Welcome to Wise Home Lending

We offer a full range of loan programs, including:

• Conventional Loans – Flexible terms and competitive rates.
• FHA Loans – Low down payment options for first-time buyers.
• VA Loans – No down payment loans for veterans and active-duty service members.
• USDA Loans – Zero down payment financing for rural areas.
• Jumbo Loans – Financing for high-value properties.
• Renovation Loans – Loans for home improvements and repairs.
• Non-QM Loans – Flexible options for borrowers with unique income situations.
• Bank Statement Loans – Ideal for self-employed borrowers.
• DSCR Loans – Financing for real estate investors.
• Down Payment Assistance Programs – Help for eligible buyers.
• ITIN Loans – Mortgages for non-U.S. citizens without a Social Security Number.
• Refinance Options – Lower payments, consolidate debt, or access equity.
• Adjustable-Rate Mortgages (ARMs) – Flexible rates for short-term goals.

No matter your needs, we have a mortgage solution for you.

Yes! We specialize in Home Loans tailored to self-employed individuals. Options like Bank Statement Loans and Non-QM Mortgages make it possible to qualify based on your unique financial profile.

Yes! We provide Bank Statement Loans and Non-QM Loans designed specifically for self-employed individuals and those with non-traditional income.

We prioritize personalized service and expert guidance to create stress-free mortgage experiences. Our wide range of loan products allows us to tailor solutions to fit each borrower’s needs—whether you're a first-time buyer or a seasoned investor.

Absolutely! We offer Down Payment Assistance Programs to help qualified buyers cover their upfront costs and make homeownership more accessible.

How do I start the loan process?
Getting started is easy! Simply schedule a consultation with one of our Mortgage Brokers, who are all home loan experts. You can also apply online or contact us directly by phone or email to discuss your goals and find the right mortgage solution for you.

Typically, you’ll need:

• Proof of income (pay stubs, W-2s, or tax returns)
• Employment verification
• Bank statements
• Credit history
• Identification (driver’s license or passport)

We’ll guide you step-by-step through the entire process and let you know exactly what’s needed based on your situation.

The process can vary depending on your loan type, but we work quickly to provide pre-approvals within 24-48 hours. Closing timelines typically range from 21 to 30 days, and we’ll keep you updated at every stage.

Yes! Our home loan experts can evaluate your credit situation, discuss ways to improve your score, and recommend home loan programs designed to fit your needs—even if you’re working on building or repairing credit.

Wise Home Lending specializes in helping first-time homebuyers navigate the mortgage process with expert guidance and personalized home loan solutions. We offer:

• Down Payment Assistance Programs – Helping qualified buyers cover upfront costs.
• FHA Loans – Low down payment options with flexible credit requirements.
• Conventional Loans – Competitive rates and terms for qualified buyers.
• Credit Support – Assistance with evaluating and improving your credit score.
• Step-by-Step Guidance – From pre-approval to closing, we ensure a smooth and stress-free experience.

Schedule a consultation today with one of our Mortgage Brokers to start your journey to homeownership!

Schedule a consultation today with one of our Mortgage Brokers and let’s make your homeownership goals a reality!

Wise Home Lending is located at 488 E Winchester St, Murray, UT, United States, offering convenient access for local clients.

We’re here to make your mortgage journey simple, personalized, and stress-free. Whether you’re buying your first home, refinancing, or investing, the Wise Home Lending team is ready to provide expert guidance and tailored solutions.

Get in Touch Today!
📧 Email:
📞 Call or Text: (801) 123-4567
📍 Locations: Serving clients nationwide with offices in Utah and beyond.

How We Can Help:

Schedule a Consultation: Discuss your goals and explore the best mortgage options.
Apply Now: Start your loan application online for a quick and seamless process.
Ask Questions: Our team is happy to answer any questions and provide clarity at every step.
Let’s work together to achieve your homeownership goals! Reach out today, and let the Wise Home Lending team guide you every step of the way.

How can I contact Wise Home Lending?
You can call or text us at (801) 876-6992, email us at [email protected], or schedule a consultation directly through our website.

Yes, the Wise Home Lending team operates across multiple states, providing personalized mortgage solutions tailored to clients nationwide. Contact us to find out if we can assist you in your specific location.

Our team is committed to providing clear communication, expert guidance, and seamless service at every step. From pre-approval to closing, we streamline the mortgage process, ensuring that you feel informed and confident throughout your journey.

Wise Home Lending combines industry expertise with a personalized approach. Our team focuses on understanding your financial goals and providing tailored solutions. With access to a variety of loan products and competitive rates, we prioritize your needs to help you achieve your homeownership dreams.

Absolutely. We specialize in non-traditional loan options, such as Bank Statement Loans, Non-QM Loans, and ITIN Loans. These solutions are ideal for self-employed borrowers, real estate investors, or those with unique income sources.

The closing timeline depends on the loan type and complexity of your financial situation. On average, most loans close within 30 to 45 days. We work efficiently to keep the process on track and provide updates throughout.

Yes, we love helping first-time homebuyers navigate the mortgage process. We offer programs like Down Payment Assistance (DPA) and FHA Loans to make homeownership more accessible. Our team provides step-by-step guidance to ensure you feel supported.

Pre-qualification is an initial assessment of your finances to estimate how much you may be able to borrow. Pre-approval is a more in-depth process where a lender reviews your credit, income, and assets to provide a conditional commitment for a specific loan amount.

Yes, we offer a variety of refinancing options to help you lower your monthly payments, access home equity, or shorten your loan term. Contact us to discuss your refinancing goals and explore the best options for your needs.

Getting started is easy. Schedule a consultation, apply online, or contact us directly by phone or email. Our team will guide you through the process, answer your questions, and help you choose the loan that best fits your financial goals.

Our team at Wise Home Lending is dedicated to providing exceptional service, personalized solutions, and expert advice. With a commitment to integrity, transparency, and client success, we’ve earned the trust of homeowners and buyers across the nation.