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How Does the Mortgage Process Work?

Know what to expect

Plan ahead for the tasks you’ll need to complete, and know what documents you’ll need along the way.



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4 costs tied to making an offer on a home



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. 

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Popular questions

What’s the difference between prequalification and preapproval?

While both can help you understand how much you may be able to borrow, preapproval involves a more thorough look at your finances and credit information. It can be a signal to sellers that you’re serious about purchasing a home.

Learn more about prequalification and preapproval

Get prequalified through Wells Fargo 

Why do I need homeowners insurance?

Homeowners insurance helps protect you financially if your house is damaged, its contents are stolen, or if someone is injured on your property. It typically is required if you have a mortgage on your home.

More about different types of insurance that cover your home

Learn how an insurance claim works

What’s an earnest deposit?

An earnest deposit is money that you typically pay into a third-party account to signify your intent to purchase a specific home. Typically, if you move forward with the purchase, that money is applied to closing costs.

Learn more about costs related to purchasing a home

Seven steps to help get you to closing

What happens if my mortgage application is denied?

There could be several reasons your loan application is denied, including incomplete information or paperwork. A home mortgage consultant can help you through the process and determine if you need to reapply for a different type of loan or if other solutions are available.

Watch a video to learn more

Learn more about how lenders review your finances


More help for your journey


Up next


Closing

You’re taking the final steps to achieve your goal.

Learn more

Still have questions?

Call Us

New Loans

1-877-937-9357    
Mon – Fri: 7 am – 8 pm
Sat: 8 am – 6 pm
Central Time

Existing Loans

1-800-357-6675 
Mon – Fri: 6 am – 10 pm 
Sat: 8 am – 2 pm 
Central Time

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