Mortgage and Refinance Loans

First Mortgage

Explore flexible mortgage solutions through our trusted partner, Centennial Lending, with guidance every step of the way

Contact the Mortgage Team

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Your Homeownership Journey Starts Here

Buying a home is one of life’s biggest milestones, and Blue is here to help make the process feel simpler and more approachable.

Through our trusted partner, Centennial Lending, you’ll have access to a wide range of first mortgage solutions designed to meet your needs. Together, we’ll help connect you with the right options, clear guidance, and the support you need to move forward with confidence.

Mortgage solutions may include:

Conventional, FHA, VA, and *WCDA loans

Construction and business property financing options

Refinance solutions

Customized lending programs tailored to your goals

Mortgage FAQs

Have a question about Mortgage? Find answers to the most common ones below.

How do I apply for a first mortgage through Blue?

Getting started is simple. Blue connects with our trusted mortgage partner, Centennial Lending, and you’ll work with experienced mortgage professionals to explore your options, complete your application, and receive guidance through every step of the process. Apply now through Centennial Lending or connect with our Mortgage Team

*What is a WCDA Loan?

If you’re a first-time homebuyer in Wyoming, you may qualify for a Wyoming Community Development Authority (WCDA) loan, which offers special interest rate opportunities to help make homeownership more accessible.
In general, eligible buyers cannot have owned a home within the past three years, and income limits may apply. Blue and Centennial Lending can help you explore whether this program is the right fit for your homebuying journey.

What types of mortgage loans are available?

Purchases

30/20/15-Year Conventional
Jumbo
Adjustable Rate (ARM’s)
Government (FHA, VA, WCDA)
Land
One-time Construction
Investment Properties
First-Time Homebuyer

Refinance & Cash Out

Rate & Term or Cash-Out/Debt Consolidation
Jumbo Refinances
Adjustable Rate (ARM’s)
Bridge
Land
Investment Properties (to include 2^nd liens)
Government Loans (FHA, VA)

What additional loan options are available at Blue?

Unique Properties
Large Acreage
Multi-Use
Deed Restricted & Non-Warrantable
Debt-Service Loans

What do I need to qualify for a mortgage?

Mortgage qualification depends on several factors, including your credit history, income, debt-to-income ratio, down payment amount, and the type of loan you’re applying for. We can help review your financial picture and identify options that may work best for you. Email the mortgage team.

What are your Current Rates

Please provide us with some information by filling out the rate request form, and one of our mortgage officers will provide you with your rate range

Do you have anything available to help me calculate my options?

You can use these calculators to help you explore your possibilites

» Home Affordability Calculator
» Mortgage Qualification Calculator
» Balloon Mortgage Payment Calculator