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

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

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

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.

First time homebuyer resources

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

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 >

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.

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.

Get a call back

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

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

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