Guiding You Home with Expertise, Integrity, and Service.
Craig Woolston, Mortgage Loan Officer
Helping you achieve your homeownership goals with personalized home loan and mortgage solutions, competitive rates, and expert guidance. Whether you're a first-time homebuyer, refinancing, or investing, Craig is here to make the process smooth, stress-free, and rewarding—nationwide! NMLS #308813 | DRE #5488966
Mortgages Made Simple
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Mortgages Made Simple – Tailored Solutions for Every Homebuyer!
Your Mortgage Options—Expert Solutions for Every Stage of Homeownership
From first-time buyers to seasoned investors, we offer a wide range of mortgage products designed to fit your unique needs. Whether you're looking for low down payment options, refinancing opportunities, or specialized loans for self-employed borrowers, our team is here to guide you every step of the way. Explore flexible programs, competitive rates, and personalized service to make your homeownership journey seamless.
First-Time Homebuyer / DPA Loans
Craig Woolston is passionate about helping first-time homebuyers achieve their dreams of homeownership. With low down payment options and down payment assistance (DPA) programs, Craig simplifies the process, guiding you from application to closing. Whether you’re ready to buy now or need help preparing your finances, Craig provides personalized solutions to make your first home a reality.
Conventional Loans
Craig Woolston offers conventional loan programs with competitive rates, flexible terms, and low down payment options starting at 3%. Ideal for primary residences, second homes, and investment properties, these loans provide stability and savings. Craig will help you navigate the process and customize financing that fits your budget and long-term goals.
FHA HOME LOAN
FHA loans are designed for buyers who need low down payments and flexible credit requirements. With down payments as low as 3.5%, these loans make homeownership accessible for first-time buyers and those with limited credit histories. Craig Woolston provides expert guidance through the FHA loan process, ensuring affordable financing backed by government protection.
VA Home LOANS
Craig Woolston is proud to serve veterans, active-duty military, and eligible spouses by offering VA home loans with zero down payment, no PMI, and low-interest rates. Whether you’re buying a new home or refinancing, Craig ensures you maximize the VA benefits you’ve earned through your service.
JUMBO LOAN PROGRAMS
For buyers seeking financing for luxury homes or high-value properties, Craig Woolston offers jumbo loans with competitive rates and custom terms. These loans are designed for amounts that exceed conventional loan limits, providing flexible financing options for larger purchases and unique needs.
PERSONALIZED MORTGAGE SOLUTIONS I SELF EMPLOYED
Self-employed borrowers face unique challenges, and Craig Woolston specializes in personalized mortgage solutions that make qualifying easier. With alternative income verification options like bank statements, Craig helps business owners and freelancers secure financing without the stress of traditional documentation requirements.
NON-QUALIFIED MORTGAGE (NQM) LOANS
For borrowers who don’t fit into traditional loan programs, Craig Woolston offers Non-QM loans tailored for real estate investors, business owners, and those with non-traditional income streams. These loans provide flexible guidelines and custom financing options to help you achieve your goals.
BANK STATEMENT LOANS
Craig Woolston offers bank statement loans for self-employed borrowers and business owners who may not have traditional income documentation. By verifying income through bank deposits, Craig simplifies the approval process and ensures you can access the financing you need to purchase or refinance.
INVESTMENT PROPERTY FINANCING
Whether you’re looking to buy your first rental property or expand your investment portfolio, Craig Woolston provides investment property loans with competitive rates and flexible terms. With solutions like DSCR loans and multi-unit property financing, Craig helps investors secure the funding needed to build long-term wealth.
ITIN Loans
Craig Woolston helps non-U.S. citizens achieve homeownership with ITIN loans. Using an Individual Taxpayer Identification Number instead of a Social Security Number, Craig provides flexible options to help buyers qualify and build financial security in the U.S.
Refinance Options
Craig Woolston makes refinancing simple and stress-free. Whether you’re looking to lower your payments, secure a better rate, or tap into home equity, Craig offers custom refinance solutions to meet your goals. From rate-and-term refinancing to cash-out options, Craig helps you make the most of your home’s value.
