Know Your Numbers. Plan Your Future.
Mortgage Calculator
Get a quick estimate of your monthly mortgage payments and see what fits your budget. Use our calculator to explore your options and start planning today.
Mortgage Calculator – Plan Your Homeownership Journey
Buying a home is a big step, and knowing what you can afford is the key to feeling confident in your decision. Our mortgage calculator helps you estimate your monthly payments so you can plan ahead and explore your options with ease. Whether you’re just starting your home search, thinking about refinancing, or considering an investment property, this tool gives you quick answers to guide your next steps.
Let’s Make It Happen
Once you’ve run the numbers, the next step is to talk to one of our mortgage experts. We’ll review your results, answer your questions, and help you find the right loan for your needs. From FHA and VA loans to Conventional mortgages and down payment assistance programs, we’re here to make the process simple and stress-free.
Have Questions About Your Results?
Our team of Home Loan specialists is here to provide personalized advice and help you understand your financing options. Fill out the form below or give us a call to discuss your Mortgage goals!
First-Time Homebuyer / DPA Loans
We help first-time homebuyers with Down Payment Assistance (DPA) loans, offering support to make homeownership more accessible. Our team guides you through each step, ensuring you understand your options and make informed decisions.
Conventional Loans
FHA Home Loan
Our FHA home loans offer flexible credit and down payment options. They are ideal for first-time homebuyers or those with limited funds. Let our team help you navigate the process with ease and confidence.
VA and FHA Loans
Jumbo Loan Programs
Personalized Mortgage Solutions / Self employed
Non-Qualified Mortgage (NQM) Loans
Bank Statement Loans
Bank Statement Loans provide an alternative for self-employed clients. We review 12 or 24 months of bank statements to verify income, offering a flexible mortgage solution without traditional income documentation.
Investment Property Financing
We help you secure financing for investment properties with competitive rates. Our team guides you through the process, ensuring informed decisions tailored to your financial goals.
ITIN Loans
We offer ITIN loans for clients without a social security number. Our team helps you navigate unique lending requirements, providing guidance to secure the right mortgage for your needs.
Refinance Options
We provide various refinance options to help you lower your interest rate, reduce your monthly payments, or access your home equity. Our experts guide you through the process, ensuring the best solution for your needs.
HELOC | Home Equity Line of Credit
Access the equity in your home with our HELOC options. We help you find flexible terms to meet your financial needs, offering personalized guidance every step of the way.
Renovation and Construction Loans
Our renovation and construction loans are designed to help clients finance home improvements or new constructions. We offer competitive rates and flexible terms to suit your project needs.
USDA Loans
Our USDA Loans offer you a way to finance a home with no down payment. Benefit from competitive rates and flexible terms, ideal for rural property purchases or refinancing in eligible areas.
Adjustable-Rate Mortgages
Adjustable Rate Mortgages (ARM)s are loans whose interest rate can vary during the loan's term. These loans usually have a fixed interest rate for an initial period of time and then can adjust based on current market conditions
Customized Mortgage Planning
Our team provides tailored mortgage plans to fit your unique needs. We guide you through the process with expertise, ensuring you make informed decisions for your home financing.
First-Time Buyer Guidance
We support first-time homebuyers by providing clear information and personalized assistance throughout the mortgage process, helping them make informed decisions with confidence.
Jumbo Loan Solutions
We offer Jumbo Loans for those seeking higher loan amounts. Our team finds competitive rates and terms to fit your financial situation, ensuring a smooth and personalized lending experience.
Experience You Can Trust
WISE Lending Team Google Reviews
See why clients trust the Wise Home Lending Team for their home loan needs. Explore Google Reviews that highlight our dedication to exceptional service and seamless mortgage solutions.
I can not say enough good things about Mandi and her team. This is the 2nd time we have worked with Mandi in purchasing a home. She is incredibly knowledgeable and in my opinion overly accessible. She made sure to contact us personally while she was on vacation and this was after someone from her team had already called to talk us through a tricky financial pivot we would potentially have to make. They gave us the best rates by far and recommend her and her team to anyone buying a home.
Read moreEmily Williams
12 days ago
We recently worked with Amy in the purchase of our first home. As first-time home buyers, we obviously had a ton of questions. Amy and her team were so helpful and patient with all of the questions we had throughout the process. They made the whole experience so much less stressful than we expected it to be. I would recommend any home buyer, especially someone who has never gone through the process before, to go through WISE Lending!
Read moreSamantha Anderson
27 days ago
Amy helped us recently for the second time and this experience was as good as the first. She manages to balance being knowledgable and professional with a natural friendliness which makes working with her easy and enjoyable.
Read moreJade Bloomfield
1 month ago
I had the pleasure of working with Mandi Henriod as my mortgage originator with Wise Home Lending, and I cannot recommend her highly enough! From start to finish, Mandi made the entire mortgage process smooth, straightforward, and stress-free. She took the time to thoroughly explain every step, answered all of my questions, and provided thoughtful advice tailored to my specific needs. Her professionalism and attention to detail were evident in every interaction. What really stood out to me was how approachable and supportive she was throughout the entire process. She made me feel like I was her top priority, always ensuring I was informed and comfortable with every decision. Mandi’s expertise and dedication ensured that I received the best possible terms, and I truly felt like I had a partner who had my best interests at heart. If you’re looking for a mortgage originator who is not only knowledgeable but also genuinely caring, Mandi Henriod is the one to call!
Read moreJoe Hatch
1 month ago
This is the best lending team in Utah! They have the highest degree integrity and professionalism and there is no one I trust more with my clients. Mandi and Amy are so knowledgeable and also such great humans. They are creative and innovative and I love knowing they have my clients best interest at heart.
Read moreEmily Brace
3 months ago
I had an absolutely incredible experience with Mandi Henriod and the team of Wise Home Lending. This was my second time buying a house with Mandi's help, and in this second turn, I did my due diligence, and put research into making sure I was choosing the right lender. After reviewing some other lenders it was very clear that Mandi's team was exactly what I was looking for. They said the things that I needed to hear. They were quick and responsive to my requests. They were transparent with what was happening in the market and the process. At the end of the day, it was a win win. I now have a great home and the process was made painless with the help of Mandi and Wise Home Lending. They are an incredible team!
Read moreMichael Sammann
4 months ago
Unlock Your Home’s Potential
Discover tailored mortgage solutions with the Wise Home Lending Team, serving clients across 21 states. Our expert brokers are here to guide you every step of the way toward your new home.