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Buying your first home can feel simpler
if you break it down
No two journeys to buy a home look exactly the same. But knowing the key steps — and having some tips, tools, and a team to guide you — can help. Read on to learn more, and you can also contact a consultant.
Buying your first home is a big deal. Between comparing neighborhoods and reviewing real estate listings, make sure you understand the basics of home financing — from mortgage rates to fees and costs.
You can think about how you might pay for a down payment. You can also get prequalified — provide some basic information to get an idea of your home price range. (You’ll learn more about preapproval, which is a little different, in Step 2.)
You have a few ways to do this. You can use our calculator at any time. Or connect with an experienced mortgage consultant who can help you throughout the process.
As you tour open houses and circle in on your dream home, don’t miss this other key step: applying for a mortgage preapproval.
A preapproval from Wells Fargo shows sellers you’re a serious and prepared buyer. Plus, compared to a prequalification, it will give you a more accurate idea of your potential loan amount, monthly payment, and interest rate.
You can work with one of our consultants to guide you through the preapproval process at every step. Or, you can apply for preapproval online. It’s up to you.
Current Wells Fargo customers have exclusive access to a one-stop real estate tool that lets you search specific neighborhoods, know when homes are listed, and get the insights you need to be more confident in your purchase. Start exploring today.
The seller accepted your offer. You’ve submitted your application and your loan has been approved. This is huge!
Before you start packing boxes for your new home, you still need to close on your loan. The process can feel unfamiliar if you’re a first-time homebuyer.
We’ll tell you what to have ready to help your loan closing go smoothly. We’ll remind you of required steps, plus we’ll let you know what you can expect to pay in closing costs.
What’s more, you can easily manage documents and track your application with our simplified online application – it’s available for most loans. Ask us for details.
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A preapproval is based on our preliminary review of information provided and limited credit information only and is not a commitment to lend. We will be able to offer a loan commitment upon verification of application information, satisfying all underwriting requirements and conditions, and property acceptability and eligibility, including appraisal and title report. Preapprovals are subject to change or cancellation if a requested loan no longer meets applicable regulatory requirements. Preapprovals are not available on all products. See a home mortgage consultant for details.
Wells Fargo Home Mortgage is a division of Wells Fargo Bank, N.A.
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