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Types of home loans

The right home starts with the right mortgage

Thinking of buying a home or refinancing? We'll help you choose the right loan option to reach your goals.

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Get to know your mortgage options

Fixed-rate mortgage

Predictable payments for the life of your loan

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Adjustable-rate mortgage

Lower introductory rate, which changes periodically in the future

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Jumbo loan

Larger loan amounts for buying or refinancing

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3% down payment on a fixed-rate loan

Buying a home may take less cash than you think

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FHA loan

Flexible credit and income guidelines with down payments as low as 3.5%

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VA loan

Financing for service members through the Department of Veterans Affairs

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Talk with a home mortgage consultant about loan amount, loan type, property type, income, first-time homebuyer, and homebuyer education requirements to discuss eligibility.
FHA loans have the benefit of a low down payment, but consider all costs involved, including up-front and long-term mortgage insurance and all fees. Ask your home mortgage consultant to help you compare the overall costs of all your home financing options.

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Today's mortgage and refinance rates

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Relationship mortgage discounts

See if you can lower your rate even further based on your eligible assets with Wells Fargo.

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Affordable homebuying programs

Find out how our low down payment options can help make homeownership more affordable.

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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.

With a low down payment, mortgage insurance will be required, which increases the cost of the loan and will increase the monthly payment.

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

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