Refinancing provides great opportunities for homeowners. Through refinancing, it may be possible to lower your monthly mortgage payments, enjoy the security of a fixed-rate mortgage, as well as to consolidate other debt to a lower interest rate and a single payment. Plus, there are three great reasons to refinance today!

1. Historically low rates
2. Government programs that may help you in certain situations
3. Streamlined online refinancing available for existing Wells Fargo Home Mortgage customers

Great news for existing Wells Fargo Home Mortgage customers! Our streamlined online refinance checks your eligibility for government programs, as well as for our current online promotions.
We'll also evaluate your eligibility for any applicable government programs through an online refinance application. We offer:

• No application or appraisal fees
• No closing costs¹
• Loan pricing that is locked once your completed application is submitted²
• Possible streamlined refinance with limited documentation requirements

Note: You'll need to have your loan number and last four digits of your Social Security number handy to start the process.

Not an existing customer?
Explore other refinancing options. Wondering if refinancing makes sense in your situation?
Request a free break-even analysis to see if refinancing is right for you.

Declining property values?
Learn about refinance help from government programs
If your outstanding loan balance is greater than the value of your home, the Home Affordable Refinance Program may be able to help you. This government program may be able to help homeowners refinance even when the outstanding balance is greater than the value of the home.
It's designed for homeowners who:

• Have Fannie Mae or Freddie Mac held or guaranteed mortgage loans
• Are current on their mortgage payments
• Have been unable to refinance their mortgage loans because the home's value has declined
• Have an adjustable-rate mortgage (ARM), interest-only or balloon mortgage

¹ Closing documents must be witnessed and notarized. You may need to pay a minimal fee to a notary public.
² Completing an application does not guarantee either your eligibility for this loan or your loan's pricing. Your eligibility for these loan terms may be affected by a number of factors, including an insufficient appraised value, credit, flood and title reports, if required, and the verification and accuracy of the information you have provided.
Equal Housing Lender

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