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Featured Programs for Refinancing

Wells Fargo provides a variety of programs that may help you with your refinancing goals. Learn about how you can manage your personal finances with the benefits of our temporary payment reduction and other programs, or whether you are eligible for the Home Affordable Refinance Program (HARP).

Home Affordable Refinance Program (HARP)

If your mortgage is more than your home is worth, you may not qualify for a traditional refinance even though you're current on payments. But with HARP, you may be able to refinance even if your home's value has declined.

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Temporary payment reduction

Make lower monthly principal and interest payments for up to the first three years of your loan term.

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Lender-paid private mortgage insurance (LPMI)

If your loan requires private mortgage insurance, Wells Fargo can build the cost into your interest rate.

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Private Mortgage Banking

Enjoy a full range of financial services, including distinctive home financing programs that match your wealth-building strategies.

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Apply online

Our simplified mortgage application will walk you through each step.

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Explore your options

Have us contact you to discuss your refinancing goals.

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Talk to a consultant

If you are a service member on active duty, prior to seeking a refinance of your existing mortgage loan, please consult with your legal advisor regarding the relief you may be eligible for under the Servicemembers Civil Relief Act or applicable state law.

Principal and interest (P&I)
The 2 main components of your monthly payment. The principal portion reduces your loan balance, while the interest is your cost for using the principal. Your monthly payments may include taxes and insurance in addition to P&I.