Your Homeownership Journey Starts Here
Amy Bass - Your Passionate Mortgage Guide
Tailored and affordable home financing solutions crafted for Salt Lake County families, ensuring a personalized, local touch every step of the way. Explore options with the best mortgage companies in Salt Lake City today. Amy Bass | Mortgage Broker | NMLS #786782 | Licensed in UT.
Mortgages Made Simple
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Making Dreams Come True, One Key at a Time!
Hear What Clients Are Saying About Amy Bass
From first-time homebuyers to seasoned investors, Amy’s personalized approach has helped families achieve their dreams. Read the heartfelt reviews from those who’ve turned to Amy for expert guidance and exceptional service.
Amy was helpful every step of the way and beyond when we were buying our house! Always available and attentive, we cannot recommend her enough.
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Dirt Princess
4 months ago
Amy’s team was amazing and went above on beyond! I wouldn’t trust anyone else. If you want people they truly care about you and your needs then I highly recommend Amy and her team!
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Sara Fluehe
5 months ago
Amy and her team are amazing! Thoughtful and thorough every step of the way. We have purchased many homes; however in different states, so it was nice to have her Utah expertise in our corner. In a constant changing market, she was diligent in ensuring we were able to receive the best possible mortgage and rate. Additionally, she took the time to clearly define all term so that we were comfortable with our buying decision. We wholeheartedly recommend Amy Bass!
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Alison Vuijsters
6 months ago
Amy was the best. She kept us informed on the progress of our loan and the next steps to take. She checked in on us regularly to see if we needed any help or to make sure we understood the paper work. I consider Amy a friend forever and would definitely recommend her and would use her again if the the time comes that we could use her services.
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kaye summers
8 months ago
Amy & team were great to work with! They made the process easy and always made sure our needs were taken care of.
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Brian Dickerson
8 months ago
I had the opportunity to work with Amy this month on a transaction. Having a good lender is key in a transaction. She made me job as an agent so much easier. She communicated so well and worked so well with my clients. Thank you Amy for being professional and kind.
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Whitney Tucker
8 months ago
Mortgages Made Simple
Tailored Mortgage Solutions for You
First-Time Homebuyer / DPA Loans
Amy Bass is passionate about helping first-time buyers achieve their dream of homeownership. With low down payment options and down payment assistance (DPA) programs, Amy makes it easier to get started. Whether you’re ready to buy now or need help improving your credit, Amy provides expert guidance to simplify the process and help you take that first step toward owning your home.
CONVENTIONAL LOANS
For buyers seeking competitive rates and flexible terms, Amy Bass offers conventional loan solutions that fit your budget. With down payments as low as 3%, these loans work for first-time buyers, repeat buyers, and those looking to refinance. Amy helps you explore options to eliminate private mortgage insurance (PMI) and tailor financing to meet your long-term goals.
FHA HOME LOAN
FHA loans make homeownership accessible with low down payments starting at 3.5% and flexible credit requirements. Whether you’re a first-time homebuyer or need help qualifying for a loan, Amy Bass specializes in FHA financing and works to match you with affordable solutions. With options to use gift funds for down payments and lower credit score requirements, FHA loans are an excellent way to achieve homeownership.
VA Home LOANS
As a dedicated loan officer, Amy Bass proudly supports veterans, active-duty service members, and military families by offering VA home loans with zero down payment, no PMI, and low-interest rates. Whether you’re buying a home or refinancing, Amy’s expertise in VA financing makes it easier for those who have served to secure affordable, flexible housing options.
JUMBO LOAN PROGRAMS
When purchasing high-value homes, Amy Bass provides jumbo loan programs with competitive rates and custom financing solutions. Whether you’re upgrading to your dream home or investing in luxury real estate, Amy offers flexible terms to help you secure the financing needed for larger purchases that exceed standard loan limits.
PERSONALIZED MORTGAGE SOLUTIONS I SELF EMPLOYED
Amy Bass understands the unique needs of self-employed buyers and offers personalized mortgage solutions tailored to your situation. With flexible income verification methods and specialized programs, Amy helps business owners and freelancers access financing without the hurdles of traditional documentation requirements.
NON-QUALIFIED MORTGAGE (NQM) LOANS
For buyers who don’t fit into traditional lending guidelines, Amy Bass offers Non-QM loans designed for real estate investors, self-employed borrowers, and those with non-traditional income streams. These loans allow for alternative income verification and flexible qualification standards, making homeownership possible for a wider range of buyers.
BANK STATEMENT LOANS
If you’re self-employed or a business owner without traditional income documentation, Amy Bass can help you qualify with bank statement loans. By using bank deposits instead of tax returns, Amy provides options for borrowers who need a more flexible approach to income verification, simplifying the loan process while offering competitive rates.
