Your Homeownership Journey Starts Here
The WISE Home Lending Team
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.
Mortgages Made Simple with Wise Home Lending.
Meet Our Team
Our team is made up of experienced and approachable mortgage professionals, each bringing a unique set of skills and expertise to the table
Mandi Henriod
Branch Manager | Mortgage Broker
NMLS #287291 | DRE #5488774
With years of industry experience, Mandi leads the team with a focus on integrity, education, and personalized service to help clients achieve their financial goals.
[email protected]
Schedule a Consultation
Apply Now
(801) 638-1005
Jay Rodriguez
Mortgage Broker
NMLS #902610 DRE #02092450
Jay provides competitive rates and personalized service, specializing in helping clients with first-time homebuyer loans, renovation loans, and investment property financing.
[email protected]
Schedule a Consultation
Apply Now
(949) 606-2410
Craig Woolston
Mortgage Broker
NMLS #308813 | DRE #5488966
Craig provides custom mortgage solutions for buyers and investors, helping clients secure loans that fit their long-term plans.
[email protected]
Schedule a Consultation
Apply Now
(801) 455-4167
Michelle Holley
Mortgage Broker
NMLS#248411 DRE #5489021
Michelle brings 27 years of experience to the table, offering personalized mortgage solutions and exceptional service to help clients make smart financial decisions.
[email protected]
Schedule a Consultation
Apply Now
(801) 680-7941
Jessica Arroyo
Mortgage Broker
NMLS #2561537 | DRE #12580746
Jessica is dedicated to empowering the Latino community by simplifying the mortgage process and making homeownership accessible to all.
jessica@@arborg.com
Schedule a Consultation
Apply Now
(385) 439-4333
Scott Hastings
Mortgage Broker
NMLS #236669
Scott Hastings, proudly serving NC, SC, FL, GA, and VA. Based in Mooresville, North Carolina, he is committed to helping clients find the right home loan solutions with expert guidance and a personalized approach.
[email protected]
Schedule a Consultation
Apply Now
704-890-7168
What Our Clients Are Saying
Real Experiences, Real Results
See why Wise Home Lending is the go-to choice for home financing. Our Google reviews showcase real stories of exceptional service, personalized solutions, and successful journeys to homeownership.
Mandi was very professional and made us feel comfortable throughout the entire home loan process!
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Colby Willis
14 days ago
Rachel Mullis
22 days ago
Simply the best service and care…..Period.
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Michael Thomas
22 days ago
Mandi Henriod is the lender I recommend to everyone I know and care about. She has been doing loans for my clients for over a decade and not once has there been a problem or a delay - which is a miracle! She has the best rates, the best people skills, the best follow up systems, honestly Mandi is the best! If you are getting a mortgage loan in Utah - make Mandi Henriod your first call!
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Lee Stern
26 days ago
Mandi is the best gift that ever could have come out of our home buying and refinance experience. She is pure sunshine, explains things for us who are not well versed in the financial world, and makes miracles happen! Beyond her professional prowess, she is just an excellent human. You won’t be sorry, Mandi is your gal.
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Allison Ottley
27 days ago
Fantastic home purchasing/home loan experience!!! Mandi and her team were amazing. They made the entire process so smooth and easy. I have gotten several home loans in the past but this was BY FAR the most stress-free transaction I've had! Mandi was very responsive with communication and she worked hard to get us the best rate possible. I would highly recommend Mandi and her team for your next home loan.
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Tammy Kralick
28 days ago
Home Financing
Tailored Loans for Every Buyer
Competitive rates and flexible solutions, guiding you smoothly through the mortgage maze. Unlock your dream home simply.
First-Time Homebuyer / DPA Loans
Buying your first home? We make it easy with low down payment options and flexible terms. Our first-time homebuyer programs and down payment assistance loans are designed to help you get into your dream home without breaking the bank.
Conventional Loans
Conventional loans offer flexible terms, competitive rates, and low down payment options for buyers with solid credit. Whether you’re buying a new home or refinancing, this is a reliable choice for affordable home financing.
FHA Home Loan
FHA loans make homeownership more accessible with low down payment options and flexible credit requirements. Perfect for first-time buyers, FHA loans are backed by the Federal Housing Administration to help you qualify for affordable financing.
VA Home Loans
VA loans are exclusively for veterans, active-duty service members, and eligible spouses. With no down payment and no private mortgage insurance required, VA loans provide exceptional benefits to those who have served our country.
Jumbo Loan Programs
For buyers interested in high-value homes, jumbo loans provide financing that exceeds standard loan limits. These loans are ideal for luxury properties and include competitive rates with flexible terms.
Personalized Mortgage Solutions / Self employed
Self-employed borrowers often face unique challenges when securing a mortgage. We offer customized mortgage solutions with flexible income verification options to help you achieve your homeownership goals.
