Loan Programs

Examples include:

VA - Helping Those Who Serve To Own A Home
As someone who served our country, we salute your dedication - and financial goals. At Wells Fargo Home Mortgage, we provide a VA loan program that alleviates barriers and enables you to:

• Purchase a home with little money down
• Overcome credit challenges, including a limited or less-than-perfect credit history, for qualified applicants
• Qualify with the help of a family member or friend as your co-signer

FHA - Features That Fit Your Needs
Whether it's your first home or your fourth - a Wells Fargo Home Mortgage FHA loan may be the sound foundation of your financial plan.

• Flexible credit and income-qualifying guidelines
• Down payments as low as 3% and no mortgage payments held in reverse
• Gift funds may be accepted for a down payment
• Approved Downpayment Assistance Programs may be available for qualified borrowers

Builder Best® Program - Enjoy Extra Value And Extended Peace Of Mind When Building Your Home
Watching your new home take shape can be a rewarding experience. And knowing when to lock in interest rates can give you added peace of mind. That's why you can count on the construction financing specialists at Wells Fargo Home Mortgage. Our exclusive Builder Best® program provides you protection from market fluctuations while your new home is being built:

• If interest rates go up, you are protected for up to two years¹ with our expanded rate lock-in option
• If interest rates decline, exercise your onetime- float-down option to a new, lower rate²

Construction/Perm Advantage^SM Program - If You're Ready To Break Ground, So Are We!
Building a new home may seem like a complicated process - but financing it needn't be! There's less financing red tape with our Construction/Perm Advantage^SM program. It can help you buy the land, close your construction loan and secure permanent financing all at the same time - with just one application, one approval process and one appraisal. When you work with Wells Fargo Home Mortgage, you receive personal start-to-finish service. And with our broad range of new construction programs, we'll tailor a solution to meet your specific needs.


As a home mortgage consultant with Wells Fargo Home Mortgage, the nation's leading retail mortgage lender, I can tailor a home financing program to meet virtually any homebuyer need.

Whether you're looking to buy your first home, a second home or an investment property, I'll listen to your goals and help you choose the financing solution that fits your current needs and future goals.

I'm ready to give you the personalized service and attention you deserve to help you realize the rewards of homeownership.

Call me today!



1. A non-refundable closing cost commitment deposit will be required for a lock ranging from 3 months to 12 months on qualified products. An extended lock/commitment fee may be required for a lock ranging from 4 months to 24 months on qualified products. Due to daily pricing variations between products, you are encouraged to work with your Wells Fargo Home Mortgage Consultant to ensure that pricing available on the Builder Best lock feature that you choose is the most advantageously priced Builder Best lock feature for you. 2. Change of loan product, change in loan-to-value ratio, float down or re-lock of rate will require underwriting approval. One-time-float-down option is available within 60 days of closing to any Lender program or re-lock your existing product at the current available price range. Re-lock is not allowed within 30 days of the original lock. If re-lock period exceeds 60 days, applicable extended lock fees will be assessed. Information is accurate as of date of printing and is subject to change without notice. Wells Fargo Home Mortgage is a division of Wells Fargo Bank, N.A. © 2008 Wells Fargo Bank, N.A. All Rights Reserved. #57329 5/08-8/08. Equal Housing Lender.