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Getting Preapproved for a Mortgage

Let sellers know you're a serious buyer

A Wells Fargo PriorityBuyer® preapproval makes sellers sit up and take notice.
Video: Prequalification versus preapproval

Video — Prequalification versus preapproval

Find out more about these two ways of estimating what you can borrow.

Watch video

Mortgage preapproval options

Wells Fargo has 3 preapproval options — a free prequalification, a PriorityBuyer® preapproval, and a thorough credit check. There's no upfront charge for preapprovals and credit approvals.

Keep in mind that these are tools to help you while home shopping, not commitments to lend. For a final decision, we'll need to review your financial and property information after you complete the mortgage application.

Prequalification

Your free mortgage prequalification lets you know roughly how much you can borrow to buy your new home, based on basic financial information you provide. No credit check, no charge, no commitment.

Preapproval

A PriorityBuyer® preapproval gives you an estimate of a loan amount you may qualify for — and a home price range you may want to consider. We check your credit and conduct an initial automated credit review.

Sometimes preapprovals can change or get cancelled if they don't meet regulatory requirements. They're also not available for all loans. For details, talk to your home mortgage consultant.

Credit approval

Our highest standard of approval. This means we've checked your credit and you've been credit-approved for a specific amount. Also, an underwriter has reviewed your information and made an initial decision on your application.

 Did you know? 

Wells Fargo is the nation's leading residential mortgage lender. Our home mortgage consultants have the experience to help you find the loan that's right for you. Learn more
What's your home financing price range? Don't guess. Get Prequalified
Find a local consultant or
call 1-877-937-9357