Wealth • Integrity • Service • Education
Mandi Henriod | Branch Manager & Mortgage Broker
With over 28 years of mortgage experience, Mandi offers personalized solutions, competitive rates, and expert guidance. From first-time buyers to seasoned homeowners, she’s here to make your home loan journey seamless and stress-free. NMLS # 287291 | DRE# 5488774
Mortgages Made Simple
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See What Our Clients Say
Client Testimonials You Can Trust
Discover why clients choose Mandi and Wise Home Lending Team for their mortgage needs.
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!
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Joe Hatch
9 days 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.
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Emily Brace
2 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!
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Michael Sammann
3 months ago
Mandi and her team have been very helpful and supportive during our loan process and I would definitely recommend them if you need a loan.
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Richard Shaw
3 months ago
Mandi got our loan closed in time and well before the deadline. Both Mandi and her entire team were professional, personable and extremely friendly. They made it beyond easy and were on top of every step and process. We completed the application online making it convenient. Our rate was the best there was with the current market. I would use both Mandi and her team again as well as recommend to family and friends.
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Sierra Malmstrom
4 months ago
Amy was incredibly helpful through the whole process. She helped us get the best rate possible and communicated every option and question we had very thoroughly. Will definitely be using her again for future needs!
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DJ Eckman
5 months ago
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
Mandi Henriod is committed to helping first-time homebuyers achieve their dream of owning a home with confidence. With low down payment options and down payment assistance (DPA) programs, Mandi simplifies the homebuying process and provides expert guidance at every step. Whether you're ready to buy now or need help preparing for the future, Mandi will find the right financing solution to help you succeed.
Conventional Loans
Mandi Henriod offers conventional loan options with competitive interest rates, flexible terms, and low down payments starting at 3%. Whether you’re buying a primary residence, a second home, or an investment property, Mandi helps you find affordable solutions, avoid PMI with larger down payments, and create a loan plan that aligns with your financial goals.
FHA HOME LOAN
FHA loans provide affordable financing options for buyers who need low down payments and flexible credit requirements. With down payments as low as 3.5%, these loans are perfect for first-time buyers or those with limited credit history. Mandi works closely with clients to simplify the process and match them with government-backed FHA loans that make homeownership more accessible.
VA Home LOANS
As a proud supporter of veterans, active-duty service members, and military families, Mandi Henriod provides VA loans with zero down payment, no PMI, and competitive rates. Whether you’re purchasing a new home or refinancing, Mandi’s expertise ensures you maximize your VA benefits and secure affordable financing.
JUMBO LOAN PROGRAMS
Mandi Henriod specializes in jumbo loans for buyers purchasing high-value homes or luxury properties. These loans provide financing beyond conventional loan limits with competitive rates and customized terms. Whether upgrading your home or investing in a larger property, Mandi offers tailored solutions to meet your needs.
PERSONALIZED MORTGAGE SOLUTIONS I SELF EMPLOYED
Self-employed borrowers often face additional challenges, but Mandi Henriod offers personalized mortgage solutions designed for business owners and freelancers. With programs that use alternative income verification methods, including bank statements, Mandi helps self-employed clients secure financing without the stress of traditional documentation requirements.
NON-QUALIFIED MORTGAGE (NQM) LOANS
Mandi Henriod provides Non-QM loans for borrowers who may not meet traditional lending criteria. These loans are perfect for real estate investors, freelancers, and buyers with non-traditional income sources. With flexible guidelines and customized terms, Mandi offers financing options that fit your specific needs.
BANK STATEMENT LOANS
For self-employed borrowers who can’t provide traditional income documentation, Mandi Henriod offers bank statement loans. Instead of tax returns, these loans use bank deposits to verify income, making them ideal for business owners and entrepreneurs. Mandi simplifies the process to ensure you can access the financing you need.
INVESTMENT PROPERTY FINANCING
Whether you’re looking to buy a rental property or expand your real estate portfolio, Mandi Henriod offers investment property financing with competitive rates and flexible terms. With expertise in DSCR loans and other investment-focused programs, Mandi helps clients build wealth through real estate.
ITIN Loans
For non-U.S. citizens looking to purchase a home, Mandi Henriod provides ITIN loans that allow buyers to qualify using their Individual Taxpayer Identification Number instead of a Social Security Number. Mandi’s expertise ensures a smooth process, making homeownership accessible to more buyers.
Refinance Options
Mandi Henriod offers refinance solutions to help homeowners lower monthly payments, secure better interest rates, or cash out equity for renovations or other financial needs. Whether you want to consolidate debt or shorten your loan term, Mandi will guide you through the options and help you make the most of your home’s value.
HELOC | Home Equity Line of Credit
Mandi Henriod provides HELOC solutions to help homeowners access their home equity for renovations, debt consolidation, or unexpected expenses. With low interest rates and flexible repayment options, Mandi ensures you can leverage your equity while keeping payments affordable.
Renovation and Construction Loans
Whether you’re buying a fixer-upper or building your dream home, Mandi Henriod offers renovation and construction loans to finance both the purchase and improvements. These loans allow you to cover upgrades, repairs, and new construction projects in a single, streamlined mortgage.
USDA Loans
For buyers purchasing homes in rural or suburban areas, Mandi Henriod provides USDA loans with zero down payment and affordable financing options. Backed by the U.S. Department of Agriculture, these loans are perfect for buyers looking to maximize value while minimizing upfront costs.
Adjustable-Rate Mortgages
Mandi Henriod offers adjustable-rate mortgages (ARMs) for buyers looking for lower initial payments or planning to refinance later. ARMs start with low fixed rates that adjust over time, providing flexibility for buyers expecting financial growth or shorter homeownership timelines.
