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Benefits for Military Personnel

Helping America's service members

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 367 days after the Active Duty period.

Expanded benefits

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

  • Providing mortgage assistance to those who can't keep up with payments.
  • Applying foreclosure protection if service members 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.

Military 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 Military Bank Center: Call 1-866-936-SCRA (1-866-936-7272) or fax your Military Orders to 1-877-658-4585, attention SCRA.
  • Military Orders can be submitted at any Wells Fargo branch.

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.

Call 1-800-678-7986 for help with your payment issues.