Home Mortgage Loans

The right home starts with the right mortgage

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$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.

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Up to $5,000 for closing costs

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

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Relationship mortgage discounts

Based on your eligible assets of $250,000 or more with Wells Fargo, you can lower interest rates even further on jumbo non-conforming mortgages.

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Common mortgage questions

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.

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.

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.

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.

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.

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The Homebuyer Access GrantSM 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. 

The Dream. Plan. Home.SM 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.

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 with Wells Fargo.

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

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