Buy Your First Home

First-time homebuyer loans, education, and more

Choice of loans and programs. Local home mortgage consultants. Great technology. If you're looking for first-time homebuyer programs, you can count on Wells Fargo.

Find a loan or program

Don't have a lot to put down? Want interest rate flexibility? We've got first-time homebuyer loans covered. Here are some ideas to get started:

  • Low down payment mortgage options. Eligible buyers can purchase a home with as little as 3% down on a mortgage. Talk with a home mortgage consultant to discuss loan amount, loan type, property type, income, first-time homebuyer, and homebuyer education requirements to ensure eligibility. With a low-down payment loan, 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.
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  • Fixed-rate and adjustable rate mortgages. Whether you plan on staying in your home forever or only for a while, you have options.
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  • Builder Best® Extended Rate Lock program. With a required, non-refundable extended rate lock fee, buyers can lock in a range of interest rates for 6 to 24 months.
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Compare your loan options >

Work with your home mortgage consultant

Work with us any way you want — in person, by phone, email, and online. Your Wells Fargo home mortgage consultant, and our other home loan professionals, will help you:

Get ongoing support

Simplified online application

Track the progress of your loan, upload documents, even sign select documents. All online, from your computer, smartphone, or tablet. Talk to your home mortgage consultant to see if the online application is available for your loan.

Ongoing support

When you close on your home, you open more doors. Having all your accounts in one place, flexible payment scheduling, easy online access — these are only a few of the services you get with Wells Fargo.

Learn more at your Home MattersSM

 Did you know? 

We're a leading home loan servicer.  We're here to support you for the long haul, before and after you close. Learn more
We can help you unlock your loan options. Start by getting prequalified. Get Started

Wells Fargo Difference

  • Experience — we're a leading mortgage lender.
  • Your team — helps you find the right loan and bring you to close.
  • Simplified online application — online application management for eligible loans.
  • Ongoing support — here for you even after you get the keys.

Learn more