Ask about our Emerging Markets program for first-time home buyers.

Our Emerging Markets department is dedicated to increasing homeownership among America's low-and moderate-income populations. One out of every five Wells Fargo Home Mortgage loans is to homebuyers whose income is less than 80 percent of their area's median income.

No Money Down Plus^SM Mortgage

Just how low can a down payment go?

The Wells Fargo No Money Down Plus^SM mortgage allows borrowers with excellent credit to finance up to 100% of the price of their home, plus another 3% to cover fees and closing costs, for a total maximum loan value of 103%¹. It's a smart choice for buyers whose savings are limited or for those who prefer to invest their money in other assets. With a No Money Down Plus^SM loan, the wait for your new home is over!

The No Money Down Plus^SM loan offers:

• 103% Financing - Finance the entire puchase price of the property, plus closing costs and prepaids².
• Financing options - Choose from a number of Wells Fargo Home Mortgage's fixed-rate financing options.
• Special qualification guidelines - Qualify with no maximum income restrictions.

¹ Maximum loan amount is $322,700.

² Prepaids are closing costs related to the mortgage loan which are collected at loan closing - including per diem pre-paid interest and initial deposits of monthly escrows of taxes and insurance.

This 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. © 1999-2005 Wells Fargo Bank. All rights reserved.

VA Home Loans

No Down Payment. Easier Qualifying. More Approvals.

We understand how difficult it can be to afford a first home or to make the step up to a larger one. Our VA home loan program smoothes the way for qualified veterans, active-duty personnel and reservists.

• Less Cash Needed - Up to Low & No Down Payment
• Accomodating - No income limits, allows a higher percentage of income to go towards mortgage payment, and expanded credit guidelines
• Seller Contributions - Allows sellers to contribute toward closing costs up to 4%
• Lower Costs - Typically lower cost compared to standard, conventional financing

This 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. © 1999-2005 Wells Fargo Bank. All rights reserved.