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Buying a house

Turn hopes into home sweet home

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The mortgage process: Simpler than you think

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

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

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Homebuyer resources

Set your homebuying budget

Use our affordability calculator to estimate what you can borrow, so you can search confidently.

Calculate your rate and payment

Rates vary based on location, home price and more. Use our mortgage calculator to customize the numbers.

Low down payment options

These programs require a low down payment. And, you may be able to use grants or gift funds to help with upfront costs.

Buying your first home?

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

4 costs tied to making an offer

Budget for a few things that you’ll need to pay for between the time you place your offer on a home and your closing date.

Read the article >

Important documents for the homebuying process

This 11-item checklist will help you gather the documents you’ll need throughout your homebuying journey.

Read the article >

Quiz: Are you financially ready to buy a home?

These five questions may help you determine if you’re ready and what your next steps should be.

Read the article >

Explore the learning center

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Common homebuying questions

While many people think you can't buy a home without 20% down payment, many mortgage options allow for lower or even no down payment. A home mortgage consultant can help you determine what works best for your finances and what programs you may qualify for.

Closing costs typically include your down payment and a variety of fees, including an application fee, attorney fee, and origination fee. Those charges can vary from provider to provider and can depend on how your loan is set up.

If you're buying a home, it's highly recommended that you obtain a property inspection and make your purchase offer contingent on the findings of the inspection.

There is a difference between a property inspection and an appraisal. An appraisal is required by most mortgage lenders in order to support the value of the real estate and the terms of the mortgage agreement.

While many people think you can't buy a home without a 20% down payment, many mortgage options allow for lower or even no down payment. A home mortgage consultant can help you determine what works best for your finances and what programs you may qualify for.

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

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