# Wise Home Lending


## Posts

- [How to Improve Your Credit Score Before Applying for a Mortgage](https://wisehomelending.com/how-to-improve-your-credit-score-before-applying-for-a-mortgage/)
- [The Home Loan Process Explained: What to Expect Step by Step](https://wisehomelending.com/the-home-loan-process-explained-what-to-expect-step-by-step/)
- [Refinancing 101: When Does It Make Sense to Refinance Your Mortgage?](https://wisehomelending.com/refinancing-101-when-does-it-make-sense-to-refinance-your-mortgage/)

## Pages

- [Find My Best Mortgage](https://wisehomelending.com/find-my-best-mortgage/)
- [Find My Best Mortgage with Craig](https://wisehomelending.com/find-my-best-mortgage-with-craig/):  
- [Scott Hastings| Mortgage Broker](https://wisehomelending.com/scott-hastings-mortgage-broker/): Scott Hastings, Mortgage Broker Personalized mortgage guidance for buying, refinancing, or investing. Scott delivers tailored loan solutions with clear communication and trusted expertise, serving clients across North Carolina, South Carolina, Florida, Georgia, and Virginia. NMLS 236669 I’m looking to purchase I’m looking to refinance Scott Hastings Mortgage Broker NMLS #236669 Apply Now scott.hastings@mortgagesbyscott.com Consultation 704-890-7168 Client Testimonials You Can Trust Discover why clients choose Michelle for their mortgage needs. About Scott Hasting Hi, I’m Scott Hastings, a Licensed Mortgage Loan Originator (NMLS #236669) with Mortgages by Scott, proudly serving NC, SC, FL, GA, and VA. Based in Mooresville, North Carolina, […]
- [Jessica Arroyo | Mortgage Broker](https://wisehomelending.com/jessica-arroyo-mortgage-broker/): Jessica Arroyo, Mortgage Broker at Wise Home Lending Jessica provides clear, personalized mortgage guidance for homebuyers and homeowners in Utah and California. Whether you’re purchasing your first home, refinancing, or planning your next move, she focuses on finding the right loan solution, competitive rates, and a smooth process from start to finish. I’m looking to purchase I’m looking to refinance Jessica Arroyo Mortgage Broker NMLS #2561537 | DRE #12580746 Apply Now JessicaA@arborfg.com Consultation 801-893-3435 Client Testimonials You Can Trust Discover why clients choose Jessica for their mortgage needs. About Jessica Arroyo Jessica Arroyo is a dedicated Mortgage Loan Officer who […]
- [Craig Woolston | Mortgage Broker](https://wisehomelending.com/craig-woolston-mortgage-broker/): Craig Woolston, Mortgage Broker at Wise Home Lending Work directly with Craig for clear guidance, competitive loan options, and a smooth mortgage process from pre approval to closing. Whether you’re buying, refinancing, or investing, Craig will help you choose the right strategy and keep everything simple, fast, and stress free. I’m looking to purchase I’m looking to refinance Corbett Uzel Mortgage Broker NMLS #858977 DRE #02124232 Apply Now craigw@arborfg.com Consultation 801-455-4167 Client Testimonials You Can Trust Discover why clients choose Craig for their mortgage needs. About Craig Woolston Craig Woolston is a trusted Mortgage Loan Officer with extensive experience helping […]
- [Mandi Henriod | Mortgage Broker](https://wisehomelending.com/mandi-henriod-mortgage-broker/): Mandi Henriod | Branch Manager & Mortgage Broker With over 28 years of mortgage experience, Mandi provides personalized loan strategies, competitive rates, and clear expert guidance. She works closely with first time buyers and experienced homeowners alike, making the mortgage process smooth, transparent, and stress free from start to finish. NMLS 287291 | DRE 5488774 I’m looking to purchase I’m looking to refinance Mandi Henriod Mortgage Broker NMLS # 287291 | DRE# 5488774 Apply Now mandih@arborfg.com Consultation 801-876-6992 Expert Insights & Tips 1 Videos Demo 1:03 Client Testimonials You Can Trust Discover why clients choose Mandi for their mortgage needs. […]
