Professional partnerships
Strength in working together
As a leading large bank lender, Wells Fargo understands the strength of working together to achieve homeownership. We continue to optimize our teams to better serve you and your client needs to create a better home buying journey.
How Wells Fargo can help
Select your role to learn more
Builder
As a condo developer, you know project approvals add complexity to your business. Let us help you navigate the project approval process and simplify the customer experience.
Avoid costly cancellations with our Builder Best® Extended Rate Lock program. For a required, non-refundable, extended rate-lock fee, buyers can secure an interest rate for 6 to 12 months, with the added benefit of a one-time float down option if market conditions improve.
With your buyers' financing in place, you can focus on your priorities – building and selling more homes.
- Reliable preapproval – with preapprovals you can count on, you'll feel confident your buyers are ready to purchase.
- Home financing options – no two buyers are alike, that's why we provide a wide variety of financing options to meet your buyers' unique needs.
- Ongoing communications – keeping everything moving along toward closing.
- Start-to-finish support – your buyers will have the support they need to make well-informed decisions.
Looking to get your new condo project approved so you can get buyers in sooner? Now you can. Our comprehensive condo approval process can begin prior to construction stage and be completed when your buyers are ready to buy. Our in-house project approval team delivers an efficient and seamless experience that will work to accelerate approvals and reduce turn times. We provide approvals for conforming, non-conforming portfolio, FHA, and VA loans, including condo conversions.
- Conditional legal draft project approvals prior to launching sales
- Fannie Mae Condo Project Manager and Project Eligibility Review Service approval
- FHA Direct Endorsement Lender Review and approval process delegated lender approvals
- Portfolio approvals for construction sub-phasing, lower presales, mixed-use projects, and ability to coordinate mass closings
Reach out to a business development program consultant in your region to explore how working with us can benefit you.
Leadership team
Kelly Ann Zuccarelli – Director, Business Development
609-709-5296
kellyz@wellsfargo.com
Joe Crisci – National Program Manager, Builder and Union Plus®
214-725-6315
joe.crisci@wellsfargo.com
Ron Sozio – National Condo Business Development Manager
908-642-8309
ron.sozio@wellsfargo.com
Corporate professional
Provide your employees with special home financing benefits through the Corporate Mortgage Benefit Program. The program is quick and easy to set up, and we’ll provide easy-to-understand communications for you to share with your employees. Our team of mortgage consultants work directly with your employees to help them understand their home financing options and provide ongoing support every step of the way to help them become successful homeowners.
Benefits for your employees- Special mortgage benefits – eligible employees receive an award after closing a home purchase or refinance through the Corporate Mortgage Benefit Program.
- Financial education – homebuyer webinars and on-site presentations to assist employees in making informed home financing decisions.
- Online tools and resources – educational tools to help employees make informed decisions and budget for their home purchase or refinance.
- When, where, and how – employees can access the Wells Fargo Home Mortgage team of home financing professionals online, over the phone, or face-to-face at Wells Fargo branches across the country.
- Simplifying the application process – applying is easier with our simplified online mortgage application. Your employees can choose to connect the application with their financial accounts and easily upload documents.
- My Mortgage GiftSM – when eligible employees finance their home with Wells Fargo and confirm their eligibility, we’ll send them a My Mortgage Gift SM award after closing – a $500 value for buying a home or a $300 value when refinancing.
- No cost benefits program to boost employee morale, increase productivity, and improve retention.
- Account Management team provides utilization reporting and crafted messages, tools, and education that will resonate with your employees.
- Wells Fargo resources available to support you and your employees at a national and local level.
- Industry knowledge and messages that are pertinent to the current economy and housing market.
Leadership team
Kelly Ann Zuccarelli – Director, Business Development
609-709-5296
kellyz@wellsfargo.com
Joe Crisci – National Program Manager, Builder and Union Plus®
214-725-6315
joe.crisci@wellsfargo.com
Robert Silva – Business Development Program Manager
404-987-2311
robert.l.silva@wellsfargo.com
Union leader
Our knowledgeable Wells Fargo team, together with Union Plus®, is ready to support union families with their home financing goals. Whether buying a first home, moving to a larger space, or refinancing an existing home. Wells Fargo has a broad range of options to meet buyers’ needs.
Exclusive benefits available through the Union Plus Mortgage Program
- Mortgage Assistance Program provided by Union Plus – should member experience an unexpected loss of income, Union Plus provides an interest-free mortgage assistance loan or grant to eligible union members, and their parents and children.
- Veteran's Grant – qualifying union member veterans, who close on a primary home purchase or refinance through the program, can complete an application through Union Plus within 120 days of closing to receive a $1,000 Veteran’s Grant from Union Plus. Terms and restrictions apply.
