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Benefits for Military Personnel

Helping America’s servicemembers

The Servicemembers Civil Relief Act (SCRA) may offer protection or relief to members of the military, their spouses, partners, and dependents. Wells Fargo appreciates the service of America’s military personnel. That’s why we offer expanded mortgage benefits that go beyond what the SCRA requires.

SCRA benefits

With SCRA benefits you may receive:

  • Foreclosure protection.
  • Fee protection.
  • A special loan modification program for those facing financial challenges.
  • A reduced mortgage interest rate without fees or refinancing:
    • 6% interest rate on SCRA eligible loans that are serviced, but not owned, by Wells Fargo.
    • 4% interest rate on SCRA eligible loans that are serviced and owned by Wells Fargo. 

These benefits last for 12 months after the end of Active Duty Orders.

Expanded benefits

In addition to the benefits offered under SCRA, Wells Fargo helps servicemembers by:

  • Providing mortgage assistance to those who can’t keep up with payments.
  • Applying foreclosure protection if servicemembers are deployed in a hazardous area or deployed internationally in readiness for military action.


If you are an active duty member of the military, including the Reserves or National Guard, and your loan was originated prior to your active duty date, you may be eligible for benefits.

Active Duty Orders

If you have been called to active duty, or are the spouse, partner in civil union, domestic partner, or financial dependent of a person who has been called to active duty, and you haven’t yet made us aware of your status, please contact us as indicated below:

  • Wells Fargo Home Mortgage military customer: Call 1-866-936-SCRA (1-866-936-7272) or fax your Active Duty Orders to 1-877-658-4585, attention SCRA.
  • Wells Fargo Home Equity military customer: Call 1-866-439-3557 or fax your Active Duty Orders to 1-866-573-5741, attention SCRA.

In addition, please be aware that prior to seeking a refinance of your existing mortgage loan, you should consult with your legal advisor regarding the potential loss of any benefits you are entitled to under the Servicemembers Civil Relief Act or applicable state law.

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