- [Michelle Holley | Mortgage Broker](https://wisehomelending.com/michelle-holley-mortgage-broker/): Michelle Holley, Mortgage Broker at Wise Home Lending With 27 years of mortgage experience, Michelle makes home financing simple and stress free with competitive rates, strong lender partnerships, and personalized loan options built around your goals. NMLS 248411 | DRE 5489021 I’m looking to purchase I’m looking to refinance Michelle Holley Mortgage Broker NMLS #248411 | DRE #5489021 Apply Now michelleh@arborfg.com Consultation 801-680-7941 Client Testimonials You Can Trust Discover why clients choose Scott for their mortgage needs. About Michelle Holly With over 27 years of experience in the mortgage industry, Michelle Holley brings deep knowledge and steady guidance to every […]
- [Jay Rodriguez | Mortgage Broker](https://wisehomelending.com/jay-rodriguez-mortgage-broker/): Getting a Mortgage Should Be Simple Fast approvals, flexible loan options, and one on one guidance make the mortgage process easier when you work directly with Jay. From the first conversation to closing day, you’ll get clear answers, competitive solutions, and support you can rely on. Based in Santa Ana and licensed in 24 states, Jay proudly serves clients across AL, AR, AZ, CA, CO, FL, HI, IA, ID, IL, KS, MI, MN, MO, NM, OK, OR, TN, TX, UT, VA, WA, WI, and WY. Whether you’re buying your first home, refinancing, or investing, Jay helps you move forward with […]
- [Your Home Loan Experts](https://wisehomelending.com/your-home-loan-experts/)
- [VA Home Loans](https://wisehomelending.com/va-home-loans/): Zero Down Payment, Exclusive Benefits for Veterans! VA Home Loans VA loans offer zero down payment, no private mortgage insurance (PMI), and competitive interest rates—exclusively for veterans, active-duty service members, and eligible spouses. If you’ve served, this benefit makes homeownership more accessible and affordable. Get started today and take full advantage of your VA loan benefits! I’m looking to purchase I’m looking to refinance VA Home Loans What Are VA Home Loans? VA home loans are government-backed mortgages offered exclusively to eligible veterans, active-duty service members, and surviving spouses. Insured by the U.S. Department of Veterans Affairs, these loans make homeownership more […]
- [USDA Loans](https://wisehomelending.com/usda-loans/): Affordable Homeownership in Rural Communities! USDA Loans The USDA loan program makes homeownership more accessible by offering zero down payment mortgages for eligible rural and suburban homebuyers. With low interest rates, flexible credit requirements, and reduced mortgage insurance costs, USDA loans provide an affordable path to buying a home. Find out if a USDA loan is right for you! I’m looking to purchase I’m looking to refinance USDA Loans What Are USDA Loans? USDA loans are government-backed mortgages designed to help low- to moderate-income borrowers purchase homes in eligible rural and suburban areas. These loans are issued by approved lenders and guaranteed by the U.S. Department of Agriculture (USDA), offering affordable financing […]
- [Self-Employed Borrowers](https://wisehomelending.com/self-employed-borrowers/): Flexible Mortgage Solutions for Entrepreneurs! Personalized Mortgage Solutions for Self-Employed Borrowers Being self-employed shouldn’t stop you from owning a home. Whether you’re a business owner, freelancer, or independent contractor, our mortgage solutions provide flexible income verification, alternative loan options, and tailored financing to match your unique financial situation. Let’s find the right mortgage for you today! I’m looking to purchase I’m looking to refinance Personalized Mortgage Solutions for Self-Employed Borrowers What Are Self-Employed Mortgage Solutions? Self-employed mortgage solutions are designed for business owners, freelancers, gig workers, and independent professionals who may not qualify for traditional loans due to fluctuating income or tax deductions. These loans […]
- [Reverse Mortgage](https://wisehomelending.com/reverse-mortgage/): Turn Your Home Equity Into Financial Freedom! Reverse Mortgage A Reverse Mortgage allows homeowners aged 62 and older to convert a portion of their home equity into tax-free cash while continuing to live in their home. With no monthly mortgage payments required, this loan provides financial stability, supplemental income, and greater financial freedom during retirement. Explore your reverse mortgage options today! I’m looking to purchase I’m looking to refinance Reverse Mortgage What Is a Reverse Mortgage? A Reverse Mortgage is a type of home loan designed for homeowners aged 62 and older, allowing them to access their home equity without selling their home. Instead of making monthly payments, the loan balance […]
