3.875%1.000%4.225%30
4.000%0.500%4.276%30
4.250%0.000%4.451%30
The APR is calculated using a loan amount of $100,000 and these typical fees.


VA 30 Year Fixed - 100% financing
RatePointsAPRLock Days
4.375%1.000%4.502%30
4.500%0.500%4.584%30
4.750%0.000%4.792%30
The APR is calculated using a loan amount of $100,000 and these typical fees.


FHA Loan - 96.5% Purchase - 85% Cash-out
RatePointsAPRLock Days
4.250%1.000%4.470%30
4.375%0.500%4.553%30
4.500%0.000%4.635%30
The APR is calculated using a loan amount of $100,000 and these typical fees.

Rates quoted for FICO score above 720 for all conventional loan programs - Minimum 620 Score for VA & FHA 

The term "Points" is understood to be our "Origination Fee" for the loan, NO Discount Points are charged for these rates.  Standard Loan Fees in addition to the Origination fee are:  Processing: $450/Conventional loans or $650/Govenment loans, Admin./Underwriting Fee: $435, Estimated Appraisal Fee - $465, Credit Report: $16.90

We have other purchase and refinance loan programs available to meet your needs.  If you don't see a program you would like information on, please call us at 307-745-3366 and a representative would be glad to help you.

Other loan programs include:  FHA, Affordable Housing, Manufactured Home loans.

Guffey Home Loans, Inc. is a Licensed Mortgage Broker in the State of Wyoming. State License Number:  1990  NMLS Office Number: 166789

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Guffey Home Loans, Inc. 208 Grand Ave. Laramie, WY 82070-3715
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