Wells Fargo Home Mortgage Consultant - Steve Chen

Sales Manager, Private Mortgage Banking

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Office Phone

(408) 805-1888(408) 805-1888

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NMLSR ID

714948

Meet Steve Chen

Having a deep knowledge foundation of the financial industry has paved the way for me to become one of the most highly reputable mortgage loan originators throughout the Bay Area and its surrounding communities. With over 15 years at Wells Fargo Home Mortgage, my team & I pride ourselves in providing top notch customer service as well as identifying the best loan programs for our clients to make their homeownership goals a reality, including helping homeowners evaluate refinance opportunities to lower payments, reduce long term interest costs, or better align their mortgage with changing financial goals. Whether you're a first-time home buyer, looking to trade up, downsize, or a current homeowner exploring refinancing options, we are here to help you every step of the way. Many of my clients continue to work with me over time to review refinancing opportunities as market conditions change, trusting my guidance to help them make informed decisions that support long term financial success. Reach out to me today to find out how we can make your home-ownership dreams come true. I look forward to working with you.

•Over $5 billion in mortgage loans funded since 2011
•Helped over 5,000 families achieve their homeownership dreams
•Ranked Number 1 of Wells Fargo Private Mortgage Bankers in national total volume YTD in 2025
•15-time Wells Fargo Home Mortgage President's Club honoree (2011–present).
•Knowledgeable in Restricted Stock Units Income/Foreign Fund Usage

Languages

Chinese, Mandarin

My Locations

Wells Fargo Home Mortgage

333 W El Camino Real

Sunnyvale, CA, 94087

Relationship benefits

You may qualify for a closing cost credit or interest rate discount based on eligible new and existing assets with Wells Fargo.¹

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Buying a Home?

Because home is where memories are made, a $10,000 home down payment grant could help make homeownership possible.²

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Mortgage calculators and tools

Check Rates

See rate and APR information for popular loan types.

Purchase Prequalification

See how much home you may be able to afford.

Refinance Rate Quote

See if refinancing could be the right move.

Frequently Asked Questions

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 a 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.
When you work with Wells Fargo Private Mortgage Banking and Wells Fargo Private Bank, you’ll enjoy the power of teamwork with a focus on you. Our strong partnership with The Private Bank means you’ll receive personalized attention to help align your homeownership and wealth management financial goals today and into the future.

As a private mortgage banker, I’m here to discuss more complex home financing situations and asset management strategies. With local market experience, we offer competitive financing options for primary, second, vacation, and investment properties.

Our underwriting and support teams focus on providing the superior customer service you expect before, during, and after any transaction you close with us.

Ask me about home financing options that can help you manage your wealth, grow your assets, and achieve your financial goals.

Wells Fargo Private Bank provides products and services through Wells Fargo Bank, N.A. and its various affiliates and subsidiaries. Wells Fargo Bank, N.A. is a bank affiliate of Wells Fargo & Company.

Meet my Associates

You'll have a dedicated team ready to guide you every step of the way – from application through closing.

Veronica Chow - 680646 - Wells Fargo Home Mortgage

Mortgage AssistantNMLSR: 680646

(408) 328-2125(408) 328-2125

Brenda Wong - 633094 - Wells Fargo Home Mortgage

Mortgage AssistantNMLSR: 633094

(408) 328-2109(408) 328-2109

Will Li - 1103486 - Wells Fargo Home Mortgage

Private Mortgage BankerNMLSR: 1103486

(408) 466-7545(408) 466-7545

Visit my site

Michelle Chang - 1795337 - Wells Fargo Home Mortgage

Mortgage AssistantNMLSR: 1795337

(408) 328-2117(408) 328-2117

Sarah Sun - 1633551 - Wells Fargo Home Mortgage

Private Mortgage BankerNMLSR: 1633551

(408) 332-6066(408) 332-6066

Visit my site

Sara Zhang - 2413209 - Wells Fargo Home Mortgage

Mortgage AssociateNMLSR: 2413209

(408) 403-5732(408) 403-5732

Why Choose Wells Fargo?

A personalized experience that puts you first

You’ll have the knowledge and experience of a home mortgage consultant and a dedicated team supporting you every step of the way to make your home loan process as seamless as possible.

Help where you need it

Access the tools and guidance you need to take your next step, whether it’s checking rates, calculating what you can afford, or getting preapproved to help you shop with confidence.

A simple online process

Our online mortgage application process lets you connect with your existing financial accounts, manage tasks, and easily upload select documents. To determine which features of the online application are available with your home loan, talk to a home mortgage consultant.

Ongoing support

It doesn’t end when you get the keys – we’re here for you as you grow into your new home and navigate the future.