- [Renovation and Construction Loans](https://wisehomelending.com/renovation-and-construction-loans/): Build or Renovate Your Dream Home with the Right Financing! Renovation and Construction Loans Whether you’re building a new home from the ground up or renovating an existing property, Renovation and Construction Loans provide the funding you need. These specialized loans cover materials, labor, and other construction costs, offering flexible financing options to turn your vision into reality. I’m looking to purchase I’m looking to refinance Renovation and Construction Loans What Are Renovation and Construction Loans? Renovation and construction loans are designed to finance the cost of home improvements, remodeling, or new home construction. These loans allow homeowners and buyers to upgrade, repair, or build properties with […]
- [Refinance Loans](https://wisehomelending.com/refinance-loans/): Lower Rates, Better Terms, More Savings! Refinance Loans Looking to lower your mortgage rate, reduce monthly payments, or access home equity? Refinancing allows homeowners to replace their current mortgage with a new one, helping to save money, shorten loan terms, or tap into home equity. Explore your refinancing options today and take control of your financial future! I’m looking to purchase I’m looking to refinance Refinance Loans What Is Mortgage Refinancing? Refinancing replaces your current mortgage with a new loan that offers better terms, lower interest rates, or access to home equity. Homeowners refinance to reduce payments, switch loan types, or pay off their mortgage faster. […]
- [Non-Qualified Mortgage (Non-QM) Loans](https://wisehomelending.com/non-qualified-mortgage-non-qm-loans/): Flexible Mortgage Solutions Beyond Traditional Limits! Non-Qualified Mortgage (Non-QM) Loans For borrowers who don’t fit conventional lending guidelines, Non-Qualified Mortgage (Non-QM) loans offer flexible solutions. Whether you’re self-employed, have complex income sources, or need alternative loan terms, Non-QM loans provide financing options that traditional mortgages may not. Find out how a Non-QM loan can help you achieve homeownership today. I’m looking to purchase I’m looking to refinance Non-Qualified Mortgage (Non-QM) Loans What Are Non-Qualified Mortgage (Non-QM) Loans? Non-QM loans are mortgage options designed for borrowers who may not meet the strict income, credit, or debt-to-income (DTI) requirements of traditional qualified mortgages. […]
- [Jumbo Loans](https://wisehomelending.com/jumbo-loans/): Higher Loan Limits, Bigger Opportunities! Jumbo Loan Programs Financing a high-value home? Jumbo loans allow buyers to exceed conventional loan limits and secure funding for luxury homes, properties in high-cost areas, or large real estate investments. With competitive interest rates and flexible terms, jumbo loans provide a seamless way to finance your dream home without multiple mortgages. Let’s explore your options today! I’m looking to purchase I’m looking to refinance Jumbo Loan Programs What Are Jumbo Loans? Jumbo loans are home loans that exceed the conventional conforming loan limits set by Fannie Mae and Freddie Mac. These limits vary by […]
- [ITIN Loans](https://wisehomelending.com/itin-loans/): Homeownership Without a Social Security Number! ITIN Loans If you don’t have a Social Security Number but want to buy a home, ITIN loans provide a pathway to homeownership. These mortgage programs are designed for foreign nationals, non-U.S. citizens, and individuals with an Individual Taxpayer Identification Number (ITIN). Flexible qualification requirements and alternative income verification make homeownership possible. Explore your ITIN loan options today! I’m looking to purchase I’m looking to refinance ITIN Loans What Are ITIN Loans? ITIN loans are mortgage programs designed for non-U.S. citizens and foreign nationals who do not have a Social Security Number but have a valid Individual Taxpayer Identification Number […]
