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 * Home Mortgage Loans


HOME MORTGAGE LOANS


THINKING OF BUYING OR REFINANCING?

Get a personalized rate quote. It takes just a few minutes. No commitment, no
credit impact.

Get a rate quote


HOMEBUYING STARTS HERE


SEE WHAT YOU CAN AFFORD

Find out in minutes how much you could borrow and receive a customized mortgage
estimate — all without affecting your credit score.

Check price range


SHOP FOR HOMES

Current Wells Fargo customers enjoy exclusive access to a one-stop real estate
shopping tool.1 Start your home search now.

Start home shopping


LEARN HOW TO BUY YOUR FIRST HOME

Learn the key steps to the homebuying process — and find tips, tools, and a team
to guide you every step of the way.

Begin your journey


READY TO APPLY?

Once you’ve prequalified or found a home, it's time to submit a mortgage
application and work with us to complete the final steps to becoming a
homeowner.

Apply now

Learn more about homebuying


EXPLORE THE BENEFITS OF REFINANCING


SEE YOUR REFINANCE RATE AND PAYMENT

Get a personalized estimate to see what your new rate, payment, and loan amount
would be — all without affecting your credit score.

Get your rate


ESTIMATE YOUR HOME'S VALUE

Current Wells Fargo customers can track neighborhood sales data, see how
renovating could increase your home value, and much more.1

Claim your home to see its value


TAP INTO YOUR HOME’S EQUITY

With a cash-out refinance, you can pay for things like home improvements or
college tuition, or even consolidate your debt.2

Learn more


APPLY FOR YOUR REFINANCE

When you’re ready to lower your payment, pay off your mortgage faster, or
consolidate debt, our online application will get you started fast.2

Start here

Learn more about refinancing

‍


GET MORE WITH YOUR MORTGAGE


$10,000 DOWN PAYMENT GRANT

The Homebuyer Access℠ grant provides $10,000 in down payment assistance to
eligible borrowers buying a home in select locations.Opens a modal dialog for
footnote 3,Opens a modal dialog for footnote 4

Learn more >


UP TO $5,000 FOR CLOSING COSTS

Through our Dream. Plan. Home.℠ closing cost credit,Opens a modal dialog for
footnote 5 eligible buyers get up to $5,000 to apply toward one-time closing
costs when buying a primary home.

Learn more >


RELATIONSHIP MORTGAGE DISCOUNTS

You may be able to pay less interest over the life of your jumbo loan with an
interest rate discount based on your eligible assets of $250,000 or more with
Wells Fargo.Opens a modal dialog for footnote 6

Learn more >


GROW YOUR KNOWLEDGE WITH OUR MORTGAGE TOOLS


MORTGAGE CALCULATORS

Run the numbers with our collection of helpful tools.

View calculators


TODAY’S MORTGAGE AND REFINANCE RATES

See rate and APR information for popular loan types.

Check rates


LEARNING CENTER

Get informed about the mortgage and homebuying process, from starting your home
search to planning your next move.

Explore articles


MANAGE YOUR ACCOUNT

Already have a mortgage with us? Here's everything you need to manage your
account.

Customer help

‍


COMMON MORTGAGE QUESTIONS

How much home can I afford? How much home can I afford?

Many people start by determining what they can afford as a monthly payment. A
common starting point is to calculate 25% of your gross monthly income to help
determine a manageable monthly mortgage payment.

 * Learn more about determining your monthly payment
 * Wells Fargo home price range calculator

What parts of my finances does a mortgage lender review? What parts of my
finances does a mortgage lender review?

A lender will check your credit score and history, your debt-to-income ratio,
which is a measurement of the amount of debt you have compared to your income,
and take a general look at how much money you have in checking and savings
accounts in order to be confident you’ll be able to pay for your mortgage,
taxes, and other costs associated with buying a home.

 * Learn more about your finances and how they impact buying a home
 * Read tips on establishing and building credit

What is the minimum down payment for conventional, FHA, and VA loans? What is
the minimum down payment for conventional, FHA, and VA loans?

Wells Fargo offers several low down payment options, including conventional
loans (those not backed by a government agency).

Conventional fixed-rate loans are available with a down payment as low as 3%.

 * Keep in mind that with a low down payment mortgage insurance will be
   required, which increases the cost of the loan and will increase your monthly
   payment. We'll explain the options available, so you can choose what works
   for you.
 * Talk with a home mortgage consultant about loan amount, loan type, property
   type, income, first-time homebuyer, and homebuyer education requirements to
   ensure eligibility.

FHA loans are available with as little as 3.5% down.

 * FHA loans have the benefit of a low down payment, but you'll want to consider
   all costs involved, including up-front and long-term mortgage insurance and
   all fees.
 * Be certain to ask your home mortgage consultant to help you compare the
   overall costs of all your home financing options.

VA loans offer low- and no-down-payment options for eligible veterans and other
eligible borrowers.Opens a modal dialog for footnote 7

What other costs are part of my mortgage? What other costs are part of my
mortgage?

Your monthly mortgage payment typically will include principal and interest on
the mortgage, as well as homeowners insurance and property taxes if your
mortgage payment includes escrow. Depending on your down payment and loan type,
you may also have to pay private mortgage insurance as part of your monthly
mortgage payment.

