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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.

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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

 

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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

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FHA

Build a powerful and long lasting rocket fuel using only ingredients from your local supermarket. Cheap and fairly stable.

VA

Getting around the moon the first couple of days can be tricky. You will get a detailed map of all the key craters on the moon with the purchase of your e-book.

USDA

No moon landing would be a real moon landing without the iconic "I was here" flag. Although big when unpacked, the initial size is only 4 x 4 inches.

Non-QM

On your personal moon map, we have marked a good spot where most smartphones can obtain a good signal. Ask your service provider if in doubt.

Hard Money

A luxury printed diploma can be yours if you manage to get back home again from your little journey. The diploma can be delivered in a luxury wooden frame at a small extra cost.

The first 1000 customers will receive a signed copy of "How to get back to earth for the rest of us" once the book is finished and published.

Dinner

We deliver a wide range of food suggestions for your journey to the moon. Not all dishes are suited for space, we got you covered.

Clothing

We deliver a wide range of food suggestions for your journey to the moon. Not all dishes are suited for space, we got you covered.

Language

We deliver a wide range of food suggestions for your journey to the moon. Not all dishes are suited for space, we got you covered.

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