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Home Loans

Our mission in the Home Loan Program is to evaluate the water and wastewater systems on rural properties involved with transfer of ownership. This evaluation is designed to protect the health and well-being of the persons using these systems and the environment around them.

The home loan (mortgage inspections) program is an evaluation done on rural properties in Laramie County during the conveyance or transfer of property ownership. Loan evaluations are required by FHA, VA, and most conventional loan agencies. State Statutes required the State Department of Health to adopt rules so that VA/FHA loans would not be required to meet all EPA drinking water quality standards. The Adopted rules are available below. The loan evaluation reviews the following items:

  • Water tests for Coliform Bacteria, Nitrates, Sulfates, TDS plus lead and pH when needed.
  • Last pumping of the septic tank
  • Surface evaluation of the septic system
  • Integrity of the well
  • Comparison of septic system capacity vs. the present size of the home
  • Illegal laundry waste dumping
  • Backflow prevention on irrigation systems
  • Other items as needed


State Statutes
Wyoming Department of Health Rules


Application Form

  • A septic tank pumping receipt is required (less than three years old)
  • Well registration # and depth is needed, contact the WY State Groundwater Engineer at 307-777-7354 to obtain the requested information.

Inspections start at $320.00 but lab fees will vary based on services.

Homes on public water supply are $235.00