Home Loans

30-Year Fixed Rate

Interest Rate

Annual Percentage Rate

View Rates and Assumptions

Customize Your Rate and Payment

Your Home Team

We're with you every step of the way

Dedicated support.

We provide you with a knowledgeable team of loan experts to help you through the home loan experience, from application to close.
Communication options.

You choose how you'd like to be contacted: by phone or email.
Frequent updates.

We check in with you regularly to answer any questions you may have along the way and ensure you meet your closing date.
Online access.

Manage all your loan-related documents from any device. It's quick, convenient and secure.

Let's Talk

Give us a call now

1-855-256-2559

Monday - Friday, 8 am - 8 pm

Request a call

Give us a little information and a home loan advisor will call you to discuss your options.

Take the Next Step

How it Works

Know what to expect ahead of time

Buying a home is a big investment. Before setting your sights on a home, you should
have an idea of how much you can spend.
See What You Can Afford

1. Meet your Home Team and apply
Meet your Home Team and apply

We’ll connect you with a team of loan experts who will guide you through the process. This means you’ll have a loan advisor, loan coordinator and closing coordinator with you every step of the way. After you reach out, we’ll introduce you to a licensed loan advisor who will look at your information and let you know how much you may qualify for.
Our responsibilities

Help you understand your options

Start your application
Your responsibilities

Be responsive to phone calls from us

Know your credit history, financial goals and what you're looking for

Select a property and make an offer
It takes 5 minutes to get started. Take the Next Step
2. Submit documents
Our responsibilities

Provide status updates

Introduce you to the appraisal company and set up an appointment

Review your documents
Your responsibilities

Upload, review and sign documents

Pay appraisal company
This usually takes 1-2 weeks, but the faster you get your documents to us, the faster we can finalize approval.
3. Underwriting
Underwriting

This is when we look at everything you sent us and make a final decision on your loan. Your loan coordinator will provide an update every few days so you'll always know where your loan stands.
Our responsibilities

Confirm documents and review appraisal

Finalize approval

Provide rate and loan term options
Your responsibilities

Submit additional documents if needed

Lock in your rate if you haven't already
It usually takes 2-3 weeks to make sure your documents are accurate and your application is complete.
4. Closing day
Closing day

You'll meet with your real estate agent and closing agent to review and sign your closing documents. Depending on your state, you may also meet with your lawyer, the seller or the title company – but we'll let you know exactly who will be joining you as the day gets closer.
Our responsibilities

Prepare closing documents

Confirm your closing date and time

Coordinate with title office
Your responsibilities

Review and sign your closing documents

Pay closing costs if necessary
Expect to spend 1-2 hours at closing.
5. After you close

Today's Rates

Get the home you want, on your terms

Term

Fixed Rate Mortgage

Adjustable Rate Mortgage

Details

Crunch the Numbers

Estimate your home-buying budget with our affordability calculator.

We're unable to show you our rate and payment options right now. Please check back later.

Our Annual Percentage Rates (APRs) are accurate as of NN/NN/NN and can change daily. This information reflects rates for borrowers with excellent credit in the state of California and a $300,000 conventional loan with 20% down for a single-family home in that state. The monthly payment amount we show doesn’t include taxes or insurance and assumes NNN monthly payments for a NN. View Jumbo Loan Options View Conventional Loan Options

30-Year
Monthly Payment	Points	Interest Rate	APR

Crunch the Numbers

Estimate your home-buying budget with our affordability calculator.

See How We Compare

Find the loan that's right for you

Finding the right loan involves more than looking for a good interest rate – you want to work with a lender who can help you understand how things like points, closing costs and your credit score all impact your monthly payment. All rates shown here (even ours) include approximately 1 discount point. You can go to a competitor website for more details on points charged on a specific rate. View Jumbo Loan Options View Conventional Loan Options

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Wells Fargo ®
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FAQs

We have answers

Every situation is different, but when we review your home loan application, we look at your:

Credit score. This is determined by things like payment history and how long you’ve had credit. We’ll use this number to figure out how likely you are to pay back your loan and what interest rate you'll get.

Debt-to-income ratio. This percentage is your total monthly expenses divided by your gross monthly income.

Down payment. This is the amount paid up front when you purchase a home and isn't part of the loan. The higher the down payment, the less risky you seem to a lender – which could mean a lower interest rate, too.

Employment history. We want to make sure you’ll be able to afford your home, so proof of income is important.
Was this helpful?
We offer different types of terms to fit both new loan and refinancing needs, but you should speak with one of our licensed home loan advisors to see what's right for you. Once they know more about you and what you're looking for, they'll help you understand all the options. Get Started
Was this helpful?
Your rate is based on today's mortgage rates and current housing market, but we also factor in your credit score, property location, loan amount, type and term to get you a personalized, up-to-date rate.
Was this helpful?
Yes. Fannie Mae’s HomeReady mortgage program is designed to help first-time buyers and those who have limited down payment funds or unique circumstances.

The details

Standard loan terms. 25-year or 30-year fixed rate terms available.
Flexible down payment options. You may be able to put as little as 3% down with the potential to save on Private Mortgage Insurance.
Homeownership education course. To help set you up for financial success, you’ll need to complete an online education course as a requirement for your loan.

Our home loan experts can help you understand all your options and answer any questions you may have about buying your first home. Request a Call Back
Was this helpful?
After you contact us, we'll have a licensed home loan advisor give you a call to learn more about what you're looking for. We'll help you understand your options and can get an application started over the phone.
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Still have questions? Visit our Help Center.

Home Loans

Dedicated support.

Communication options.

Frequent updates.

Online access.

Let's Talk

Request a call

Meet your Home Team and apply

Our responsibilities

Your responsibilities

Fixed Rate Mortgage

Adjustable Rate Mortgage

Details

Crunch the Numbers

Crunch the Numbers

What to Prepare

We’ll usually ask for copies of your:

Other documents we may need: