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!
From first-time homebuyers to seasoned investors, we offer a wide range of Home Loan and Mortgage solutions designed to meet your unique needs. Discover competitive rates, flexible terms, and expert support to help you achieve your homeownership goals.
Conventional home loans are ideal for borrowers with strong credit and stable income. These loans offer competitive interest rates, flexible terms, and a smooth approval process without government backing. Whether you’re buying a primary residence, second home, or investment property, conventional loans provide straightforward, reliable financing. With a wide variety of loan structures available, they make homeownership accessible and cost-effective while giving you the freedom to choose a plan that fits your long-term financial goals.
FHA loans are backed by the Federal Housing Administration, offering a more flexible path to homeownership—especially for first-time buyers or those with lower credit scores. These loans feature low down payment options, lenient credit requirements, and competitive rates, making them a popular choice for many Americans. FHA loans help reduce upfront costs and simplify qualification, so you can secure your new home with greater confidence and long-term financial peace of mind, even without perfect credit.
VA loans are a powerful benefit available to veterans, active-duty service members, and eligible spouses. These government-backed mortgages offer no down payment, no private mortgage insurance (PMI), and competitive rates—making it easier to purchase a home with minimal upfront cost. With flexible credit guidelines and protections designed for those who’ve served, VA loans provide an affordable path to homeownership and long-term financial stability for the military community and their families.
Jumbo loans are designed for borrowers purchasing luxury properties or homes that exceed the limits set by conventional loan programs. These loans offer high borrowing limits, competitive interest rates, and flexible underwriting to accommodate larger financial needs. Ideal for high-income earners or buyers in expensive markets, jumbo loans allow you to finance high-value real estate without compromising on terms or service. Whether for a primary residence or a second home, they deliver the flexibility you need.
If you’re self-employed or run your own business, our mortgage solutions are designed with your unique income situation in mind. These programs offer customized underwriting, using documents like tax returns or profit-and-loss statements to verify income. With competitive rates, flexible loan terms, and a simplified application process, we help entrepreneurs, freelancers, and independent professionals achieve homeownership—without the hassle of traditional employment verification. Enjoy financing that works for your business and your lifestyle.
Non-Qualified Mortgage (NQM) Loans offer financing solutions for borrowers who don’t meet standard loan guidelines. Whether you have non-traditional income, are recovering from past credit challenges, or need a unique loan structure, NQM loans provide the flexibility you need. These loans consider bank statements, asset-based income, or other alternatives to qualify. With competitive terms and tailored options, NQM loans help more people achieve homeownership without being held back by rigid requirements.
Bank statement loans are a smart solution for self-employed individuals who may not show traditional income on tax returns. Instead of W-2s, lenders use 12 to 24 months of bank statements to verify income. These loans offer competitive rates, flexible terms, and a streamlined approval process. Whether you’re a business owner, freelancer, or contractor, bank statement loans provide a practical path to homeownership, letting your real income and cash flow do the talking.
Investment property loans are designed for those looking to build wealth through real estate. Whether you’re buying a rental property, vacation home, or multi-unit residence, these loans offer competitive rates, flexible terms, and income-based qualification that considers rental potential. Our tailored approach helps investors make smart, sustainable decisions. With expert guidance and customizable options, you can expand your property portfolio and generate long-term returns with confidence.
ITIN loans help borrowers without a Social Security number qualify for a mortgage using an Individual Taxpayer Identification Number. Designed for non-U.S. citizens, these loans offer flexible credit guidelines, competitive rates, and alternative documentation options. Whether you’re purchasing your first home or investing in real estate, ITIN loans make homeownership accessible to a wider community—helping more families build credit, create stability, and achieve their goals in today’s housing market.
Refinancing can help you lower your interest rate, reduce monthly payments, or tap into your home’s equity. Whether you’re consolidating debt, funding renovations, or simply improving your mortgage terms, our refinance solutions are designed to align with your financial goals. With a streamlined process, competitive rates, and flexible loan options, refinancing can give you greater control over your budget and long-term financial health—while making the most of your existing investment.
A cash-out refinance replaces your current mortgage with a new, larger one—allowing you to access the equity you’ve built in your home. Use the extra cash for home improvements, debt consolidation, or personal financial goals. With competitive rates, flexible repayment terms, and a straightforward process, it’s a smart way to make your equity work for you while keeping your long-term financial strategy on track.
Whether you’re building from the ground up or planning major upgrades, our renovation and construction loans offer funding for both project costs and long-term financing. These loans feature flexible draw schedules, competitive rates, and expert support throughout the process. Ideal for homeowners or buyers looking to customize their space, these loans help turn your property into the perfect home—while building equity and value as you go.