- My Mortgage Gift℠ – when union families finance their home with Wells Fargo and confirm their eligibility, we’ll send them a My Mortgage GiftSM award after closing – a $500 value for buying a home or a $300 value when refinancing.
Reach out to a business development program consultant in your region to explore how working with us can benefit you.
Leadership team
Kelly Ann Zuccarelli – Director, Business Development
609-709-5296
kellyz@wellsfargo.com
Joe Crisci – National Program Manager, Builder and Union Plus®
214-725-6315
joe.crisci@wellsfargo.com
Robert Silva – Business Development Program Manager
404-987-2311
robert.l.silva@wellsfargo.com
Community organization
- Homebuyer Access® grant – This grant may help customers purchase a home by providing $10,000 toward the down payment, which never has to be repaid.
- Financial education – Homebuyer webinars and on-site presentations assist communities in making informed home financing decisions.
- Dream. Plan. Home® closing cost credit– Our closing cost credit may provide up to $5,000 for one-time closing costs, such as appraisal and processing fees. It's available with conforming and VA mortgage programs, and can be combined with:
- Low down payment options
- Wells Fargo approved down payment assistance programs
- Specialized programs for first-time homebuyers, union members, employees of participating companies, service members and veterans
West markets
As a condo developer, you know project approvals add complexity to your business. Let us help you navigate the project approval process and simplify the customer experience.
Avoid costly cancellations with our Builder Best® Extended Rate Lock program. For a required, non-refundable, extended rate-lock fee, buyers can secure an interest rate for 6 to 12 months, with the added benefit of a one-time float down option if market conditions improve.
With your buyers' financing in place, you can focus on your priorities – building and selling more homes.
- Reliable preapproval – with preapprovals you can count on, you'll feel confident your buyers are ready to purchase.
- Home financing options – no two buyers are alike, that's why we provide a wide variety of financing options to meet your buyers' unique needs.
- Ongoing communications – keeping everything moving along toward closing.
- Start-to-finish support – your buyers will have the support they need to make well-informed decisions.
Looking to get your new condo project approved so you can get buyers in sooner? Now you can. Our comprehensive condo approval process can begin prior to construction stage and be completed when your buyers are ready to buy. Our in-house project approval team delivers an efficient and seamless experience that will work to accelerate approvals and reduce turn times. We provide approvals for conforming, non-conforming portfolio, FHA, and VA loans, including condo conversions.
- Conditional legal draft project approvals prior to launching sales
- Fannie Mae Condo Project Manager and Project Eligibility Review Service approval
- FHA Direct Endorsement Lender Review and approval process delegated lender approvals
- Portfolio approvals for construction sub-phasing, lower presales, mixed-use projects, and ability to coordinate mass closings
Reach out to a business development program consultant in your region to explore how working with us can benefit you.
Leadership team
Kelly Ann Zuccarelli – Director, Business Development
609-709-5296
kellyz@wellsfargo.com
Joe Crisci – National Program Manager, Builder and Union Plus®
214-725-6315
joe.crisci@wellsfargo.com
Ron Sozio – National Condo Business Development Manager
908-642-8309
ron.sozio@wellsfargo.com
Provide your employees with special home financing benefits through the Corporate Mortgage Benefit Program. The program is quick and easy to set up, and we’ll provide easy-to-understand communications for you to share with your employees. Our team of mortgage consultants work directly with your employees to help them understand their home financing options and provide ongoing support every step of the way to help them become successful homeowners.
Benefits for your employees- Special mortgage benefits – eligible employees receive an award after closing a home purchase or refinance through the Corporate Mortgage Benefit Program.
- Financial education – homebuyer webinars and on-site presentations to assist employees in making informed home financing decisions.
- Online tools and resources – educational tools to help employees make informed decisions and budget for their home purchase or refinance.
- When, where, and how – employees can access the Wells Fargo Home Mortgage team of home financing professionals online, over the phone, or face-to-face at Wells Fargo branches across the country.
- Simplifying the application process – applying is easier with our simplified online mortgage application. Your employees can choose to connect the application with their financial accounts and easily upload documents.
- My Mortgage GiftSM – when eligible employees finance their home with Wells Fargo and confirm their eligibility, we’ll send them a My Mortgage Gift SM award after closing – a $500 value for buying a home or a $300 value when refinancing.
- No cost benefits program to boost employee morale, increase productivity, and improve retention.
- Account Management team provides utilization reporting and crafted messages, tools, and education that will resonate with your employees.
- Wells Fargo resources available to support you and your employees at a national and local level.
- Industry knowledge and messages that are pertinent to the current economy and housing market.
