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Last Updated: 01/06/2026

Wells Fargo Mortgage Refinance

from Wells Fargo Bank

Last Updated: 01/06/2026

Strongly recommended10 total votes

7 users recommend

2 users are unsure

1 users don't recommend

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Highlights

Community Rating

Strongly recommended

Credit Score Range

Starting at 550

Amount Range

N/A

Loan Term (Years)

15 - 30

Number of Reviews

Wells Fargo Mortgage Refinance Review

Wells Fargo Mortgage Refinance is offered by Wells Fargo Bank (NMLS #399801), a bank founded in 1852 and based in San Francisco, CA. Wells Fargo are available in 50 states and Washington, DC.

Key Takeaways

Origination fees of 2% to 5%. This is on the high end for lenders on SuperMoney's database.
Wide selection of mortgage programs offered. Wells Fargo Mortgage Refinance refinances FHA, VA, jumbo, conforming, and conventional mortgages.
Specializes in single-family homes. Only offers mortgages for single-family homes, but not for multi-family properties or manufactured homes.
Non-standard interest rates available. Wells Fargo Mortgage Refinance offers adjustable-rate mortgages, hybrid mortgages, and fixed-rate mortgages.
Considers personal use and investment properties. Refinancing available for primary residences, secondary homes (e.g. vacation properties), and even investment homes such as rentals.
Poor credit accepted. Even if you have bad or poor credit, you can apply. Borrowers with a credit score as low as 550 are considered.

Wells Fargo Mortgage Refinance Pros & Cons

Pros

Cons

No prepayment penalty.
Considers applicants with poor credit.
Offers financing for single-family homes and townhomes.
Available in all 50 states.

Charges an origination fee of up to 5% of the loan amount.
No co-sign option available.

Wells Fargo Mortgage Refinance FAQ

What is the maximum loan term for a mortgage refinance via Wells Fargo?

The term of a mortgage refinance will impact the cost of your monthly payments. Longer terms will typically reduce your monthly payments but it will also increase the interest you pay. Wells Fargo Mortgage Refinance offers mortgage refinancing with terms ranging from 15 to 30 years.

How long does Wells Fargo take to refinance?

Wells Fargo does not provide details on the average time to close a refinance. However, it typically takes 30 to 45 days to complete a refinance. Of course, a lot depends on the market, the lender, and how long appraisals and inspections take.

Does Wells Fargo charge a mortgage origination fee?

Yes, Wells Fargo Mortgage Refinance will charge a loan origination fee of 2% to 5% of the loan amount .

Does Wells Fargo charge prepayment fees?

No, Wells Fargo Mortgage Refinance does not charge prepayment fees. This means you will not have to pay additional fees if you decide to repay the mortgage early.

What mortgage programs does Wells Fargo offer?

Wells Fargo Mortgage Refinance offers the following mortgage types:

Conventional mortgages: This includes any mortgage that is not insured or guaranteed by the federal government.
FHA: Mortgages insured by the FHA, which usually have less stringent eligibility requirements, but borrowers must pay a mortgage insurance premium. Co-applicants are allowed and you can qualify for a down payment as low as 3%.
Jumbo: Any mortgage with a loan amount above the conforming loan limits set by Fannie Mae and Freddie Mac. As of 2018, the jumbo threshold is $453,100 in most of the United States.
VA: A zero down payment mortgage or a refinance of up to 120% of the home's value for American military members, veterans, and their spouses.

What property usage types does Wells Fargo allow?

Some mortgage lenders restrict the type of usage borrowers give mortgaged properties. Wells Fargo Mortgage Refinance allows the following property usage types:

Primary home
Secondary homes and vacation properties

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Contact

Headquarters

420 Montgomery Street

San Francisco, CA 94104

(800) 877-4833

Visit Site

Email Support

Hours of Operation

Sunday

All Day

Monday

All Day

Tuesday

All Day

Wednesday

All Day

Thursday

All Day

Friday

All Day

Saturday

All Day

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SuperMoney Net Recommendation Score

SuperMoney users strongly recommend this product, giving it a user recommendation score of +60, or 4.2 on a 5-point rating scale.

+60

-1000+100

No one recommends

Everyone recommends

The recommendation score reflects customer satisfaction with a provider. A score of +100 means every customer recommends the provider, while -100 means none of them do. These scores are based entirely on community member votes and are not influenced by partner compensation. SuperMoney removes fake reviews when detected.

Wells Fargo Mortgage Refinance Community Reviews

Would you recommend Wells Fargo Mortgage Refinance to your friends?

Lucas W.

Dec 31, 2025

May or may not recommend

Wells Fargo made my refinance feel organized and stress-free from day one. They clearly explained the costs, timelines, and loan options available to me. I felt confident moving forward because everything was handled professionally.

Liam N.

Dec 31, 2025

May or may not recommend

The refinance process took longer than I expected with very little timeline clarity. Fees were higher than other lenders I compared, which was disappointing. I wish communication had been more proactive throughout the process.

Elijah T.

Dec 31, 2025

May or may not recommend

What I liked most was the flexibility Wells Fargo offered with loan types and terms. Communication was consistent, and there were no surprises along the way. I’d recommend them to anyone looking to refinance with a reputable lender.

Lauren A.

Dec 31, 2025

May or may not recommend

Wells Fargo gave me a refinancing option even when my credit wasn’t perfect. Their team stayed patient, professional, and clear throughout the entire process. Knowing I was working with a trusted national bank gave me real peace of mind.

Jean M.

Dec 31, 2025

May or may not recommend

Refinancing with Wells Fargo felt secure and well-structured from the beginning. They walked me through every option and helped me choose what truly fit my goals. The process was smooth, and I appreciated the bank’s long-standing reliability.

Memoona J.

Dec 23, 2025

May or may not recommend

Refinancing with Wells Fargo feels convenient, especially for existing customers. A lot of the process can be handled digitally, which saves time and reduces the need for extra back-and-forth. Having the ability to manage much of the refinance process through online tools makes things feel more organized and less stressful. This can be helpful for homeowners who prefer handling things digitally instead of paperwork-heavy processes.

Mazhar C.

Nov 25, 2022

May or may not recommend

WELLS FARGO MORTGAGE REFINANCE is actually very good I like them because they have flexible loan terms, and you can decide to change your loan term when you feel like , and you have the opportunity to reduce your monthly payment and free up some cash but your interest will increase that's the only thing but really fair enough so I will recommend them

Chinonyerem U.

Sep 16, 2022

May or may not recommend

Robelys F.

May 22, 2022

May or may not recommend

I did know that Wells Fargo had mortgage and did not expect that they will have some good deals

Daniel E.

Apr 18, 2022

May or may not recommend

Wells Fargo makes it incredibly easy to refinance your mortgage, especially if you already have your mortgage with them. You can get a lot of the work done right in their app.

Showing 10 of 10 reviews