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Buy Your First Home

First-time homebuyer loans, education, and more

Choice of loans and programs. Local home mortgage consultants. Great technology. If you're looking for first-time homebuyer programs, you can count on Wells Fargo.


Apply online

Our simplified mortgage application will walk you through each step.

Apply Now


Get prequalified

Have us contact you to see how much you may be able to borrow.

Get Started


Talk to a consultant 

Find a loan or program

Don't have a lot to put down? Want interest rate flexibility? We've got first-time homebuyer loans covered. Here are some ideas to get started:

  • Wells Fargo yourFirst Mortgage®. Buyers can purchase a home with as little as 3% down with a fixed-rate loan.
    Learn more
  • Fixed-rate and adjustable rate mortgages. Whether you plan on staying in your home forever or only for a while, you have options.
    Learn more
  • Builder Best® Extended Rate Lock program. With a required, non-refundable extended rate lock fee, buyers can lock in a range of interest rates up to 24 months.
    Learn more

Compare your loan options

Work with a home mortgage consultant

Work with us any way you want — in person, by phone, email, and online. Your Wells Fargo home mortgage consultant, and our other home loan professionals, will help you:

Contact a home mortgage consultant

Get yourLoanTrackerSM and ongoing support

yourLoanTrackerSM

Track the progress of your loan, upload documents, even sign select documents. All online, from your computer, smartphone, or tablet. Talk to your home mortgage consultant to see if yourLoanTracker is available for your loan.

Learn more

Ongoing support

When you close on your home, you open more doors. Having all your accounts in one place, flexible payment scheduling, easy online access — these are only a few of the services you get with Wells Fargo.

Learn more at yourHomeMattersSM

Video – Finance the perfect home for you and your dog

Start with a simpler online mortgage application

Transcript: Buy a home you'll both love.

Psst. Hey you.

The one with the designer dog collar.

It's fine...Your human isn't listening.

Wondering how I upgraded into this amazing penthouse?

A 1,200-square-foot bathroom, and my very own indoor spa...basically everything a dog could want.

First, I nudged my human in the right direction by helping her get started on her Wells Fargo mortgage application.

All I had to do was give her "the look".

You know the one.

Then, she just had to answer some questions about her and her finances.

Since my human was signed on to her Wells Fargo Online® account, they filled out some of it for her.

It was like, sooo simple.

Anytime she had questions, she could just call the home mortgage humans.

Basically, if you want to upgrade to a place like mine, just get your human to call a Wells Fargo mortgage consultant or start their online application.

I've never seen my human so happy.

What would she do without me?

 Did you know? 

We're the nation's leading home loan servicer. We're here to support you for the long haul, before and after you close. Learn more

Wells Fargo Difference

  • Experience — we're the nation's leading mortgage lender.
  • Your team — helps you find the right loan and bring you to close.
  • yourLoanTrackerSM — online application management for eligible loans.
  • Ongoing support — here for you even after you get the keys.

Learn more