Home Mortgage Loans
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Thinking of buying or refinancing?
Personalized mortgage solutions
We're putting you first with flexible options for every homeownership journey
Relationship closing cost credits starting at $250,
Relationship rate discounts starting at 0.125%,
$10,000 down payment grant
Explore mortgage options
Buying a home
Whether it's your first or next home, we'll help you make an action plan to get there. With low down-payment options, credit flexibility, and homebuyer assistance programs, you may be closer than you think.
Refinancing
See if refinancing could save you money with a lower monthly payment or shorter loan term. Or take cash out for renovations or other expenses.
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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.
Common mortgage FAQs
If you extend your loan term, you may pay more interest over the life of your loan.
If you are a service member on active duty, an eligible spouse, partner, or dependent, or currently receiving SCRA benefits, please consult with your legal advisor prior to seeking a refinance of your existing mortgage loan. In some cases, a refinance may impact your eligibility for benefits under the Servicemembers Civil Relief Act or applicable state law.
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With a low down payment, mortgage insurance will be required, which increases the cost of the loan and will increase the monthly payment.
Customers must meet all eligibility requirements for the VA program. Contact Wells Fargo to discuss current VA eligibility requirements.
Effective for loans with a rate lock date on or after February 17, 2026.
The Homebuyer Access® grant may help customers purchase a home by providing a 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 award amount 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, and conventional adjustable-rate mortgages, are not eligible.
Income: There will be income limitations based on 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.
Possible tax implications: Accepting and using grant funds 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, customers should consider speaking with a tax advisor to understand if their taxes may be affected by this grant.
Wells Fargo Home Mortgage is a division of Wells Fargo Bank, N.A.
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