Personalized Mortgage Solutions, An Unmatched Array of Options and Superior Service

For close to a century, Wells Fargo Home Mortgage, formerly known as Norwest Mortgage, has been dedicated to helping people at all stages of life achieve the American dream of homeownership. No matter where you live or plan to move, convenient access to home financing service is yours at more than 1,700 mortgage stores and Wells Fargo bank locations in all 50 states. We provide funding for approximately one of every 8 American homes¹ financed annually and service loans for more than 4 million customers. Over half of the Fortune 100 companies choose us for their employee relocations.

Wells Fargo Home Mortgage, a leading originator and servicer of residential mortgages, ranked:

• #1 Retail Mortgage Originator²
• #1 New construction lender³
• #1 Remodel loan lender
• #1 Originator of FHA/VA loans²
• #1 Lender to low-to-moderate income homebuyers
• #4 Lender in correspondent Business²

Due to our extensive national network with its knowledge of local property values, links to real estate professionals and builders in their chosen communities, we give a buyer's edge to people:

• Buying their first home
• Looking for more space for a growing family
• Trading up to a larger property
• Relocating for professional reasons
• Downsizing for retirement
• Searching for an investment property

Our Parent Company

Wells Fargo Home Mortgage is a subsidiary of Wells Fargo Bank, N. A. (Wells Fargo California) (NYSE:WFC). An American icon since 1852, Wells Fargo has $218 billion in assets, 17 million customers and 103,000 employees. Ranked America's #1 most admired super-regional bank (Fortune magazine, February, 2000) and the #2 most admired commercial bank globally (Fortune magazine, September, 1999), Wells Fargo is dedicated to the goal of becoming the premier financial services company in North America by helping their customers' achieve their financial destinations.

Making Home Ownership Possible for All Americans

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.

¹ Based on 2002 year-end statistics by Inside Mortgage Finance, 12/31/02

² Based on 2002 year-end statistics by Inside Mortgage Finance, 2/14/03

³ Based on 2002 year-end Marketrac report

Wells Fargo Home Mortgage, originates mortgage loans in New Hampshire under License No. 5757 MB for first mortgages and License No. 5768 MHL for second mortgages and is a New Jersey Department of Banking Licensed Mortgage Banker.