Home Mortgage Loans

Thinking of buying or refinancing?

Get a personalized rate quote. It takes just a few minutes. No commitment, no credit impact.

Get a rate quote

Homebuying starts here

See what you can afford

Find out in minutes how much you could borrow and receive a customized mortgage estimate — all without affecting your credit score.

Check price range

Shop for homes

Current Wells Fargo customers enjoy exclusive access to a one-stop real estate shopping tool. Start your home search now.

Start home shopping

Learn how to buy your first home

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

Begin your journey

Ready to apply?

Once you’ve prequalified or found a home, it's time to submit a mortgage application and work with us to complete the final steps to becoming a homeowner.

Apply now

Explore the benefits of refinancing

See if you could lower your payment

Use our refinance tool to calculate how much you could save each month with today’s rates.

See what you could save

Estimate your home's value

Current Wells Fargo customers can track neighborhood sales data, see how renovating could increase your home value, and much more.

Claim your home to see
its value

Tap into your home’s equity

With a cash-out refinance, you can pay for things like home improvements or college tuition, or even consolidate your debt.

Learn more

Apply for your refinance

When you’re ready to lower your payment, pay off your mortgage faster, or consolidate debt, our online application will get you started fast.

Start here

Get more with your mortgage

$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.,

Learn more >

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.

Learn more >

Relationship mortgage discounts

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 of $250,000 or more with Wells Fargo. Not all assets qualify.

Learn more >

Grow your knowledge with our mortgage tools

Mortgage calculators

Run the numbers with our collection of helpful tools.

View calculators

Today’s mortgage and refinance rates

See rate and APR information for popular loan types.

Check rates

Learning center

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

Explore articles

Manage your account

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

Customer help

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.

Shap Bashar

Shap Bashar

NMLSR ID : 481189

703-757-2977
1700 K Street NW Washington, DC 20006

Customers must meet all eligibility requirements for the VA program. Please discuss current VA eligibility requirements with a home mortgage consultant.

Powered by ComeHome.

Using a cash-out refinance to consolidate debt increases your mortgage debt, reduces equity, and extends the term on shorter-term debt and secures such debts with your home. The relative benefits you receive from debt consolidation will vary depending on your individual circumstances. You should consider that debt consolidation may increase the total number of monthly payments and the total amount paid over the term of the loan. To enjoy the benefits of debt consolidation, you should not carry new credit card or high interest rate debt. By refinancing your existing mortgage, your total finance charges may be higher over the life of the loan.

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, and conventional adjustable-rate mortgages 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 Homebuyer Access grant may be combined with Dream. Plan. Home.SM closing cost credit, Corporate Mortgage Benefit Program, Union Plus® Mortgage program, non-Wells Fargo funded down payment assistance programs (DAPs), Builder Credits, and the Employee Mortgage Program. Standard Agency underwriting guidelines apply.

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.

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.

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

QSR-03052026-6988912.1.1

LRC-0924