Mortgage learning and education center

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Preparing to buy a home

What monthly payment can you afford?

To set an affordable price range, start by determining what payment amount would work with your monthly budget.

The cost of renting versus buying a home

Wondering whether now is the time to invest in homeownership? Compare the upfront and ongoing costs of buying and renting.

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Are you financially ready for homeownership?

A home is a big financial commitment, so preparation and planning are essential. Make sure you're ready to take it on.

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Prequalification versus preapproval

Learn what it means to get prequalified or preapproved, and how they can help you get a jump on the homebuying process.

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The mortgage process

How much do you need for a down payment?

How much you put down matters, but a large down payment isn't always necessary when buying a home.

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Components of a mortgage payment

Learn how your monthly mortgage payment is divided between the principle balance, interest, taxes, and insurance.

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What are closing costs?

Closing costs can be a big consideration in choosing a mortgage. Learn what fees and payments are typically included.

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What is a jumbo loan and when do you need one?

Higher value homes may require a jumbo mortgage. Find out how they work and what makes them different from other home loans.

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See more articles about navigating the mortgage process

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Owning and refinancing

Buying your home is just the beginning. Understand what to expect as a homeowner, and how to get the most out of your home and your mortgage.

Homeownership and taxes

Owning a home can affect your taxes in multiple (and sometimes complicated) ways, and what you pay can change over time.

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How to pay off your mortgage faster

The more quickly you pay down your mortgage, the more you could save in the long run by paying less in total interest.

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Benefits of a mortgage refinance

Refinancing may have different advantages depending on your needs. Learn about the benefits and see if it's the right move for you.

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Understanding a cash-out refinance

The equity in your home can be a source of funds for renovations or other expenses. Cash-out refinancing is one way to tap into it.

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See more articles about owning and refinancing

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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.

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Wells Fargo Home Mortgage is a division of Wells Fargo Bank, N.A.

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