- [Investment Property Financing](https://wisehomelending.com/investment-property-financing/): Build Wealth Through Smart Real Estate Investments! Investment Property Financing Looking to expand your real estate portfolio? Investment property loans provide financing options for rental homes, multi-unit properties, and short-term rentals. With competitive rates, flexible loan structures, and financing tailored for investors, you can build wealth through real estate. Let’s explore the best financing solutions for your investment goals! I’m looking to purchase I’m looking to refinance Investment Property Financing What Is Investment Property Financing? Investment property financing provides mortgage options for buyers looking to purchase rental properties, vacation homes, or multi-family units. These loans are designed for real estate investors who generate […]
- [HELOC | Home Equity Line of Credit](https://wisehomelending.com/heloc-home-equity-line-of-credit/): Tap Into Your Home’s Equity – On Your Terms! HELOC | Home Equity Line of Credit Unlock the financial flexibility of your home’s equity with a Home Equity Line of Credit (HELOC). This revolving credit line allows you to borrow funds as needed for home improvements, debt consolidation, major expenses, or unexpected costs. With flexible repayment options and competitive interest rates, a HELOC provides financial freedom without selling your home. I’m looking to purchase I’m looking to refinance HELOC | Home Equity Line of Credit What Is a HELOC? A Home Equity Line of Credit (HELOC) is a revolving line of credit that allows homeowners to borrow against the equity […]
- [First-Time Homebuyer / DPA Loans](https://wisehomelending.com/first-time-homebuyer-dpa-loans/): Making Homeownership More Affordable! First-Time Homebuyer / DPA Loans Buying your first home? Down Payment Assistance (DPA) programs help lower upfront costs with grants, forgivable loans, and flexible mortgage options. Whether you’re struggling to save for a down payment or looking for a more affordable way to buy a home, we can help you find the right program. Get started today! I’m looking to purchase I’m looking to refinance First-Time Homebuyer / DPA Loans What Are First-Time Homebuyer / DPA Loans? First-Time Homebuyer and Down Payment Assistance (DPA) Loans help make homeownership more accessible by offering financial aid for down […]
- [FHA Home Loans](https://wisehomelending.com/fha-home-loans/): 🔑 Easier Qualification, Lower Down Payments! FHA Home Loans Buying a home with limited savings or less-than-perfect credit? FHA loans offer low down payment options, flexible credit requirements, and competitive rates to make homeownership more accessible. Whether you’re a first-time buyer or looking for a more affordable mortgage, FHA loans can help you achieve your homeownership goals. Get started today! I’m looking to purchase I’m looking to refinance FHA Home Loans What Are FHA Home Loans? FHA home loans are government-backed mortgages insured by the Federal Housing Administration. These loans make homeownership more accessible by allowing lower credit scores, reduced […]
- [Conventional Home Loans](https://wisehomelending.com/conventional-home-loans/): 💰 Flexible Financing for Your Dream Home! Conventional Home Loans Looking for a mortgage with competitive rates and flexible terms? Conventional loans offer low down payment options, no mortgage insurance with 20% down, and more lender choices. Whether you’re buying, refinancing, or investing, a conventional loan can be tailored to your needs. Get started today! I’m looking to purchase I’m looking to refinance Conventional Home Loans What Are Conventional Home Loans? Conventional home loans are mortgages that are not insured or backed by the government, making them one of the most flexible and widely used financing options. With low down […]
- [Cash-Out Refinance](https://wisehomelending.com/cash-out-refinance/): Turn Your Home Equity Into Cash! Cash-Out Refinance A Cash-Out Refinance allows homeowners to tap into their home equity and receive cash for home improvements, debt consolidation, investments, or other financial needs. By refinancing your mortgage for more than you owe, you can access lump-sum funds while securing a new loan with potentially better terms. Find out how a cash-out refinance can help you achieve your financial goals today! I’m looking to purchase I’m looking to refinance Cash-Out Refinance What Is a Cash-Out Refinance? A cash-out refinance replaces your existing mortgage with a new, larger loan, allowing you to withdraw the difference in cash. This option helps homeowners access home equity without […]