 * Watch a video on the components of a mortgage payment
 * Learn more about escrow

More home loan FAQs

‍


HEAR FROM OUR CUSTOMERS


"It was a wonderful seamless experience getting my mortgage from Wells Fargo.
Everyone I worked with was professional, clear, and made the process very
smooth. I am very grateful and would definitely recommend Wells Fargo to
others."


Despina K.


"Start to finish really great experience. Everyone involved was pleasant,
professional, and kind. I have done several mortgages and this by far was the
easiest."

Kenneth F.

‍


TALK TO A MORTGAGE CONSULTANT


CALL US

1-877-937-9357

Mon – Fri: 7 am – 8 pm
Sat: 8 am – 6 pm
Central Time

Marque 9 para recibir atención en español.


ACCOUNT SERVICING

1-800-357-6675

Mon – Fri: 7 am – 10 pm
Sat: 8 am – 2 pm
Central Time

Marque 9 para recibir atención en español.


LET US CONTACT YOU

Enter your contact information to have a mortgage consultant call you.

Get a call back


FIND A CONSULTANT

Use our locator to search for mortgage consultants in your area.

Search locations


QUICK HELP

 * Finish a saved application or check status
 * Sign on to manage your account
 * Customer help and payment options
 * Voice a concern

How was your experience? Give us feedback.

1. Powered by ComeHome.

2.

Using a cash-out refinance to consolidate debt increases your mortgage debt,
reduces equity, and extends the term on shorter-term debt and secures such debts
with your home. The relative benefits you receive from debt consolidation will
vary depending on your individual circumstances. You should consider that debt
consolidation may increase the total number of monthly payments and the total
amount paid over the term of the loan. To enjoy the benefits of debt
consolidation, you should not carry new credit card or high interest rate debt.
By refinancing your existing mortgage, your total finance charges may be higher
over the life of the loan.

3.

The Homebuyer Access Grant℠ may help customers purchase a home by providing a
$10,000 grant for a down payment, subject to eligibility requirements. Grant
funds cannot be used in connection with the financing of a Wells Fargo real
estate owned (REO) property purchase. Repayment is not required for the grant.
To use the grant, the full $10,000 must be applied toward the down payment. We
cannot apply less than the full amount. The down payment grant is available in
certain areas. Eligibility for grant money will not be confirmed until
underwriting is complete.

Eligibility requirements:

Loan type: The grant may be used with a Wells Fargo fixed-rate conventional loan
only. Loan types, such as non-conforming loans, government loans, conventional
adjustable-rate mortgages, and bond loans, are not eligible. 

Income: The total qualifying income of all borrowers must be less than or equal
to 120% of the area median income in the county where the subject property is
located.

Location: The borrower's verified current permanent residential address must be
located in an eligible area or the subject property the borrower is purchasing
must be located in an eligible area. 

Occupancy: The borrower must occupy the subject property they are purchasing as
their primary residence.

Contact a home mortgage consultant to discuss eligibility requirements.

Possible tax implications:  If the customer chooses to accept the grant, the
funds received may be considered additional taxable income and will be reported
on Form 1099-MISC for the primary borrower (the first person listed on the loan)
on the application. This means the borrower may owe taxes on that additional
income. The grant funds received may also affect any eligibility for
income-based assistance, such as government programs like student loan payment
relief or other government payments that may be based on income.  Before
accepting this grant, please have the customer speak with their tax advisor to
understand if their taxes may be affected by this grant. 

4.

The Homebuyer Access grant may be combined with Dream. Plan. Home.℠ closing cost
credit, Corporate Mortgage Benefit Program, Union Plus® Mortgage program,
non-Wells Fargo funded down payment assistance programs (DAPs), Builder Credits,
and the Employee Mortgage Program. Standard Agency underwriting guidelines
apply. The Homebuyer Access grant may not be combined with Bonds or Wells Fargo
funded Down Payment Assistance Programs (DAPs). 

5.

The Dream. Plan. Home.℠ closing cost credit may help eligible consumers
purchasing their primary residence. The credit is designed for consumers with
income at or below 80 percent of the area median income (AMI) in certain areas.
The closing cost credit is not available with all loan types. Please speak with
a home mortgage consultant for details.

6.

Not all assets qualify. For more information and to verify jumbo loan amounts
for your county, contact your private mortgage banker.

7.

Customers must meet all eligibility requirements for the VA program. Please
discuss with a home mortgage consultant to review current VA eligibility
requirements.

‍ Equal Housing Lender

Wells Fargo Home Mortgage is a division of Wells Fargo Bank, N.A.

QSR-04162025-6026404.1.1

LRC-0923

You are leaving the Wells Fargo website.

You are leaving wellsfargo.com website and entering ComeHome, provided by
HouseCanary Inc. Although Wells Fargo has a relationship with this website,
Wells Fargo does not provide the products and services on the website. Please
review the applicable privacy and security policies and terms and conditions for
the website you are visiting.

Any tools at the following website are provided for educational and illustrative
purposes only. Wells Fargo does not guarantee the accuracy of the calculations
and their applicability to your circumstances.

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You are leaving the Wells Fargo website.

You are leaving wellsfargo.com website and entering ComeHome, provided by
HouseCanary Inc. Although Wells Fargo has a relationship with this website,
Wells Fargo does not provide the products and services on the website. Please
review the applicable privacy and security policies and terms and conditions for
the website you are visiting.

Any tools at the following website are provided for educational and illustrative
purposes only. Wells Fargo does not guarantee the accuracy of the calculations
and their applicability to your circumstances.

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