Large dog sticking head inside house through doggy-door with a small dog sitting inside.

Get home with 3% down

You could put as little as 3% down on your fixed-rate mortgage.

Get customized content below for wherever you are in the homebuying journey:

Calculators and resources

Find a local home mortgage consultant:​


Tips first-time buyers wish they had known

Save for extra costs.

If the seller doesn’t pick up the closing cost, you could pay between 2% and 5% of the total mortgage value. There are also appraisals and inspections, so anticipating extra costs can help you save enough to cover them.

Your credit score counts.

You may improve your credit score by keeping your balances low—a general guideline is to stay below 30% of your total available credit.

Find the right price range.

Calculate your debt-to-income ratio to understand your ideal price range. Like your credit score, debt-to-income is a key factor lenders consider when evaluating your loan application.

Think about life after you buy.

Set aside 1% to 2% of the purchase price of your home every year for routine maintenance projects— from chimney cleaning to roof inspections.

A simpler way to apply

Whether you apply online or with our home mortgage consultants, we’re here to help with:

Simple, secure online application that imports Wells Fargo account information1

The ability to connect to accounts at other banks

Guidance to help navigate the homebuying process

3 steps to apply

Our home mortgage consultants are here to help you every step of the way.

We’re here for you on your homebuying journey

Whether you’re buying your first home or you’ve gone through it before, our home mortgage consultants can:

Match you with the best options for your situation and needs

Help you with your mortgage application

Answer questions about rates, appraisals, title reports, and more

Ready to get started? We’ll get you home.

Apply for a Mortgage

Blend Labs, Inc. ("Blend") hosts the online mortgage application for Wells Fargo.

Or connect with a home mortgage consultant to learn more.

Find a local consultant

Call us at 1-877-432-4173

Have a consultant contact you

For Wells Fargo customers who use their Wells Fargo Online® username and password at the start of their application.

Apply for Mortgage