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Home Equity Loan

Get a fixed interest rate and predictable monthly payments

You may be eligible for a customer relationship discount when you open a new home equity loan

A Wells Fargo Home Equity Loan may be a good option if you need to fund a one-time expense.

Apply for a home equity loan or line of credit. Apply Online
Call  1-888-667-1772 or
find a location


Be eligible for a relationship discount of 0.500% when you open a new home equity line of credit account and choose automatic payments from a qualified Wells Fargo deposit account.


With a home equity loan you can:

  • Receive your funds in a lump sum — you get the full loan amount at once.
  • Choose from a variety of loan terms (varies by loan amount).
  • Enjoy a fixed interest rate for the life of the loan.
  • Make fixed monthly payments of principal and interest.
  • Have a predictable payoff schedule. 
  • Pay down additional principal balance at any time without penalty.


  • Potential tax benefits. Unlike personal loans or credit cards, the interest on your home equity loan may be tax deductible.
  • Payment stability. The fixed interest rate provides a predictable monthly payment that does not change throughout the life of the loan.
  • Flexibility. Select the home equity closing cost option that meets your needs. 


  • With a home equity loan, you have one-time access to available equity and a single monthly payment option. 
  • A home equity loan means an additional monthly payment and additional debt secured by your home.
Compare with a Home Equity Line of Credit
Principal and interest (P&I)
These are two of the main components of your monthly payment. The principal portion of your payment reduces your loan balance. The interest portion is your cost for the use of the principal for that month. If your mortgage loan payments also include property taxes and homeowner's insurance (and mortgage insurance, if applicable), the monthly payment amount is referred to as PITI (Principal, Interest, Taxes, Insurance).

Closing cost options
Most home equity financing offers two options:

Have us pay your closing costs:

Pay your closing costs:

For details, please call 1-888-421-4672.