Wells Fargo · Bank
Wells Fargo
Review published mortgage options and requirements, then request a personalized quote from the lender.
Key borrower, credit, property-use and reserve requirements have not been verified for this selection.
Our take: Pros & Cons
What we like
- Mortgage consultants available through the official locator
- Fixed-rate low-down-payment and qualifying VA options are described by the lender
What to consider
- Income, assets, credit and property are evaluated
- Low down payments may require mortgage insurance
- Eligibility differs by loan program; confirm with a mortgage consultant
AI-generated lender-level assessment based on published information. Not a verified assessment of Wells Fargo Fixed-Rate Home Loan; confirm program-specific conditions below.
Newcomer requirements
Wells Fargo Fixed-Rate Home Loan
Fit not assessed · Check fit
Verified published requirements for this program. Rate-example assumptions are separate and do not establish eligibility or approval.
- Employment documentation
- Income — Look at your employment history and proof of income to make sure you can comfortably afford the loan’s payments
- Property restrictions
- Property — Assess the value and condition of the property you plan to purchase to ensure your loan amount is appropriate
View full lender requirements
- Employment documentation
- Income — Look at your employment history and proof of income to make sure you can comfortably afford the loan’s payments
- Property restrictions
- Property — Assess the value and condition of the property you plan to purchase to ensure your loan amount is appropriate
- Other conditions
- Assets — Verify you have the funds for the down payment, closing costs, and any unexpected initial home expenses
Questions to confirm with the lender (14)
These requirements have not been verified for this program:
- SSN
- ITIN
- U.S. credit history
- Foreign credit history
- No credit history
- Residency / visa
- Minimum credit score
- Minimum down payment
- Income documentation
- Foreign income
- Foreign assets
- Reserves
- State restrictions
- Occupancy
Requirements last reviewed: Oct 28, 2026 · Official requirements source
Rates and costs
Wells Fargo Fixed-Rate Home Loan
Rates are available on request
No reviewed advertised rate example is linked to this program.
How to apply
Wells Fargo Fixed-Rate Home Loan
- Income — Look at your employment history and proof of income to make sure you can comfortably afford the loan’s payments
- Confirm the program's identity, residency, credit and property requirements with the lender.
- Use the official application channel to request pricing for your actual scenario.
- Review the lender's written Loan Estimate, including costs and cash to close.
Published eligibility and availability do not guarantee approval. Confirm membership, relationship, property and occupancy conditions with the lender.
Sources and methodology
About this lender
Wells Fargo home mortgages, with lender review of income, assets, credit and property, and access to local mortgage consultants.
Legal lender: Wells Fargo Bank, N.A.
Lending channel: Direct lending
Provider type: Bank
Lending channels: Direct lending. Origination status: Not stated.
NMLS identifier: 399801
More lender directory information
Directory verified: 2026-10-28 UTC · Official directory source ↗
Official mortgage terms · Profile reviewed: Oct 28, 2026
- Official lender source · Last checked Not confirmed
What do APR, points, LTV and reserves mean?
- APR
- An annualized borrowing-cost measure that includes interest and certain loan charges. Read it alongside the interest rate and fees.
- Discount points
- An upfront charge expressed as a percentage of the loan amount. Compare the quoted interest rate and the points together.
- LTV
- Loan-to-value: the loan amount relative to the property's value.
- Reserves
- Assets the lender may require you to retain after closing. Requirements differ by program.