Get an estimated home price and monthly mortgage payment based on your income, monthly debt, down payment, and location.
Find out how much you can afford with our mortgage affordability calculator. See estimated annual property taxes, homeowners insurance, and mortgage insurance premiums along with your estimated debt-to-income ratio.
Your monthly payment may include additional costs, including HOA fees, condo fees and utilities, which are not included. Loan terms and mortgage interest rates may vary based on credit score and your individual situation.
These programs require a low down payment. And, you may be able to use grants or gift funds to help with upfront costs.
Get informed about the mortgage and homebuying process, from starting your home search to planning your next move.
See rate and APR information for popular loan types.
Be a more confident homebuyer with exclusive access to insights from a one-stop real estate tool for Wells Fargo customers.
We’ll check your credit history to give you an even more solid estimate of what you can afford, along with your expected rate and monthly payment.
It takes only a few minutes, and there is no impact to your credit score.
If you’re ready to apply online, let’s go
Call 1-888-446-2350 or find a mortgage consultant in your area
Common homebuying questions
If you obtain home financing, you’ll repay more than the amount you borrowed because the amount you repay is determined by several factors, including the interest and loan amount. Here are some terms you should understand.
Remember that interest rates only tell part of the story. The cost of a mortgage is reflected by the interest rate, discount points, fees, and origination charges. This cost is known as the annual percentage rate (APR), which is typically higher than the interest rate. The APR lets you compare mortgages of the same dollar amount by considering their annual cost.
Your monthly mortgage payment is typically made up of four parts:
Depending upon your property location, property type, and loan amount, you may have other monthly or annual expenses such as mortgage insurance, flood insurance, or homeowner association fees.
Get started through any of these convenient ways:
Apply online
Our simplified and secure online mortgage application will walk you through the process step by step. If you're a Wells Fargo customer and use your Wells Fargo Online ® username and password at the start of your application, we'll prefill some of your information, making it easier to complete the application. Some features of the online application are not available with all loans; talk to a home mortgage consultant.
Talk to a consultant
You can also connect with a home mortgage consultant and have a conversation – about your home financing needs, your loan choices, and how much you may be able to borrow. When you’re ready, your home mortgage consultant will help you complete an application.
We'll send you disclosures listing your loan terms as well as estimated payments, and your application will be reviewed by an underwriter.
During the financial and property review, we'll:
You'll need homeowners insurance to close your loan. Get started by contacting your insurance company or learning more about homeowners insurance.
The amount you'll need to close your loan includes your down payment, closing costs, and prepaid escrow amounts for property taxes and insurance. Prior to closing, you'll be informed of the final amount.