Non-Qualified Mortgage (NQM) Loans
Non-QM loans are designed for borrowers who don’t meet traditional loan criteria. Ideal for real estate investors, business owners, and those with unique income streams, these loans offer more flexibility to suit your financial situation.
Bank Statement Loans
Bank statement loans are perfect for self-employed borrowers or business owners who may not have traditional income documentation. Instead of tax returns, these loans use bank statements to verify income and secure financing.
Investment Property Financing
Whether you’re buying your first rental property or expanding your real estate portfolio, our investment property loans provide the financing you need. Competitive rates and flexible terms make it easier to grow your investments.
ITIN Loans
ITIN loans help non-U.S. citizens without a Social Security Number purchase a home using their Individual Taxpayer Identification Number. These loans provide flexible options for buyers looking to achieve homeownership.
Refinance Options
Lower your monthly payments, shorten your loan term, or access equity with our refinancing options. We’ll help you find the right solution to meet your financial goals, whether it’s a rate-and-term refinance or a cash-out refinance.
HELOC | Home Equity Line of Credit
A HELOC allows you to tap into your home’s equity with a flexible line of credit. Use the funds for renovations, debt consolidation, or unexpected expenses while benefiting from low-interest rates and repayment flexibility.
Renovation and Construction Loans
Finance your dream home with renovation and construction loans designed to cover the costs of building or remodeling a property. Perfect for upgrading your current home or turning a fixer-upper into your ideal space.
USDA Loans
USDA loans offer zero down payment options for buyers purchasing a home in eligible rural or suburban areas. With affordable rates and flexible requirements, these loans make homeownership possible in underserved areas.
Adjustable-Rate Mortgages
Adjustable-rate mortgages start with lower initial interest rates, which adjust over time based on market conditions. Ideal for short-term homeowners or those planning to refinance later, ARMs offer flexibility to fit your financial goals.
Understand Mortgages: FAQs Section
Who is Wise Home Lending?
Wise Home Lending is a team of experienced mortgage professionals dedicated to helping clients navigate the home loan process. With expertise in home purchases, refinancing, and investment property financing, we offer personalized solutions and exceptional service to meet your needs.
What services does the Wise Home Lending team offer?
We specialize in a wide range of mortgage products, including Conventional Loans, FHA Loans, VA Loans, Jumbo Loans, USDA Loans, Bank Statement Loans, ITIN Loans, and more. Whether you’re a first-time homebuyer, self-employed borrower, or real estate investor, we provide tailored financing solutions.
What makes Wise Home Lending different?
Our team combines personalized service, transparent communication, and competitive rates to make the loan process simple and stress-free. We focus on education, ensuring clients feel confident and informed every step of the way. With access to a variety of loan programs, we help buyers find solutions that fit their unique financial situations.
Can Wise Home Lending help if I have bad credit?
Yes! We offer flexible loan programs such as FHA loans, Non-QM loans, and ITIN loans, designed for borrowers with low credit scores or non-traditional income sources. Our team also provides advice to help improve your credit and increase your chances of approval.
Does Wise Home Lending work with first-time homebuyers?
Absolutely! We specialize in helping first-time buyers with low down payment options and down payment assistance programs to make homeownership more affordable. Our team walks you through the process step-by-step, ensuring you feel confident from start to finish.
Can Wise Home Lending help with investment properties?
Yes, we offer investment property loans to help you expand your real estate portfolio. With options like DSCR loans and bank statement loans, we make financing rental properties and multi-unit investments straightforward and accessible.
Do you work with self-employed borrowers?
We understand the challenges that self-employed borrowers face and offer specialized programs like bank statement loans and Non-QM loans to help business owners and freelancers qualify without traditional income verification.
Is Wise Home Lending licensed to work nationwide?
Yes, while our team is based in Utah, we are licensed to provide mortgage solutions in multiple states across the country, ensuring we can assist clients nationwide.
How do I start the mortgage process?
Getting started is easy! You can schedule a consultation, apply online, or contact us directly by phone or email. Our team is ready to answer your questions and help you take the first step toward achieving your homeownership goals.
How long does the loan approval process take?
Pre-approvals are often completed within 24-48 hours, and most loans close within 21-30 days. We’ll work quickly to keep you informed and on track throughout the process.
What documents do I need to apply for a mortgage?
While requirements vary, common documents include:
- Proof of income (pay stubs, W-2s, or tax returns)
- Employment verification
- Bank statements
- Credit history
- Identification (driver’s license or passport)
We’ll provide a checklist specific to your loan type and situation.
Can I refinance my existing mortgage with Wise Home Lending?
Yes, we offer a range of refinancing options to help lower your monthly payments, reduce interest rates, or cash out equity. We’ll help you evaluate your options and find the best refinancing solution for your goals.
How can I contact the Wise Home Lending team?
You can call, text, or email any member of our team directly, or visit our Meet the Team page to learn more and get in touch with your preferred loan officer. We’re here to make the process smooth and stress-free!