- [Bank Statement Loans](https://wisehomelending.com/bank-statement-loans/): Mortgage Solutions Without Tax Returns! Bank Statement Loans If you’re self-employed or a business owner, proving income for a mortgage can be a challenge. Bank statement loans offer a flexible alternative by using 12 to 24 months of bank statements instead of tax returns, allowing you to qualify based on actual cash flow. Find out how a bank statement loan can help you buy or refinance a home today! I’m looking to purchase I’m looking to refinance Bank Statement Loans What Are Bank Statement Loans? Bank statement loans are a type of mortgage designed for self-employed borrowers, freelancers, business owners, and independent contractors who do not have traditional […]
- [Adjustable-Rate Mortgages](https://wisehomelending.com/adjustable-rate-mortgages/): Lower Initial Rates, Flexible Terms, and Smart Home Financing! Adjustable-Rate Mortgages (ARM) An Adjustable-Rate Mortgage (ARM) offers an initial fixed-rate period followed by periodic interest rate adjustments. With lower introductory rates compared to traditional fixed-rate loans, ARMs can provide significant savings for homebuyers planning to move, refinance, or pay off their mortgage before the rate adjusts. Learn how an ARM could be the right financing option for you. I’m looking to purchase I’m looking to refinance Flexible Financing with Adjustable-Rate Mortgages What Is an Adjustable-Rate Mortgage? An Adjustable-Rate Mortgage (ARM) is a type of home loan where the interest rate […]
- [NQM Home Loans](https://wisehomelending.com/nqm-home-loans/): Flexible Financing for Unique Borrowers NQM Home Loans – Tailored Solutions for Every Home Buying Journey Discover the freedom of Non-Qualified Mortgage (NQM) Home Loans. Designed for borrowers with unique financial situations, these loans offer flexible, personalized solutions when traditional options fall short. At Wise Home Lending, we simplify the process to make your homeownership dreams a reality. I’m looking to purchase I’m looking to refinance NON-QUALIFIED MORTGAGE (NQM) LOANS – FLEXIBLE SOLUTIONS FOR UNIQUE BORROWERS UNDERSTANDING NON-QUALIFIED MORTGAGE LOANS Non-Qualified Mortgage (NQM) loans are designed to help borrowers who don’t meet the strict requirements of traditional mortgages. These loans […]
- [Home](https://wisehomelending.com/): Your Homeownership Journey Starts Here Welcome to Wise Home Lending At Wise Home Lending, we understand that every journey to homeownership is unique. That’s why we’re here to provide personalized Home Loan and Mortgage solutions tailored to your needs. Home Loans Made Simple, By Mortgage Experts You Can Trust Meet The Wise Home Lending Brokers Our team of experienced Mortgage Brokers is dedicated to helping you achieve your homeownership goals. With personalized advice, expert knowledge, and a commitment to exceptional service, we’re here to guide you every step of the way. Browse the profiles below to connect with your broker […]
- [Apply Now](https://wisehomelending.com/apply-now/)
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- [test](https://wisehomelending.com/test/): Your Homeownership Journey Starts Here Mortgages Made Simple Finding the perfect mortgage shouldn’t be complicated. Whether you’re buying, refinancing, or investing, we offer competitive rates and expert guidance to help you achieve your goals—without the hassle. Let’s make your home financing journey smooth, simple, and stress-free! I’m looking to purchase I’m looking to refinance I’m looking to purchase I’m looking to refinance I’m looking to purchase I’m looking to refinance Mortgages Made Simple Finding the perfect mortgage shouldn’t be complicated. Whether you’re buying, refinancing, or investing, we offer competitive rates and expert guidance to help you achieve your goals—without the […]


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