Every mortgage loan program we originate
Wise Capital Mortgage is a licensed Texas broker shopping conventional, government-backed and specialty financing across our lender panel. Pick a program below for full eligibility details.
Conventional Mortgage
As little as 3% down, no government backing required. Best for strong credit and stable income.
FHA Loans
3.5% down with flexible credit and income guidelines. Great for first-time buyers.
VA Loans
100% financing, no PMI, for veterans, active duty and eligible spouses.
USDA Loans
100% financing for eligible rural and suburban Texas properties.
Bank Statement Loans
Qualify on deposits instead of tax returns — built for the self-employed.
DSCR Loans
Qualify investment property purchases on rental cash flow, not personal income.
Fix & Flip / Hard Money
Fast, asset-based capital for renovation and short-term investment deals.
Private Capital
Private Equity
Capital that sits behind your senior debt to close the gap on larger projects — same asset-based underwriting as hard money.
Refinance & Cash-Out
Lower your rate, shorten your term, or tap your home's equity.
Grants & Down Payment Assistance
TSAHC, TDHCA and City of Austin grants covering 3%-5% of your loan amount. See if you qualify.