Loan Programs at Wise Capital Mortgage
Whether you're a first-time homebuyer, experienced homeowner, or real estate investor, Wise Capital Mortgage offers a full suite of mortgage solutions tailored to your needs. Explore each loan program below or jump directly to the loan type that fits your goals.
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Bank Statement Loans
Bank Statement Loans are designed for self-employed borrowers, entrepreneurs, gig workers, and business owners who want to qualify using 12–24 months of bank statements instead of tax returns. These loans allow lenders to evaluate your real cash flow rather than write-offs or deductions on paper. Whether you’re buying a primary home, second home, or investment property, this program offers flexible terms, competitive rates, and simplified documentation. Learn more about this flexible income-qualification mortgage below.
Explore Bank Statement Loans
Cash Out Refinance
A Cash Out Refinance allows you to convert home equity into usable cash for debt consolidation, home improvements, real estate investments, or major expenses. This program replaces your current mortgage with a new one for a higher amount, and you receive the difference at closing. Many homeowners use cash out refis to reduce high-interest debt or boost their financial growth. Our team will help you compare options and find the smartest refinancing strategy for your situation.
Learn About Cash Out Refinancing
Conventional Mortgage Loans
Conventional Loans are ideal for borrowers with stable income, solid credit, and strong financial profiles. With down payment options as low as 3% and the ability to avoid PMI at 20% down, these loans offer excellent flexibility. They can be used for primary, secondary, or investment properties and often come with highly competitive rates. If you’re looking for long-term stability and low-cost financing, a conventional mortgage is a top choice.
View Conventional Loan Options
DSCR Investor Loans
DSCR Investor Loans (Debt Service Coverage Ratio loans) allow real estate investors to qualify based on rental income, not personal income. Investors can acquire long-term rentals or short-term rentals (Airbnb/STR) with streamlined underwriting—no tax returns, W-2s, or pay stubs required. This program is ideal for portfolio growth, cash-flow properties, and scaling quickly with multiple homes.
Explore Investor DSCR Loans
FHA Home Loans
FHA Loans offer low down payments (3.5%), flexible credit requirements, and accessible guidelines—perfect for first-time homebuyers or those rebuilding credit. FHA provides excellent affordability and smoother underwriting standards, making homeownership more reachable. FHA is available for primary residences and certain 2–4 unit homes when you occupy one unit.
Learn About FHA Loans
Fix & Flip Loans
Fix & Flip Loans provide fast, short-term funding for investors buying distressed properties and renovating them for resale. These loans are based on the property's ARV (After Repair Value) and can finance both acquisition and renovation. Perfect for flippers, BRRRR investors, and off-market deal hunters.
See Fix & Flip Loan Programs
Hard Money Loans
Hard Money Loans are asset-based and designed for real estate investors who need fast closings, flexible terms, or financing for non-traditional properties. These loans close in days—not weeks—making them perfect for auction deals, distressed assets, and competitive markets. Approval is based more on the deal than the borrower.
View Hard Money Options
Mortgage Rates
Mortgage Rates change daily and depend on credit scores, loan type, property type, and market conditions. Wise Capital Mortgage monitors rates constantly to help you lock in the best possible terms. Compare rate strategies, explore fixed vs. adjustable loans, and learn how to optimize long-term savings.
Check Today’s Mortgage Rates
New Construction Loans
New Construction Loans are ideal for buyers building a home from the ground up or purchasing new investment properties. These programs can fund land, construction, materials, and more. Interest-only payments during the build help keep costs manageable. Perfect for builders, investors, or families designing their dream home.
Explore New Construction Loans
Refinance Loans
Refinance Loans help homeowners lower payments, change loan terms, eliminate mortgage insurance, consolidate debt, or access equity. Whether you want a better rate, a shorter term, or a cash-out strategy, our refinance experts will compare scenarios and help you determine the strongest financial move.
Compare Refinance Options
USDA Loans
USDA Loans offer 100% financing for eligible rural and suburban areas, making homeownership possible with no money down. These loans come with low monthly payments, competitive rates, and income-based qualification. Perfect for families looking for affordability and more space outside urban centers.
Learn About USDA Loans
VA Home Loans
VA Loans offer unmatched benefits for veterans, active-duty service members, and eligible spouses, including 0% down, no monthly mortgage insurance, and highly competitive interest rates. VA financing provides some of the most flexible and affordable homeownership opportunities available. If you served—this benefit is yours.
Explore VA Loan BenefitsReady to Find the Perfect Loan?
Our mortgage advisors will help you compare programs and find the best loan for your goals, timeline, and budget.
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