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Mortgage Refinancing

Refinance for financial flexibility

Now’s your time.

Mortgage refinancing can change your loan
to meet your needs

Your needs can change — so can your mortgage loan. Talk to us about how refinancing your mortgage could lower your rate and payment or cash out your equity.

Ready to get started?

Get a call back

Call 1-866-448-0571 or find a mortgage consultant in your area

Consider your home refinance goals

“Couple riding on moped”

What's your reason to refinance?

Maybe you want to lower your monthly payment, change the term of your loan, get a lower interest rate, or tap into the equity in your home for other expenses.

Why refinance your mortgage

“Couple learns the difference between home mortgage types”

Different loan options meet different needs

Interest rates can change. So can your cash flow – or your home’s value. Your situation may help you decide between home equity financing or a mortgage refinance. 

See how home loan mortgages differ

Learn how to increase your home’s value

Current Wells Fargo customers have exclusive access to a one-stop real estate tool that lets you track neighborhood estimated home values in real time, learn ways to increase the value of your home, explore renovation opportunities, and much more. Claim your home now to get started. 

Claim your home

Home Mortgage FAQs

If I have a Wells Fargo mortgage and want to refinance, will I have to pay closing costs again?

Yes. There are costs related to processing any new loan application; they can include fees paid to third parties, such as an appraiser, the title company, and other closing expenses.

How are interest rates determined?

Interest rates are influenced by the financial markets and can change daily – or multiple times within the same day. The changes are based on many different economic indicators in the financial markets. View our current interest rates.

What is an origination charge?

The origination charge is the amount charged for services performed on the initial loan application and loan processing. This includes all charges (other than discount points) that lenders and brokers involved in the transaction will receive for originating the loan. It includes any fees for application, processing, underwriting services, and payments from the lender for origination. Learn more about closing costs.

Still have questions?

Call Us

New Loans

Mon – Fri: 7 am – 8 pm
Sat: 8 am – 6 pm
Central Time

Existing Loans

Mon – Fri: 7 am – 10 pm 
Sat: 8 am – 2 pm 
Central Time

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Let Us Contact You

Have a home mortgage consultant call you back.

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.

Talk to a mortgage consultant

Get a call back
Or call us at 1-866-448-0571