Fixed Rate Mortgages
With the historically low interest rates locking a fixed rate mortgage can help with security as you don’t need to worry about the rate adjusting or increasing. Fixed rate mortgages are the most common type of home mortgage loan.
10 YEAR FIXED
Get amazing low rates on 10 year mortgage loans
15 YEAR FIXED
Historically 15 year mortgage have better rates than 30 year loans.
30 YEAR FIXED
Your standard mortgage loan spread out over 30 years.
Adjustable Rate Mortgages
Adjustable Rate Mortgages
When wanting to minimize interest rates or for shorter investments, adjustable rate mortgage can sometimes be the best loan to meet your individual scenario. Ensure to do your research on an adjustable rate mortgages and know how they work before getting one.
3 Year Adjustable Mortgage
A 3/1 adjustable rate mortgage is a mortgage product that is fixed for the first 3 years then it can adjusts every year after that.
5 Year Adjustable Mortgage
A 5/1 adjustable rate mortgage is a mortgage product that is fixed for the first 5 years then it can adjusts every year after that.
7 Year Adjustable Mortgage
A 7/1 adjustable rate mortgage is a mortgage product that is fixed for the first 7 years then it can adjusts every year after that.
Non QM, Hard Money, Asset Based Loans
Sometime people don't fit into the regular conformities of an FHA, Conventional, VA or USDA financing, and may need alternative loans to help acquire properties.
We specialize in the following Non-QM & Creative loan types.
Hard Money
Fix N Flip
Asset Depletion Loans
Interest Only
Investment Property Loans
Rehab Mortgage Loans
Bank Statement Programs
No Income Verification Loans
Grant Products & Down Payment Assistance
Wise Capital Mortgage is able to offer the Cheona Loan for our clients, This loan offers 100% financing for the purchase of a home. It is a second mortgage that will help someone with coming up with their down payment. Now this loan isn't for everyone, but it is a great program if you have decent credit and income, but lack the means to afford your down payment. We also work with many state and local entities to offer different grant and down payment assistance programs. Ask your loan officer today if you qualify for down payment assistance.
Types Of Loans We Orginate
Conventional
Conventional loans are the most common type of mortgage and are ideal for borrowers with solid credit, stable income, and a strong financial profile. These loans are not backed by the government, giving lenders more flexibility in terms and qualification guidelines. Buyers can secure a home with as little as 3% down, and those who put 20% down can avoid private mortgage insurance (PMI) entirely. Conventional loans offer competitive interest rates and are available for primary homes, second homes, and investment properties. With flexible terms and strong long-term affordability, conventional financing remains a top choice for many homebuyers.
FHA
FHA loans are government-backed mortgages designed to help first-time buyers and borrowers with lower credit scores qualify for a home. They offer a low down payment requirement of just 3.5% and allow more flexible credit and income guidelines. FHA loans also permit higher debt-to-income ratios, making it easier for buyers to qualify even with limited monthly budget space. With competitive interest rates and reliable underwriting, FHA financing creates an accessible path to homeownership. Borrowers can also take advantage of FHA Streamline refinancing options for fast, simplified rate reductions in the future.
VA
VA loans are exclusively available to active-duty service members, veterans, and eligible surviving spouses, offering some of the best benefits in the mortgage industry. These loans allow for 100% financing with no down payment required and no monthly mortgage insurance (PMI). VA loans typically come with lower interest rates and flexible credit requirements, making homeownership more affordable for military families. They also limit closing costs and include strong borrower protections. With powerful purchase and refinance options, VA loans help eligible borrowers secure long-term financial stability and homeownership.
USDA
USDA loans are government-backed mortgages that provide 100% financing for homes located in eligible rural and suburban areas. These loans include low interest rates and minimal mortgage insurance costs, making monthly payments highly affordable. Income limits apply based on household size and location, ensuring the program benefits those who need it most. USDA guidelines allow for flexible credit requirements, helping more buyers qualify for homeownership. For anyone looking for an affordable home outside city limits, USDA loans offer unbeatable value and accessibility.
Non-QM
Non-QM (Non-Qualified Mortgage) loans are designed for borrowers who have strong financial ability but do not fit traditional lending guidelines. These programs are ideal for self-employed buyers, real estate investors, business owners, and those with non-traditional income documentation. Many Non-QM options qualify borrowers using bank statements, assets, or rental income instead of tax returns. They offer flexible terms, higher loan limits, and creative underwriting solutions. Non-QM loans provide a powerful path to homeownership and investment for buyers who need customized mortgage options.
Hard Money
Hard money loans provide fast, asset-based financing for real estate investors who need quick closings or are purchasing distressed or non-traditional properties. These loans focus primarily on the value of the property and the strength of the deal rather than income or credit. Hard money lenders often fund both the purchase and renovation costs, making them ideal for fix-and-flip and BRRRR strategies. Terms are typically short-term, ranging from 6 to 24 months. For investors looking to move quickly and leverage opportunities that traditional lenders won’t finance, hard money loans offer unmatched speed and flexibility.
The first 100 customers will receive a FREE APPRAISAL "You Will Be Reimbursed On Funding Day Of Your First Loan With Us" Wise Capital Mortgage will reimburse you for the cost of your appraisal.
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