Helpful homebuying loan programs and resources

From tips for first-time homebuyers to loan programs for union members, we're here to help you feel more confident about the mortgage loan process.

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How homebuyer education can prepare you for becoming a homeowner

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Understanding and improving your credit score

Wells Fargo resources

Frequently asked questions about mortgage loans and homebuying.

Helpful tips and information for first-time homebuyers.

Mortgage calculator and other helpful tools.

Additional closing cost credit may be available.

Wells Fargo loan programs to help homebuyers

Dream. Plan. Home. Mortgage

Put as little as 3% down on your fixed-rate mortgage.1 With a low down payment, mortgage insurance will be required, which increases the cost of the loan and will increase your monthly payment.

We'll explain the options available, so you can choose what works for you. Talk with a home mortgage consultant about loan amount, type of loan, property type, income, first-time homebuyer, and homebuyer education requirements to ensure eligibility.

Learn more

The Corporate Mortgage Benefit program

Mortgage loan closing award worth $500 for employees of many Fortune 1000 companies who mention their eligibility.2

Ask your Wells Fargo Home Mortgage consultant for more details.

The Union Plus® Mortgage program

Special benefits and a mortgage loan closing award worth $500 for verified active and retired union members and their families who mention eligibility.2

Learn more

Want more information about the homebuying process?

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Find a Wells Fargo Home Mortgage consultant near you to help

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1. The Dream. Plan. Home.? mortgage is designed for consumers with income at or below 80 percent of the area median income (AMI) where the property is located.

2. Eligible individuals will be sent redemption instructions for the My Mortgage Gift? award approximately two weeks after closing on a new purchase or refinance loan secured by an eligible first mortgage or deed of trust with Wells Fargo Home Mortgage (“New Loan”), subject to qualification, approval, and closing. The My Mortgage Gift award is not available with The Relocation Mortgage Program® or with any Wells Fargo employee mortgage offer. Only one My Mortgage Gift award is permitted per eligible New Loan. This award cannot be combined with any other award, discount, or rebate, except as described in the Terms and Conditions. This award is void where prohibited, transferable, and subject to change or cancellation with no prior notice. Awards may constitute taxable income. Federal, state, and local taxes, and any use of the award not otherwise specified in the Terms and Conditions (also provided at receipt of award) are the sole responsibility of the My Mortgage Gift recipient.

Customers can work with any NeighborhoodLIFT program-approved lender for their home financing needs.

The amount of down payment assistance varies by area.

Combined income for all borrowers on the loan cannot exceed the program income limits.

Down payment assistance cannot be used to purchase bank-owned properties managed by Wells Fargo Premiere Asset Services.

Customers must complete an approved homebuyer education program prior to requesting down payment assistance funds.

The NeighborhoodLIFT® program is a collaboration between Wells Fargo Bank, N.A., Wells Fargo Foundation, and NeighborWorks® America, an independent nonprofit organization.

Employees of Wells Fargo and NeighborWorks America are not eligible to participate in the LIFT programs. This limitation also applies to an employee's immediate family, including spouses and dependent children, where the employee would have beneficial ownership of the property purchased using the assistance.

Information is accurate as of the date provided and is subject to change without notice.