About Mandi
With over 28 years of experience in the mortgage industry, I have cultivated a deep understanding of every aspect of the loan process. My journey has encompassed roles in loan processing, underwriting, and closing, giving me a comprehensive perspective that allows me to guide my clients with expertise and confidence.
As the Branch Manager and Mortgage Originator for the WISE Lending Team at Arbor Financial, I specialize in providing personalized mortgage solutions tailored to each client’s unique needs. My focus on delivering competitive low rates combined with exceptional service ensures a seamless and stress-free experience from start to finish.
I am deeply committed to outstanding communication and professional support, which have earned me a strong reputation and the trust of my clients. Whether you’re a first-time homebuyer or a seasoned homeowner, I am here to help you navigate the path to achieving your financial and homeownership goals.
Wealth • Integrity • Service • Education Empowering | Homeownership with Expertise and Care
Frequently Asked Questions – Loan Products with Mandi Henriod, Branch Manager & Mortgage Originator
Who qualifies for a Conventional Loan?
Conventional Loans are ideal for borrowers with strong credit scores, stable income, and the ability to make a down payment. Mandi helps clients navigate the process to secure competitive rates and flexible terms for both first-time and repeat homebuyers.
What loan products does Mandi offer?
Mandi provides a wide range of mortgage options tailored to meet diverse financial needs, including Conventional Loans, FHA Loans, VA Loans, USDA Loans, Jumbo Loans, Bank Statement Loans, Non-QM Loans, Renovation and Construction Loans, ITIN Loans, Adjustable-Rate Mortgages (ARMs), and Refinancing options.
What is an FHA Loan, and how can it benefit me?
FHA Loans are government-backed mortgages offering low down payment options and more lenient credit requirements. They’re especially beneficial for first-time homebuyers or those with limited credit history. Mandi guides borrowers through the FHA process to make homeownership accessible and affordable.
Does Mandi offer VA Loans for veterans?
Yes, Mandi specializes in VA Loans for eligible veterans, active-duty service members, and their families. These loans require no down payment, offer competitive interest rates, and provide additional benefits exclusive to those who have served.
What is a USDA Loan, and who qualifies?
USDA Loans are designed for buyers in rural and suburban areas, offering 100% financing with no down payment. These loans are an excellent option for eligible borrowers seeking affordable homeownership solutions. Mandi can help you determine if your property qualifies.
Can Mandi assist with Jumbo Loans?
Yes, Mandi offers Jumbo Loans for clients purchasing high-value properties that exceed conventional loan limits. She provides personalized guidance to help borrowers secure competitive rates and terms for luxury or high-cost homes.
What are Non-QM Loans, and who should consider them?
Non-QM (Non-Qualified Mortgage) Loans are designed for borrowers with unique financial situations, such as self-employed individuals, real estate investors, or those with non-traditional income. Mandi specializes in these solutions, helping clients who may not qualify for conventional financing.
How do Bank Statement Loans work?
Bank Statement Loans allow self-employed borrowers to qualify for a mortgage by using bank statements to verify income instead of traditional documentation like W-2s. Mandi provides expert guidance on securing this type of financing tailored to your unique needs.
Does Mandi offer Renovation and Construction Loans?
Yes, Mandi provides Renovation and Construction Loans for clients looking to build a new home or renovate an existing property. These loans are perfect for upgrading your current space or investing in a fixer-upper.
What is an ITIN Loan, and who is it for?
ITIN Loans are designed for non-U.S. citizens who file taxes using an Individual Taxpayer Identification Number. These loans are a great option for individuals without a Social Security Number who want to achieve homeownership.
How does an Adjustable-Rate Mortgage (ARM) work?
ARMs offer a lower initial interest rate for a fixed period (usually 5, 7, or 10 years) before adjusting annually based on market conditions. Mandi can help determine if this flexible financing option is right for your financial goals.
Does Mandi offer refinancing options?
Yes, Mandi provides various refinancing solutions to help you lower your interest rate, adjust your loan term, or access home equity. Whether you’re looking to save money or achieve greater financial flexibility, she’ll guide you through the refinancing process.
How do I know which loan product is best for me?
Mandi takes the time to understand your financial situation and long-term goals. She offers personalized advice and recommends loan products that align with your needs, whether you’re a first-time buyer, investor, or looking to refinance.
Why should I choose Mandi Henriod for my home loan?
With over 28 years of experience in the mortgage industry, Mandi combines expert knowledge with a personalized approach to ensure her clients receive the best possible service. Her commitment to clear communication and tailored solutions has earned her a reputation as a trusted mortgage advisor.
Why I Do What I Do
As a Branch Manager and Mortgage Originator at Wise Home Lending, 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.
Loan Products Offered
At Wise Home Lending, I offer a variety of home loans and mortgage solutions tailored to meet your needs:
- 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.
How do I get started with Mandi?
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) 876-6992
Email: [email protected]
Schedule a Consultation
Apply Now
Let’s turn your homeownership dreams into reality—contact me today!
Let’s Make Your Homeownership Dream a Reality!
With years of experience and a dedication to delivering personalized mortgage solutions, Mandi is here to guide you through every step of the process. Whether you're buying your first home, refinancing, or investing, Mandi ensures a seamless journey tailored to your unique needs.
💼 Expert Guidance: Navigate the mortgage process with clarity and confidence.
🏡 Tailored Solutions: Find the right loan program to match your goals.
📞 Dedicated Support: Get the answers you need, when you need them.
Have questions about financing? Fill out the form below, and we’ll provide expert insights tailored to your needs!