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Home Mortgage Loans

The right home starts with the right mortgage

Take the first step to find out how much you'll be able to borrow

Get prequalified

Buy a home

A home of your own means a lot. Wherever you are on your homeownership journey, we're here to help you every step of the way.

Refinance

A cash-out refinance could help you tap into the home equity you've built up, to pay for home improvements or other goals.

Learning center

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

Manage your account

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

Call  1-877-937-9357 to talk to a mortgage consultant about your options.

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Buying a house

Wherever you are in the process, we’ll help guide you through.

Step 1: See what you can afford

Get an estimated home price and monthly mortgage payment based on your income, monthly debt, down payment, and location.

Check price range

Step 2: Get a prequalification

Getting prequalified lets you know how much you can borrow, and lets sellers know you can back up your offer.

Get prequalified

Step 3: Start your application

Ready to take the next step in homeownership? Contact us or find a mortgage consultant in your area

Get a call back

Learn more about homebuying >

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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.

Mortgage calculators and tools

Mortgage calculator

Estimate your monthly payments, closing costs, APR and mortgage interest rate today.

Get rate and payment

Affordability calculator

Explore how much you may be able to borrow with our home affordability calculator.

Get a price range

Today’s mortgage and refinance rates

See rate and APR information for popular loan types.

Check rates

Shop homes for sale in your area

Start your search

First time homebuyer resources

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

Get started
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Mortgage learning center

Compare the costs of renting vs. buying

Review common costs side by side to help you determine what's right for you.

Read the article >

Understanding your credit report and credit score

Improving your credit score may help secure your mortgage at a lower interest rate, and may result in a lower monthly payment on your home.

Read the article >

4 reasons to consider refinancing your mortgage

Refinancing can help you reduce the interest you pay or cut the time it will take to pay off your loan — or both.

Read the article >

Explore the learning center

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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.

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.

More home loan FAQS

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Talk to a mortgage consultant

Call us

1-877-937-9357

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

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Let us contact you

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

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Find a consultant

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

Search locations

Mortgage customer service

1-800-357-6675

Mon – Fri: 6 am – 10 pm
Sat: 8 am – 2 pm
Central Time

Marque 9 para recibir atención en español.
‍ Equal Housing Lender

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

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