Own It.Then Make It Your Own.

The Purchase & Renovate^SM or the Refinance & Renovate^SM loan

Our renovation programs offer financing that enables you to immediately turn the house you just bought into the home you always wanted. Add a bath, cook up a new kitchen, repair, renovate or extend - all with a single loan at attractive first mortgage rates. With experience, knowledge and a dedication to excellent customer service, we can tailor a program for you to help your two-fold dreams come true.

BUILT IN SAVINGS MAKE IMPROVEMENTS MORE AFFORDABLE

• More Money - The loan amount is based on the increased value of your home after the improvements have been made
• Lower Monthly Payments - Purchase and improvements are financed simultaneously, so renovation costs are spread out through the entire term of the loan
• Tax Savings - Interest on renovation costs is included in the first mortgage, so it may be tax deductible*
• Speed - Renovation can begin immediately after closing
• Single-close Simplicity - Just one application, one set of fees and closing costs, one monthly payment
• Flexibility - No required improvements or restrictions on repairs; luxury items such as pools and spas may be included
• Options - Fixed- and adjustable-rate programs

Make the renovations you want -- now!

*Consult your tax advisor regarding deductibility. 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.