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Get Help with Payment Challenges

If you are a Wells Fargo Home Equity customer and need help with your payments, don’t wait another day

At Wells Fargo, we understand certain circumstances may present challenges in making payments on your home equity account or home mortgage

We created the Wells Fargo Home Equity AssistSM program to help our customers through difficult times. If you're facing financial challenges, you may be eligible for a lower monthly payment or more time to repay your home equity loan or line of credit. 

Please review your options below and call 1-877-628-9584 now or request an appointment for a Home Equity Specialist to call you. If you’ve already contacted us for help, check the status of your request.

Looking for help with your Wells Fargo Home Mortgage? Learn about your options

What should I do if my payments are current but I have concerns?

If your payments are current but you’re experiencing a temporary difficulty that will delay your next payment, call 1-877-628-9584 to discuss your situation or request an appointment for a Home Equity Specialist to call you at a convenient time.

How can I get help if my payments are past due?

  • If your payment is past due and you need short-term assistance due to a temporary financial hardship of 12 months or less, we may be able to offer you a short-term extension or deferral. 
  • If your payments are past due and you need long-term assistance due to a financial hardship of more than 12 months, we may be able to offer you: 
    • An extension or deferral for more time to repay. 
    • A loan modification to help make your payments more affordable. 
    • A repayment plan to help bring your account up-to-date. 

Please call 1-877-628-9584 today to discuss your options or request an appointment for a Home Equity Specialist to call you. 

Learn more about different assistance options and how we identify ones that may work for you.

What are my options if I’m facing foreclosure?

If your payments are seriously past due, timing is critical. Call 1-877-628-9584 now to learn more about options to help you avoid foreclosure: 

  • If you want to keep your home, ask about refinancing, a repayment plan, or a loan modification. 
  • If you cannot or prefer not to stay in your home, we’ll explore other options, including a short sale or a deed in lieu of foreclosure. The government’s Home Affordable Foreclosure Alternatives (HAFA) program may offer relocation assistance to qualified participants. 
  • For information on avoiding foreclosure, call 1-888-995-HOPE (1-888-995-4673).

Learn more about different assistance options and how we identify ones that may work for you.

How can I learn more about government and other assistance programs?

If you need help in determining if government options or other programs might be right for you, call us at 1-877-628-9584 for more information.

Home Equity or Second Mortgage
Typically a second mortgage — a smaller loan or line of credit borrowed against the equity in your home to help you make home improvements or use toward a down payment for a home.
First mortgage
A first mortgage is typically the primary loan you originally used to buy or refinance your home or other real estate — it's often a much larger amount than a home equity loan or line of credit.