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Homeownership is a major step, and a big investment. Whether you’re buying your first home or just getting back into the market, make sure you’re equipped to make smart decisions at every step of the journey.
Buying a house is an exciting milestone in your financial life. As you get started on this journey, take a look at your finances to be confident that you're ready.
Before you decide to buy a home, check your credit score, your debt, and your savings. Those three pieces of financial information may have a big impact on your ability to qualify for a loan, get a competitive interest rate, and buy the home you want.
More about getting started
You're ready to become a homeowner. Now it's time to think about how that impacts your budget.
The top two numbers that will help guide you in figuring out what home price you may be able to afford are your down payment amount and your monthly payment amount. Buying a home is one of the biggest financial decisions you’ll make, and you’ll want to stay within your budget - both for making decisions now and for having confidence in the future.
More about how to prepare:
Learn about different types of mortgages and the professionals who can help you throughout the homebuying process.
You have a lot of options when it comes to choosing a lender and mortgage that is right for you. This quiz may help you identify the factors - emotional or logistical - that may be the most important to you when it’s time to choose your lender.
More about evaluating mortgages and lenders:
Plan ahead for the tasks you’ll need to complete, and know what documents you’ll need along the way.
Budget for a few things that you’ll need to pay for between the time you place your offer on a home and your closing date. These things include the following: an earnest deposit, a home inspection, an appraisal, and homeowners insurance. Cost of these services may vary.
More about the mortgage process:
With a little preparation, closing day can be the day you celebrate a major life milestone.
Closing day on your home is typically between four and eight weeks after your purchase contract is accepted. Taking care of important tasks, such as getting a home inspection and finalizing your closing payment, may help the process go more smoothly so you can get your keys and move in.
More about closing:
Owning a home has benefits. It also comes with a new list of things you need to plan for.
By rounding up your monthly principal and interest payment or by considering biweekly payments rather than monthly, you may be able to save on the amount of interest you pay over the life of your mortgage. However, you may also want to consider whether making extra payments on your mortgage is the best use of your money, as opposed to paying off a high-interest credit card or boosting your emergency savings.
More about being a homeowner:
1-877-937-9357
Mon – Fri: 7 am – 8 pm
Sat: 8 am – 6 pm
Central Time
1-800-357-6675
Mon – Fri: 6 am – 10 pm
Sat: 8 am – 2 pm
Central Time
Wells Fargo Home Mortgage is a division of Wells Fargo Bank, N.A.
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