Wells Fargo Home Mortgage Consultant - Joel Baker

When you work with Wells Fargo, you’ll have the knowledge and experience of a home mortgage consultant and technology developed with a focus on you.

Our digital tools help simplify the home loan process, whether you’re using a computer or a mobile device. We even offer a secure way to pull income and other financial information into your application from other banks or lenders.

Our system lets you move forward when and where it’s convenient for you. You’ll know where you stand and what you need to do next. Securely upload documents, pay any upfront fees, check your application status, monitor progress, and sign select documents electronically – all part of the way we use online processes to make things convenient for our customers. To determine which features of the online application are available with your home loan, talk to your home mortgage consultant.

And our support doesn’t end when you get the keys. We’ll be here for you after you close, with the tools and resources you need to manage your mortgage and move into your tomorrow.

Mortgage costs for a purchase home loan typically include your down payment, closing costs, and prepaid escrow amounts for property taxes and insurance. Throughout the process, we keep you informed and explain your specific costs to help ensure there are no last-minute surprises.

When submitting a mortgage application for a specific property, you’ll receive a loan estimate within three days to give you a better idea of how much you need to pay in closing costs.

If you’re wondering about upfront fees, these could include appraisal and extended rate lock fees although they’re not required with all loan programs. Let’s talk about what would be needed in your case.

In general, closing costs are 2 to 5% of your home purchase price, paid by you, the home seller, or the lender. You may be able to use monetary gifts from family for all or part of your closing costs.

I can answer any questions you may have about your specific situation.

The length of time it takes to process and close a loan varies, depending upon a number of factors. Appraisals, information requests, title searches, builder schedules, home inspections, and repairs can all affect the time it takes to close your loan.

You can keep things moving along by responding promptly to any requests for information and completing tasks on time.

Let’s talk about your specific situation to give you a better idea of time frames.

As your local community home mortgage consultant, I specialize in down payment assistance and closing cost credit programs available through non-profit organizations and others in our area.

With home financing options that put you first, I can help you with programs that allow you to buy your first home, move up to your next, or even downsize for a lifestyle change.

Talk to me about special opportunities for purchasing or refinancing a home in our local community.