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Applying for a Mortgage

See how the Wells Fargo process works

Stay on top of the mortgage process with the right information, great technology — and your Wells Fargo team.

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 

The mortgage process — a basic outline

When applying for a mortgage, easily navigate the loan process with the help of your home mortgage consultant and yourLoanTracker℠. yourLoanTracker is available for eligible loans; talk to a home mortgage consultant for details.

Learn more about yourLoanTracker

Step 1: Complete the application

  • Connect with a home mortgage consultant, who will help you understand and compare your loan options.
  • When you find your house and decide to apply for a mortgage, your home mortgage consultant will help you complete your application.
  • Receive personal email invitation to yourLoanTracker if your loan is eligible. Read and upload loan documents in yourLoanTracker.
  • Review Disclosure Package with Loan Estimate.
  • Provide personal information like residence history and documents like bank statements, pay stubs, W-2s or I-9s. See more documents
  • Get welcome call from home loan processor.

Step 2: Financial and property review

  • Title search and appraisal ordered.
  • Submit any additional documents.
  • Home loan underwriter reviews your information.

Step 3: Preparing to close

  • Contact insurance company for homeowners insurance.
  • We review property title and schedule your closing date.
  • Review final Closing Disclosure.
  • We tell you the amount of money you need to bring to closing in a cashier's check.

 Wire Transfer Fraud 

Before you wire funds, be sure to verify all instructions and contact information. Learn more about how to avoid wire fraud from the American Land & Title Association.

Step 4: Closing

  • Get Closing Package from closing agent.
  • Review and sign documents.
  • Pay any closing costs with cashier's check.

Managing your account

View your loan balance, make payments, and manage your other Wells Fargo accounts by signing on to Wells Fargo Online® at your Home MattersSM.

 Did you know? 

At Wells Fargo, you get an entire mortgage team to work with — starting with your home mortgage consultant, who can help you find the loan that's right for you. Learn more

See how simple it is to use our online application (Video length: 2:35)

Transcript: See how simple it is to use our online application

Ready to buy a home? Or refinance your mortgage? Start with a simple online mortgage application from Wells Fargo.
It’s easy to use and allows you to conveniently apply on your own time… whether you’re on the go… or relaxing at home… with help from a home mortgage consultant when you need it.
First, set aside 20-30 minutes to complete the application. If you can’t complete it in one sitting, you can log back in and pick up where you left off.
If you’re a Wells Fargo online banking customer, select “Sign On and Apply” to enter your username and password. This will allow us to pre-populate your application with information we already have.
If you don't have a Wells Fargo online banking account, select “Apply as New Customer”.
And, after you complete the “Getting Started” and “Getting to Know You” sections, your information will be saved in case you need to come back later to finish your application. You’ll receive an email with an access code that will allow you to pick up where you left off.
Get started by answering a few questions about yourself. If you signed on with a Wells Fargo online banking password, some information will be filled out for you.
Then tell us about your financial assets, like checking, savings and investment accounts. Select any Wells Fargo accounts you want to include. You can even connect to accounts at other banks!
Next, provide your income… and any real estate you currently own. Then we’ll ask a series of questions required for all mortgage applications. …and wrap up with any additional questions we may have for you.
Next, you can easily upload pay stubs and any other required documents. You can also choose to do this later, but providing them now will help us process your application more quickly.
If you’re already working with a home mortgage consultant, they’ll follow up after you’ve applied to talk more about your loan options. 
If you started the application on your own, tell us what you’re looking for… and we’ll provide suggestions based on the information you’ve provided. You’ll select a loan option, but don’t need to commit to it yet – you can make a final decision later.
Then, select submit and congratulations! Your application is on its way to us… and we’ll contact you soon!
With a simple online application and a knowledgeable home mortgage consultant, you can take the next step in reaching your homeownership goals.