Finding the perfect mortgage shouldn’t be complicated. At Wise Home Lending, we offer competitive rates and expert guidance whether you’re buying, refinancing, or investing, so you can achieve your goals without the hassle. Let us make your home financing journey smooth simple and stress free!
Whether you are buying your first home, refinancing, or investing, I will help you compare the right loan programs for your income, budget, and timeline. Expect competitive rates, flexible terms, and clear guidance from application to closing.
Hi, I’m Rachelle Lundy, Loan Officer with Wise Home Lending, proudly serving clients throughout Utah. I’m dedicated to helping individuals and families achieve their homeownership goals by making the mortgage process as smooth and stress free as possible.
With a personalized approach and a focus on clear communication, I work closely with every client to find the right loan solution—whether you’re buying your first home, refinancing, or planning your next move.
Let’s work together to find a loan that fits your life and gets you one step closer to home.
Licensed in: Utah
When you choose Wise Home Lending, you gain a partner with deep local expertise and advanced technology that streamlines your mortgage journey and keeps you informed at every milestone. Our team delivers tailored mortgage solutions, competitive rates, and fast approvals, all backed by transparent communication and a genuine commitment to your success, so you can focus on finding and financing your dream home with confidence.
Get straightforward answers to common home loan and refinance questions, including credit requirements, down payments, timelines, and what to expect during the approval process.
We specialize in a wide range of mortgage solutions, including conventional loans, FHA, VA, jumbo loans, and more. Whether you are a first-time homebuyer, self-employed, or looking to refinance, we have tailored options to fit your needs.
Getting started is easy. You can reach out to us for a quick strategy session where we’ll discuss your goals and gather some initial details. From there, we guide you through pre-approval, document collection, and the entire loan process step by step.
Borrowers with stable W2 income, a 620+ credit score, manageable debt, and documented assets are typically strong candidates for conventional financing with competitive rates and flexible terms.
Many qualified buyers purchase with 3% to 5% down on conventional loans or 3.5% down on FHA loans, depending on credit profile and overall financial strength.
FHA loans are often a good fit for first time buyers or borrowers with moderate credit who want lower down payment options and more flexible qualification guidelines.
Lenders typically average the last two years of net income shown on tax returns. Consistent earnings, organized financials, and stable business history strengthen approval.
Yes. Self employed and 1099 borrowers can qualify with proper documentation, steady income history, and strong credit. Clean records help ensure smoother underwriting.
Strong investor files usually include solid credit, adequate reserves, rental income support, and appropriate down payment, typically 15% to 25% depending on loan structure.
Refinancing may make sense when you can lower your interest rate, reduce your monthly payment, shorten your loan term, or improve overall financial positioning.
The first step is a mortgage pre approval. This includes reviewing income, credit, and assets to determine eligibility and provide a clear purchase or refinance strategy.
