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Mortgage Account Basics

Your Home Matters®

The Your Home Matters program is designed to provide you with resources and information to help you manage your mortgage account.

Welcome. The Your Home Matters program provides information to help you manage your mortgage and make the most of your relationship with Wells Fargo. Visit any time you have a question about your account.

What does Wells Fargo do as my mortgage servicer?

Wells Fargo will handle the day-to-day tasks of managing your loan. Count on us to:

  • Process your loan payments.
  • Respond to your questions and concerns.
  • Keep track of principal and interest paid.
  • Manage your escrow account, if you have one, by making property tax and insurance payments on your behalf.

My new home will bring additional expenses. How can Wells Fargo help me keep track of my spending?

My Money Map helps you create your own financial plan by tracking your spending, budgeting, and savings in easy-to-understand charts. If you already manage your Wells Fargo accounts online, sign on to review your accounts and select the My Money Map tab. If you’re not managing your accounts online, sign up now.

How much should I save for improvements and repairs?

As a rule of thumb, most homeowners spend 1% to 2% of the purchase price of their home every year for routine maintenance projects, such as window replacement and roofing repair. Learn how to plan for home improvements and repairs.

What’s the best way to establish a household budget?

Creating a budget involves 5 basic steps:

  • Organize: Gather the documents you’ll need to track your income and expenses.
  • Track: For one month, keep a detailed log of your spending habits. If you have a bank account with Wells Fargo, My Money Map can help by tracking your spending, budgeting, and savings in easy-to-understand charts.
  • Analyze: At the end of the month, total your expenses and subtract them from your income.
  • React: Separate your expenses into categories and set a budget for each.
  • Review: Make a habit of reviewing your budget every month.
Whether or not you bank with Wells Fargo, learn more about the budgeting process to track your household income and expenses.

How can I maintain my home to minimize the need for repairs down the road?

Care for your home with these easy suggestions that can help prevent common problems.

Things to do monthly

  • Inspect furnace filters and change them frequently, according to the instructions that came with your heating, ventilation, and air conditioning systems.
  • Inspect your fire extinguishers. Make sure they're easily reachable and that their gauges show adequate pressure.
  • Keep gutters free of leaves and other debris. While you're checking your gutters, also take a look at weather stripping and window caulking. Make sure your garage door opens and closes smoothly.

Quarterly or twice a year

  • Test smoke detectors and carbon-monoxide detectors. Change the batteries as needed. 
  • Run faucets and flush toilets that you don't use regularly to prevent odors, grime, and other build-up in the plumbing.
  • Inspect your home for water intrusion, including roof leaks. 
  • Hire a professional to check your furnace in the fall, and your air conditioner in the spring. Many companies offer lower rates if you agree to annual service.
  • Test your water heater's pressure-relief valve to prevent mineral build-up and corrosion, and to help prevent leaks. Check your owner's manual for instructions.

Annually

  • Inspect the exterior of your home. Look for chipped paint, damaged siding, or holes in brick or stucco; also, check your foundation for cracks. If you see any damage, arrange to have it repaired.
  • Clear dead shrubs or plants from your yard and trim trees. Dead or overgrown foliage are common nesting places for pests.
  • Check locks and deadbolts on your doors and windows. If they don't work, replace them. 
  • Check caulking around showers and bathtubs, and repair as needed.
  • If you have a chimney, have it cleaned by a professional. Even if you don't use it regularly, birds often nest in chimneys and can cause problems.
  • If you have a sump pump, test it to make sure it's working.

How can I decide if refinancing my mortgage may be a good option for me?

Contact a Wells Fargo home mortgage consultant to discuss if refinancing makes sense for your situation.

Refinancing may be a good option if you want to:

  • Reduce your interest rate to lower your monthly payment.
  • Reduce your term to pay off your mortgage sooner.
  • Convert your mortgage loan from an adjustable rate to a fixed rate.
  • Take equity out of your home to invest in home improvements.
  • Take a co-borrower off the mortgage note, usually in the case of a divorce.

Learn more about refinancing basics to get more information. Your home mortgage consultant can help you make an informed decision about refinancing.

What steps should I take if I want to refinance my mortgage?

If you worked with a Wells Fargo home mortgage consultant when you got your loan, that person can also help you refinance when the time comes. A link to the consultant’s name and contact information can be found on your statement in online banking.

If you prefer to work with a different home mortgage consultant, call us and we’ll help you find one:

1-877-937-9357
Mon – Fri: 7 am – 9 pm
Sat: 8 am – 4:30 pm
Central Time
Find a home mortgage consultant online

What if I think I’m going to have trouble making a mortgage payment?

If you think you might be late with your mortgage payment, contact us right away online or by phone or so we can talk with you about your options:

1-800-678-7986
Mon – Fri: 6 am – 10 pm
Sat: 8 am – 2 pm
Central Time

How do I update my email address and/or phone number for my Wells Fargo Online account?

To update your contact information, follow these easy steps: 

  1. Sign on to Wells Fargo Online and select the Account Services tab.
  2. Under My Profile, select Update Contact Information
  3. Add or update your email addresses and phone numbers as needed.
  4. Select continue and review your changes.
  5. Select Submit.