Home Asset Management^SM Account

You Want a Mortgage that Aligns with Your Overall Financial Goals?

We Can Help You Manage Your Home Like the Asset it Is

Working with a leading residential mortgage lender* means you have access to among the broadest range of programs in the industry – plus the expertise to help you select just the right financing program to align with your overall financial goals.

If you’re looking to focus your assets on other obligations or opportunities, look to us for innovative programs that keep you fully leveraged, including our innovative Home Asset Management^SM Account, fixed- and adjustablerate mortgages (ARMs) and more.

• Larger Loans – High loan-to-value ratios (up to 95%) and financing programs (to $3 million**) accommodate a wide range of needs
• Asset-preserving – Interest only payment options for those who want to stay fully leveraged
• Refinance Flexibility – Cash-out your equity (up to $400,000)

*Based on information from Inside Mortgage Finance as of 1/25/02. Restrictions apply. **Home equity Super Jumbo Interest-Only lines of credit are available through Wells Fargo Home Equity a division of Wells Fargo Bank, N.A., Member FDIC and Equal Housing Lender. Home equity Super Jumbo Interest-Only lines of credit are not offered on property located in the state of Texas. Maximum line amounts vary depending upon Wells Fargo Home Equity’s evaluation of borrower credit rating, property type and combined loan-to-value.

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.

Wells Fargo SmartPay Home Financing Plus^SM Maximizes Your Options

APR as low as 3.24% variable*

.375% below prime for lines from $200,000 to $274,999

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.75% below prime for lines from $275,000 to $500,000

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.75% - 1.01% below prime for lines from $500,001 to $3 million

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Make your home purchase without passing up other smart purchase or investment opportunities.The exclusive Wells Fargo SmartPay Home Financing Plus^SM* helps you command optimal cash flow. Plus the all-interest payments can offer significant tax advantages**.

Take Better Control of Your Finances

We're ready to help. With a broad range of programs and a dedication to excellent customer service, we can tailor a program to your needs.

• Increased Affordability - Interest only options allows you to qualify for more house and/or minimize monthly payments
• Accommodating - First or second mortgage for primary residence and second home financing
• Flexibility - Can be used as bridge loan financing
• Loan Amounts - From $200,000 - $3 million
• Simplicity - Standard and limited documentation options - for complex income/asset verifications, self-employed and those who want privacy regarding finances
• Lower Costs - No private mortgage insurance required above 80% loan-to-value

*The Wells Fargo SmartPay Home Financing Plus program is available through our affiliate Wells Fargo Home Equity, a division of Wells Fargo Bank, N.A. The Wells Fargo SmartPay Home Financing Plus program is not available on properties located in the state of Texas. Minimum line amount is $500,001 to a maximum of $3,000,000 depending on Wells Fargo Home Equity's evaluation of borrower credit rating, property type and combined Loan-to-Value. Start rates are available as of the date of printing, subject to change without notice.

**Clients should consult tax advisor regarding deductibility.

The Annual Percentage Rate (APR) varies monthly during the ten-year draw period, and margins vary by market. The Index is the highest Prime Rate published in The Wall Street Journal Money Rate Table. The Index as of July 1, 2003 was 4.00%, resulting in margins of -.75% to -1.01% and APR from 2.99% to 3.25%, subject to a floor rate of 3.24%.The APR shall not exceed 12%. Your interest-only payments will be due monthly. Opening fees and costs for the Wells Fargo SmartPay Home Financing Plus program range between $750 and $13,000 and vary depending on the state in which the property is located and the amount of the credit extended. These fees may be paid to Wells Fargo, it's affiliates or third parties as necessary to obtain secured credit. During the ten-year draw period, your account balance may not fully-amortize and a balloon payment will be due at maturity. Property insurance is required.

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.

Adjustable Rate Mortgages

Ask about our interest-only adjustable rate mortgages