USDA home loans provide zero down payment options and affordable financing for qualified buyers in rural and suburban areas. Backed by the U.S. Department of Agriculture, they offer low interest rates, flexible credit requirements, and reduced closing costs. Perfect for low to moderate-income families, USDA loans make homeownership possible where affordability and community matter most—helping you plant roots with confidence and stability.
For new buyers, First-Time Homebuyer programs and Down Payment Assistance (DPA) loans offer a chance to enter the housing market with lower upfront costs. These options often include reduced down payments, flexible credit standards, and access to state or local grants. Whether you’re purchasing a starter home or upgrading from renting, these programs help you take the first step toward long-term financial independence through homeownership.
Reverse mortgages are designed for homeowners aged 62 and older, allowing you to eliminate monthly mortgage payments and access your home’s equity. Use the funds for retirement expenses, home improvements, or to purchase a new home. You can also refinance an existing reverse mortgage to improve your terms. With flexible options and no monthly payments required, a reverse mortgage helps you stay in the home you love while supporting your financial freedom in retirement.
Hi, I’m Terri Stoddard, Mortgage Broker with Wise Home Lending, proudly serving clients across Utah. With over two decades of experience in the mortgage industry, I’m dedicated to guiding you through the home loan process with integrity, care, and solutions tailored to your goals.
Whether you’re a first-time homebuyer, planning a refinance, or investing in property, I’m here to ensure the experience is smooth, stress free, and built around your unique needs. My focus is on creating lasting relationships and helping you feel confident at every step of the journey.
Let’s work together to turn your homeownership plans into reality.
Licensed in: Utah
From first-time homebuyers to seasoned investors, we offer a wide range of Home Loan and Mortgage solutions designed to meet your unique needs. Discover competitive rates, flexible terms, and expert support to help you achieve your homeownership goals.
From first-time homebuyers to seasoned investors, we offer a wide range of Home Loan and Mortgage solutions designed to meet your unique needs. Discover competitive rates, flexible terms, and expert support to help you achieve your homeownership goals.
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.
From first-time homebuyers to seasoned investors, we offer a wide range of Home Loan and Mortgage solutions designed to meet your unique needs. Discover competitive rates, flexible terms, and expert support to help you achieve your homeownership goals.
A Conventional Loan is ideal for borrowers with strong credit and offers flexible terms with competitive rates. In contrast, an FHA Loan is backed by the government and designed for those with lower credit scores or smaller down payments, making homeownership more accessible.
VA Loans are available to active-duty service members, veterans, and eligible surviving spouses. To qualify, you’ll need a Certificate of Eligibility (COE) from the VA, meet credit and income requirements, and plan to use the home as your primary residence.
A Jumbo Loan is a mortgage that exceeds the conforming loan limits set by Fannie Mae and Freddie Mac. If you’re purchasing a high-value home that requires financing beyond conventional limits, a Jumbo Loan provides the funding you need with flexible terms.
Yes! Bank Statement Loans and Non-QM Loans are great options for self-employed borrowers. Instead of W-2s, these loans use bank statements or alternative income verification to qualify, making homeownership accessible for entrepreneurs and freelancers.
An ITIN Loan is designed for borrowers without a Social Security number but who have an Individual Taxpayer Identification Number (ITIN). These loans provide financing options for non-U.S. citizens looking to buy a home, using alternative forms of credit and income verification.
A HELOC (Home Equity Line of Credit) is a revolving credit line that lets you borrow against your home’s equity as needed. A Cash-Out Refinance replaces your existing mortgage with a new loan for a higher amount, giving you a lump sum of cash upfront.
Investment Property Loans are designed for purchasing rental properties or second homes. Lenders often require a higher down payment and stronger credit score, but these loans allow you to generate income and build wealth through real estate.
A USDA Loan offers zero down payment, low interest rates, and reduced mortgage insurance for homebuyers in eligible rural areas. It’s a great option for those looking for affordable homeownership with government-backed security.
An ARM starts with a fixed interest rate for an initial period (e.g., 5 or 7 years), then adjusts periodically based on market rates. It’s ideal for buyers who plan to move or refinance before the rate adjusts.
A Reverse Mortgage allows homeowners aged 62+ to convert home equity into cash, with no monthly mortgage payments required. The loan is repaid when the homeowner sells the home, moves out, or passes away, making it a valuable retirement tool.
Yes! While credit scores impact refinancing options, FHA Streamline Refinance or Non-QM Loans may allow you to refinance with lower requirements. Improving your credit before refinancing can also help secure better rates.
The first step is to get pre-approved! This involves a quick review of your credit, income, and financial situation. Pre-approval gives you a clear picture of what you can afford and makes home shopping easier. Ready to get started? Let’s talk!
Wise Home Lending, powered by Arbor Financial Group, also offers personalized mortgage solutions, fast customized quotes, great rates, and service with integrity.
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