HELOC | Home Equity Line of Credit
Craig Woolston offers HELOC solutions to help you unlock your home equity for renovations, debt consolidation, or unexpected expenses. With low rates and flexible repayment options, Craig ensures you can use your equity to meet your financial needs while keeping payments affordable.
Renovation and Construction Loans
Whether you’re upgrading a fixer-upper or building a new home, Craig Woolston offers renovation and construction loans to fund both the purchase and improvements in a single loan. From repairs and remodels to new builds, Craig’s financing options make it easy to turn your vision into reality.
USDA Loans
For buyers in rural and suburban areas, Craig Woolston provides USDA loans with zero down payment and affordable interest rates. These government-backed loans are ideal for buyers seeking affordable homeownership in eligible areas. Craig will guide you through eligibility requirements and help you secure funding.
Adjustable-Rate Mortgages
Craig Woolston offers adjustable-rate mortgages (ARMs) for buyers looking for lower initial payments or planning to refinance later. ARMs start with a low fixed rate for a set period and then adjust based on market conditions. Craig helps you explore options to determine if an ARM fits your financial plans.
Craig Woolston – Mortgage Loan Officer
With years of experience in the mortgage industry, Craig Woolston is a trusted Mortgage Loan Officer dedicated to helping clients achieve their homeownership dreams. Craig's expertise lies in delivering personalized mortgage solutions tailored to meet the unique financial needs of every borrower. From first-time homebuyers to seasoned investors, he ensures a smooth and stress-free mortgage process from start to finish.
As a part of Wise Home Lending, Craig specializes in a wide range of loan products, including Conventional Loans, FHA Loans, VA Loans, Jumbo Loans, and Non-QM Loans. His in-depth knowledge of the lending landscape allows him to guide clients through even the most complex financing situations with clarity and confidence.
Craig is known for his commitment to exceptional communication and customer service. He takes the time to understand his clients’ goals and works diligently to provide competitive rates, flexible terms, and a mortgage experience that exceeds expectations.
Outside of his professional role, Craig is passionate about his community and enjoys helping families and individuals build financial stability through homeownership. Whether you're purchasing your first home, refinancing, or investing, Craig is here to provide expert guidance and unwavering support.
Let Craig Woolston help you navigate the path to homeownership with confidence and ease. Reach out today to start your journey!
Wealth • Integrity • Service • Education Empowering | Homeownership with Expertise and Care
Frequently Asked Questions – Craig Woolston, Mortgage Loan Officer
What loan products does Craig Woolston offer?
Craig offers a comprehensive range of loan products to meet diverse financial needs, including Conventional Loans, FHA Loans, VA Loans, USDA Loans, Jumbo Loans, Renovation and Construction Loans, Adjustable-Rate Mortgages (ARMs), Bank Statement Loans, ITIN Loans, Non-QM Loans, and Refinance Options.
- Conventional Mortgages – Flexible terms and competitive rates.
- FHA Loans – Low down payment options for first-time buyers.
- VA Loans – Exclusive benefits for veterans and active-duty service members.
- USDA Loans – Zero down payment options for rural properties.
- Jumbo Loans – Financing for high-value properties.
- Renovation Loans – Finance home improvements or repairs.
- Non-QM Loans – Flexible options for unique financial situations.
- Bank Statement Loans – Ideal for self-employed borrowers.
- DSCR Loans – Financing for real estate investors.
- Down Payment Assistance Programs – Support for eligible buyers.
- ITIN Loans – Mortgage solutions for non-U.S. citizens without a Social Security Number.
- Refinance Options – Lower payments, access equity, or consolidate debt.
- Adjustable-Rate Mortgages (ARMs) – Flexible rates to match your financial goals.
No matter your situation, I’ll help you explore the best financing options available and guide you to the right loan.
Why I Do What I Do
I specialize in helping clients navigate the mortgage process with confidence and clarity. My role is to provide personalized home loan solutions, whether you're:
- Buying your first home
- Upgrading to your dream home
- Refinancing to save money
- Investing in property
- Renovating or building a new home
I offer a wide range of home loan products to fit your unique financial situation, from FHA and VA loans to Jumbo and Non-QM options. My focus is on education, so you understand every step of the process, and service, to ensure you feel supported from application to closing.