INVESTMENT PROPERTY FINANCING
Amy Bass specializes in helping clients build wealth through real estate investments. Whether you’re purchasing your first rental property or expanding your investment portfolio, Amy provides investment property loans with flexible terms and competitive rates to help you maximize returns and grow your financial future.
ITIN Loans
Amy Bass is committed to making homeownership accessible to non-U.S. citizens with ITIN loans, which allow buyers to qualify using their Individual Taxpayer Identification Number instead of a Social Security Number. Amy provides personalized solutions for buyers looking to own a home and build financial stability in the U.S.
Refinance Options
Whether you’re looking to lower your monthly payments, cash out equity, or shorten your loan term, Amy Bass offers refinance solutions designed to fit your financial goals. With expertise in both rate-and-term refinancing and cash-out options, Amy can help you save money and unlock your home’s value.
HELOC | Home Equity Line of Credit
Access the equity in your home with a HELOC through Amy Bass. Offering low-interest rates and flexible repayment terms, a home equity line of credit gives you the freedom to finance home improvements, pay off debt, or cover unexpected expenses while keeping payments manageable and affordable.
Renovation and Construction Loans
Whether you’re renovating a fixer-upper or building your dream home from the ground up, Amy Bass offers renovation and construction loans to help finance every stage of your project. These loans are perfect for homebuyers who need funds for repairs, upgrades, or new builds. Amy simplifies the process, so your vision becomes reality.
USDA Loans
For buyers looking in rural and suburban areas, Amy Bass provides USDA loans with zero down payment and affordable rates. These loans are backed by the U.S. Department of Agriculture and are ideal for buyers who want affordable homeownership in eligible areas. Amy will guide you through the eligibility process and help you secure financing.
Adjustable-Rate Mortgages
Amy Bass offers adjustable-rate mortgages (ARMs) for buyers who need lower initial payments or plan to refinance later. ARMs start with lower interest rates that adjust after a fixed period, making them ideal for short-term homeowners or buyers expecting financial growth in the future. Amy’s expertise ensures you fully understand your options and choose the right loan for your goals.
Amy's Bio
I love when individuals ask me, what I do for a living? My entire career has been spent helping everyday people cross items off their bucket list. That’s right! I get to sit down with clients and plan out their financial future! They may buy a home this month, it may take us three years but let me tell you, when that long term client sits down at the closing table and walks away with their very own keys, to their very own home my heart explodes with happiness for them! If you want to buy your first home or 150th door, I know a program for you! If you need help on credit because you just don’t know why your score is where it is, give me a call, I’m happy to talk about options. Ready to dig in and buy a home that needs to be renovated? Guess what? I have a renovation loan for you! My everyday is made by talking with people from all walks of life and as I turn off my computer, each night, I know I helped families get into what will be their house, which will turn into their home, their happy place, and where their memories will be made!
When I’m not talking about mortgage, credit, or lending, you’ll find me bouncing around the valley, Hiking! I have two crazy pugs – Milly and Philly, Jon my right-hand BFF and I will be six feet behind them typically laughing at how silly they are and trying to keep up as we hike, run, and walk our beautiful town! Jon and I break apart a self – help books once a week on YouTube – Chai & Chat SLC. All this exercise leads to my love of testing all the restaurants in the valley! I have two grown up daughters who are creating their own fabulous lives, when they have time, they’ll join me hiking, skiing, concerting or just cuddling in bed with a book. Doesn’t matter how old we get a great cuddle session is the perfect nightcap, so we can get up again tomorrow and do it again! Much Love and I look forward to meeting you soon.
Your Trusted Guide for Home Loans and Mortgages
Amy Bass – Loan Officer
Discover how Amy Bass, Loan Officer at Wise Home Lending, combines expertise and dedication to help you achieve your homeownership dreams. From personalized service to competitive mortgage solutions, Amy is here to make the process seamless and straightforward.
What services does Amy Bass provide?
Amy specializes in a wide range of home loan and mortgage solutions, including Conventional Loans, FHA Loans, VA Loans, Jumbo Loans, USDA Loans, and Refinancing Options. She also provides personalized mortgage solutions for self-employed borrowers, first-time homebuyers, and clients with unique financial situations.
What types of loans does Amy offer?
Amy offers a wide range of mortgage solutions, including:
- Conventional Loans – Competitive rates with flexible terms.
- FHA Loans – Low down payment options for first-time buyers.
- VA Loans – No down payment options for veterans and service members.
- Renovation Loans – Ideal for buyers looking to finance repairs or upgrades.
- Jumbo Loans – Loans for high-value properties.
- USDA Loans – Zero down payment loans for rural areas.
