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Home Lending Help

You have questions, we have answers

Top Questions

How can I start my mortgage application?

Get started through any of these convenient ways:

Get prequalified

You can more confidently search for homes with a Wells Fargo prequalification, which shows sellers you’re a serious buyer and gives you a better idea of your potential loan amount, monthly payment, and interest rate.

Apply online

Our simplified and secure online mortgage application will walk you through the process step by step. If you’re a Wells Fargo customer and use your Wells Fargo Online® username and password at the start of your application we’ll prefill some of your information, making it easier to complete the application. Some features of the online application are not available with all loans. Ask a home mortgage consultant for details.

Talk to a consultant

You can also connect with a home mortgage consultant and have a conversation – about your home financing needs, your loan choices, and how much you may be able to borrow. When you’re ready, your home mortgage consultant will help you complete an application. Some features of the online application are not available with all loans. Ask a home mortgage consultant for details.

Does Wells Fargo require a property inspection?

If you're buying a home, it's highly recommended that you obtain a property inspection and make your purchase offer contingent on the findings of the inspection.

There is a difference between a property inspection and an appraisal. An appraisal is required by most mortgage lenders in order to support the value of the real estate and the terms of the mortgage agreement.

Do I need an attorney?

While there are many areas of the country where attorneys are not typically used in real estate transactions, some states do require an attorney. If you're not sure of the state requirements, you can check with your home mortgage consultant.

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.

Can I make a mortgage payment online?

Yes, you can make a payment and manage your mortgage account online, anytime. Gain instant access to your mortgage account details, loan history, tax and interest data, contact information updates, and more. It's fast and simple. Get more details

Who do I contact if I am having trouble paying my mortgage?

We can help you understand your options if you are facing payment challenges. Call 1-800-678-7986.

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