When it comes to rating my top 5 choices in conforming mortgage lenders, Wells Fargo comes in 3rd place. I like them for generally good interest rate pricing, and excellent programs. What they lack are option-arms (low interest rate adjustable “hybrid"programs) but they make up some ground for having a solid name, ethics, and good pricing on interest rates.

One nifty product that Wells Fargo Mortgage offers is called a Home Asset Management Account. This product is a first position line of credit which allows the homeowner to access his equity for the first 10 years of the mortgage. Wells Fargo even offers your equity to you in the form of a Visa Card. 

Another distinction that Wells Fargo offers is a mix of stated income products. Stated income affords the borrower the opportunity to “state” an income, but not have to prove it. Times when this is a helpful option are: divorce, job change, self employed situation and a variety of others.

Wells Fargo is a name that is recognized and they make loans in all 50 states. I recommend Wells Fargo in many situations.