- Non-QM Loans – Flexible programs for unique income situations.
- Bank Statement Loans – Perfect for self-employed borrowers.
- ITIN Loans – Loans for non-U.S. citizens without a Social Security Number.
- Down Payment Assistance Programs – Help for eligible buyers to cover initial costs.
Does Amy work with first-time homebuyers?
Yes, Amy is passionate about helping first-time homebuyers navigate the mortgage process. She offers guidance on Down Payment Assistance Programs and loan options like FHA and USDA Loans to make homeownership more accessible.
What makes Amy different from other loan officers?
Amy takes a personal approach to lending. She doesn’t just process loans—she builds relationships. Whether it’s helping first-time buyers, seasoned investors, or clients working on their credit, Amy provides tailored solutions and ongoing support to ensure success.
Does Amy work with first-time homebuyers?
Absolutely! Amy loves working with first-time homebuyers and offers programs designed to make the process affordable and stress-free.
Can Amy help experienced investors?
Yes! Whether it’s your first home or your 150th investment property, Amy knows the programs and strategies to help you achieve your goals.
Loan Programs and Services
What types of loans does Amy offer?
Amy offers a wide range of mortgage solutions, including:
- Conventional Loans – Competitive rates with flexible terms.
- FHA Loans – Low down payment options for first-time buyers.
- VA Loans – No down payment options for veterans and service members.
- Renovation Loans – Ideal for buyers looking to finance repairs or upgrades.
- Jumbo Loans – Loans for high-value properties.
- USDA Loans – Zero down payment loans for rural areas.
- Non-QM Loans – Flexible programs for unique income situations.
- Bank Statement Loans – Perfect for self-employed borrowers.
- ITIN Loans – Loans for non-U.S. citizens without a Social Security Number.
- Down Payment Assistance Programs – Help for eligible buyers to cover initial costs.
Does Amy offer credit guidance?
Yes! Amy is happy to help clients understand their credit scores and explore options to improve them, making homeownership more accessible.
Can Amy help with renovation loans?
Definitely! Amy offers renovation loans that allow you to purchase and renovate a home with one simple loan.
Working with Amy
How long does it take to buy a home with Amy?
It depends on your situation. Amy works at your pace, whether you’re ready to buy this month or need time to prepare. She’s committed to guiding you every step of the way.
What should I expect when working with Amy?
Expect clear communication, personalized guidance, and a focus on finding the right mortgage solution for your needs. Amy’s goal is to make the process smooth, stress-free, and even fun!
Does Amy work with clients outside Utah?
Amy is licensed in Utah, but as part of the Wise Home Lending Team, she has access to competitive programs nationwide to meet the needs of clients across the country.
What makes Amy different as a Loan Officer?
Amy takes a personalized approach to lending, focusing on understanding each client’s unique financial goals. With her expertise and commitment to clear communication, she ensures a seamless and stress-free mortgage process from start to finish.
Can Amy assist self-employed borrowers?
Absolutely. Amy specializes in solutions for self-employed individuals, including Bank Statement Loans and Non-QM Loans. These options are tailored for clients with non-traditional income sources who may not qualify for conventional loans.
Does Amy offer loan options for high-value properties?
Yes, Amy provides Jumbo Loans for clients purchasing high-value properties that exceed the limits of conventional financing. She works to secure competitive terms and rates for luxury home purchases.
Can Amy help with refinancing?
Yes, Amy offers refinancing solutions to help homeowners lower their monthly payments, access home equity, or adjust their loan terms. Whether you’re looking to save money or restructure your mortgage, Amy provides expert guidance.
What is Amy’s process for getting started with a loan?
Amy begins with a consultation to understand your financial goals and discuss available loan options. She guides you through the pre-approval process, ensuring you have a clear understanding of what to expect. From there, she supports you every step of the way, from application to closing.
Does Amy work with veterans and active-duty military?
Yes, Amy is proud to offer VA Loans, which provide no down payment, competitive rates, and exclusive benefits for eligible veterans and active-duty military members.
How can Amy help clients with credit challenges?
Amy provides personalized advice to help clients improve their credit and explore loan programs with flexible credit requirements, such as FHA Loans or Non-QM Loans. She works to find solutions that align with your financial situation.
Does Amy work with clients outside of her local area?
Yes, Amy is part of the Wise Home Lending team, which operates nationwide. She can provide mortgage solutions and expert advice to clients across the country.
What’s the best way to contact Amy?
You can reach Amy directly by phone, email, or by scheduling a consultation through her website. She is available to answer your questions and guide you through the mortgage process.
Ready to Get Started?
Contact Amy Bass today to discuss your home loan needs and start your journey toward homeownership.
Phone: (435) 729-9728
Email: [email protected]
Schedule a consultation
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