I believe that a home loan isn’t just about financing a property—it’s about building wealth, creating stability, and investing in your future. Whether you’re planning ahead or ready to buy now, I’m here to make the process simple, stress-free, and rewarding.
Let’s make your homeownership goals a reality!
The Benefits of Working with Me
Choosing the right mortgage professional can make all the difference, and here’s what you can expect when working with me:
- Expert Guidance: Years of experience and in-depth industry knowledge to help you make informed decisions.
- Personalized Solutions: I take the time to understand your goals and customize loan options to fit your financial situation.
- Seamless Process: From application to closing, I ensure every step is clear and stress-free.
- Competitive Rates: Access to nationwide programs with some of the most competitive rates in the market.
- Trust and Integrity: A client-first approach focused on transparency, honesty, and building long-term relationships.
My goal is to not only get you into a home but also set you up for financial success for years to come.
Does Craig work with first-time homebuyers?
Yes, Craig specializes in guiding first-time homebuyers through the mortgage process. He offers tailored solutions, such as Down Payment Assistance Programs (DPA) and FHA Loans, to make homeownership accessible and affordable for new buyers.
Can Craig help self-employed borrowers?
Absolutely. Craig has extensive experience helping self-employed individuals secure financing through programs like Bank Statement Loans and Non-QM Loans. These options are designed to accommodate clients with non-traditional income sources.
Does Craig provide loan options for luxury or high-value properties?
Yes, Craig offers Jumbo Loans for clients looking to finance high-value properties that exceed the limits of conventional loans. He works to secure competitive terms and rates for luxury home purchases.
What is an ITIN Loan, and can Craig assist with it?
ITIN Loans are designed for non-U.S. citizens who file taxes using an Individual Taxpayer Identification Number (ITIN). Craig helps eligible clients navigate the process to achieve homeownership, even without a Social Security Number.
Does Craig offer refinancing solutions?
Yes, Craig provides a variety of refinancing options to help homeowners lower their interest rates, reduce monthly payments, access equity, or adjust loan terms. Whether you’re looking to save money or improve financial flexibility, Craig can guide you through the refinancing process.
What makes Craig Woolston unique as a Mortgage Loan Officer?
With years of experience and a client-focused approach, Craig is committed to simplifying the mortgage process and providing personalized solutions. His dedication to clear communication ensures clients feel informed and confident every step of the way.
Can Craig assist with home renovation or new construction projects?
Yes, Craig offers Renovation and Construction Loans for clients looking to build a custom home or enhance their current property. These loans are tailored to meet the specific financial needs of construction and renovation projects.
Does Craig provide VA Loans for veterans and active-duty military?
Yes, Craig proudly offers VA Loans, which provide exclusive benefits for eligible veterans, active-duty service members, and their families. These loans require no down payment and feature competitive interest rates.
What areas does Craig serve?
Craig is part of the Wise Home Lending team, which provides mortgage solutions across multiple states. While based in Utah, Craig works with clients nationwide to help them achieve their homeownership goals.
What credit score is required to work with Craig?
Craig works with clients across a variety of credit situations. While many loan programs require a credit score of 620 or higher, he also offers flexible solutions like FHA Loans and Non-QM Loans for those with less-than-perfect credit.
How do I get started with Craig?
Getting started is simple. Schedule a consultation, apply online, or contact Craig directly by phone or email. He will guide you through the pre-approval process and help you secure the financing that aligns with your goals.
Why choose Craig Woolston as your Mortgage Loan Officer?
Craig’s extensive knowledge, personalized service, and commitment to client success make him a trusted partner in home financing. He’s dedicated to providing tailored solutions and a seamless mortgage experience for every client.
Let’s Connect
Ready to take the next step? Whether you’re buying your first home, refinancing, or investing, I’m here to help you reach your goals.
Phone: (801) 455-4167
Email: [email protected]
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Let’s turn your homeownership dreams into reality—contact me today!