Leadership team
Kelly Ann Zuccarelli – Director, Business Development
609-709-5296
kellyz@wellsfargo.com
Joe Crisci – National Program Manager, Builder and Union Plus®
214-725-6315
joe.crisci@wellsfargo.com
Robert Silva – Business Development Program Manager
404-987-2311
robert.l.silva@wellsfargo.com
Our knowledgeable Wells Fargo team, together with Union Plus®, is ready to support union families with their home financing goals. Whether buying a first home, moving to a larger space, or refinancing an existing home. Wells Fargo has a broad range of options to meet buyers’ needs.
Exclusive benefits available through the Union Plus Mortgage Program
- Mortgage Assistance Program provided by Union Plus – should member experience an unexpected loss of income, Union Plus provides an interest-free mortgage assistance loan or grant to eligible union members, and their parents and children.
- Veteran's Grant – qualifying union member veterans, who close on a primary home purchase or refinance through the program, can complete an application through Union Plus within 120 days of closing to receive a $1,000 Veteran’s Grant from Union Plus. Terms and restrictions apply.
- My Mortgage Gift℠ – when union families finance their home with Wells Fargo and confirm their eligibility, we’ll send them a My Mortgage GiftSM award after closing – a $500 value for buying a home or a $300 value when refinancing.
Reach out to a business development program consultant in your region to explore how working with us can benefit you.
Leadership team
Kelly Ann Zuccarelli – Director, Business Development
609-709-5296
kellyz@wellsfargo.com
Joe Crisci – National Program Manager, Builder and Union Plus®
214-725-6315
joe.crisci@wellsfargo.com
Robert Silva – Business Development Program Manager
404-987-2311
robert.l.silva@wellsfargo.com
- Homebuyer Access® grant – This grant may help customers purchase a home by providing $10,000 toward the down payment, which never has to be repaid.
- Financial education – Homebuyer webinars and on-site presentations assist communities in making informed home financing decisions.
- Dream. Plan. Home® closing cost credit– Our closing cost credit may provide up to $5,000 for one-time closing costs, such as appraisal and processing fees. It's available with conforming and VA mortgage programs, and can be combined with:
- Low down payment options
- Wells Fargo approved down payment assistance programs
- Specialized programs for first-time homebuyers, union members, employees of participating companies, service members and veterans
West markets
If you extend your loan term, you may pay more interest over the life of your loan.
If you are a service member on active duty, an eligible spouse, partner, or dependent, or currently receiving SCRA benefits, please consult with your legal advisor prior to seeking a refinance of your existing mortgage loan. In some cases, a refinance may impact your eligibility for benefits under the Servicemembers Civil Relief Act or applicable state law.
How was your experience? Give us feedback.
Change of loan product or program, change in loan-to-value ratio, or change of interest rate will require underwriting approval. Exercising the one-time float-down option is not allowed within 30 days of the original lock. The float-down option is available within the earlier of 60 days of loan closing or lock expiration date. The float-down option allows a change to any lender product or program or re-lock to the current available interest rate.
Union Plus® is a registered trademark of Union Privilege.
The Union Plus® Mortgage Assistance Program is provided and administered through the AFL-CIO Mutual Benefit Plan ("The Plan"), which is not affiliated with Wells Fargo Bank, N.A. Additional information about The Union Plus® Mortgage Assistance Program and eligibility criteria can be obtained at unionplus.org/mortgageassistance.
The Homebuyer Access® grant may help customers purchase a home by providing a grant for a down payment, subject to eligibility requirements. Grant funds cannot be used in connection with the financing of a Wells Fargo real estate owned (REO) property purchase. Repayment is not required for the grant. To use the grant, the full award amount must be applied toward the down payment. We cannot apply less than the full amount. The down payment grant is available in certain areas. Eligibility for grant money will not be confirmed until underwriting is complete.
Eligibility requirements:
Loan type: The grant may be used with a Wells Fargo fixed-rate conventional loan only. Loan types, such as non-conforming loans, government loans, and conventional adjustable-rate mortgages, are not eligible.
Income: There will be income limitations based on where the subject property is located.
Location: The borrower's verified current permanent residential address must be located in an eligible area or the subject property the borrower is purchasing must be located in an eligible area.
Occupancy: The borrower must occupy the subject property they are purchasing as their primary residence.
Possible tax implications: Accepting and using grant funds may be considered additional taxable income and will be reported on Form 1099-MISC for the primary borrower (the first person listed on the loan) on the application. This means the borrower may owe taxes on that additional income. The grant funds received may also affect any eligibility for income-based assistance, such as government programs like student loan payment relief or other government payments that may be based on income. Before accepting this grant, customers should consider speaking with a tax advisor to understand if their taxes may be affected by this grant.
The Dream. Plan. Home.® closing cost credit may help eligible consumers purchasing their primary residence. Income limits may apply based on the property location. The closing cost credit is available in certain areas and is not available with all loan types.
Wells Fargo Home Mortgage is a division of Wells Fargo Bank, N.A.
DT1-12312026-12-8692423-1.1
