Thinking of Building a New Home?

Benefit From Today's Advanced Methods
and Technologies

Greater Safety

• There is less risk of fire in today's new homes
• Central heating systems and better insulation offer efficiencies
• Many new homes have hard-wired smoke detectors, with battery powered backup
• Wiring systems have been improved, and new homes have more outlets

Easier Maintenance

• Many new homes are constructed with siding, windows and trim materials that never need painting
• New roofing materials are denser, longer lasting and many have fire-retardant features

Structural Strength

• In areas subject to inclement weather or earthquakes, builders now use extra bracing and framing systems to better withstand exterior stress
• Soils are tested and foundations engineered to resist or accommodate movement
• New drainage devices collect rain from gutters and slopes, then deliver water directly into storm drains
• Roof and floor trusses enhance structural strength and create new interior design options

Better Health

• Today,asbestos and lead have been completely eliminated from materials used in new construction
• Formaldehyde emissions from products such as particleboard and plywood have been substantially reduced
• There are now control systems for areas where radon could be a potential problem.

We're ready to help! With our range of affordable, new construction financing programs - including Builder Best^SM, Construction/Perm Advantage^SM,Market Option Plus^SM - your new home building plan will go smoothly:

• Loans to $1-million
• Low start rates help you qualify for more home
• Loan pricing protection for up to one year
• Flexible disbursement schedules to keep your construction phase running smoothly

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.

Protection from Rising Rates.
Access to Declining Rates.

Have it All with Our Builder Best^SM Program

Enjoy extra value and extended peace of mind when building your home

Our Builder Best^SM program features easy occupancy requirements for the construction or renovation of a residence.

It's a Win-Win Situation:

If interest rates go up during the construction process, you are protected.

If rates decline, you may exercise your one-time float down option to the new, lower rate* We offer a broad range of programs to help you achieve your goals including Construction/Perm Advantage^SM, Market Option Plus^SM and more! With a dedication to excellent customer service, we can tailor a program to your needs.

• Accommodating - Financing for the purchase or renovation of a primary or second home
• Large Loan Amounts - To $1 million on intermediate adjustable-rate mortgages
• Low Start Rates - Rate/payment is fixed for initial term - that helps with budgeting
• Security - The safety of locked-in rates and price for 90, 120, 150 or 180 days at no additional cost
• Extended Safety - Expanded lock-in option up to one year**
• Smooth Sailing - Flexible disbursement schedules help keep your construction phase running efficiently

*Change of loan product, float down or re-lock of rate requires underwriting approval.One-time float down option is available within 60-days of closing to any non-Builder Best program; re-lock is not allowed within 30 days of the original lock. If re-lock period exceeds 60 days, applicable extended lock fees will be assessed. **For a fee.

Building a New Home?
Making Major Renovations?

We've Simplified Your Financing from the Ground Up

With our Construction/Perm Advantage^SM program, you need less time - and money - to finance your custom-built dream. Plus, you enjoy the benefit of getting your loan from an expert who specializes in the construction process. So every step goes smoother.

We offer a broad range of new construction programs to help you achieve your goals including Builder Best^SM, Market Option Plus^SM and more! With a dedication to excellent customer service, we can tailor a program to your needs.

SIX STEPS - START TO FINISH

1. Select your builder
2. Apply for a Construction/Perm Advantage^SM two-in-one loan
3. We work with your builder to coordinate program participation, and keep you informed about construction and permanent loan approvals
4. Your construction loan closes, using documents your builder may pre-sign. Work on your home can begin immediately
5. Funds are disbursed on a flexible schedule, as construction or improvements are completed
6. Your permanent loan closes (through document modification whenever possible), any remaining permanent loan costs are collected and your construction loan is paid in full from the permanent loan funds

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.