Owning a home is an exciting milestone but it also comes with the ongoing responsibility of making timely mortgage payments. As a Wells Fargo mortgage customer, you have the convenient option to pay your mortgage bill online.
In this comprehensive guide, we’ll explore the benefits of Wells Fargo online mortgage payments and walk through the simple steps to get set up. You’ll learn how to make one-time payments setup autopay manage escrow, access statements, and more.
Let’s dive in to how Wells Fargo’s digital tools can make mortgage account management a breeze!
Benefits of Paying Your Mortgage Online
Here are some excellent reasons why you should take advantage of Wells Fargo’s online mortgage payment system:
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It’s fast – Make one-time payments in just a few minutes.
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Saves time – Avoid driving to a branch or mailing checks.
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Flexible scheduling – Pay anytime 24/7 based on your schedule.
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Payment tracking – Payment history is stored digitally for easy reference.
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Paperless – Reduce clutter from mailed mortgage statements.
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Never late – Setup autopay to ensure your payment is always on time.
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Account visibility – Monitor your balance, interest rate, and escrow account.
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Secure – Your data is encrypted and private.
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Free to use – Wells Fargo doesn’t charge any fees for online payments.
How to Enroll in Online Banking
To access Wells Fargo’s online mortgage features, you first need to enroll in Wells Fargo Online®. This gives you digital access to all your accounts.
Follow these steps:
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Go to wellsfargo.com and click “Sign On”
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Enter your account number, SSN, and other details.
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Create a username and password.
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Agree to the online terms and conditions.
Once enrolled, download the mobile app so you can manage your mortgage on-the-go.
Making a One-Time Payment
When you need to make a mortgage payment right away, it only takes a few quick steps:
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Sign in to online banking or the mobile app.
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Select your mortgage from the account dashboard.
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Click “Make Payment” and enter the amount.
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Provide your payment method and submit.
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The site will confirm when your payment is processed.
Easy as that! Now you can pay your mortgage in minutes instead of dealing with checks.
Setup Recurring Autopay
Manually paying each month can be tedious. For maximum convenience, setup automatic payments through Wells Fargo online banking.
On your account dashboard, locate the “Autopay” tab. Toggle it on, select your payment amount, and confirm your default payment method. Autopay will pull the monthly payment from your linked account on the due date going forward.
One less bill to worry about forgetting! Wells Fargo also offers text/email reminders when autopay payments are processed.
Paying Your Mortgage By Phone
If you need help with the online payment process or prefer speaking to someone, Wells Fargo mortgage customer service is available 24/7 at 1-800-357-6675.
Call this number to make a one-time payment over the phone. Just have your account number, payment amount, and card details ready for the representative.
Monitor Your Balance
Log in anytime to see your up-to-date mortgage balance, interest rate, next payment due date, and more account details. Staying on top of this info helps you manage your mortgage wisely.
On the account dashboard, you can also view a custom amortization table showing how principal vs interest payments change over the full loan repayment term.
Download Statements & Tax Forms
Don’t want to clutter up your mailbox with mailed mortgage statements? With Wells Fargo online banking, you can securely access and download up to 7 years of PDF statements.
This allows you to go paperless while still having easy access to old statements for tax purposes or your records whenever needed. Mortgage tax documents like 1098 forms can also be downloaded digitally.
Understand Your Escrow Account
Your monthly mortgage payment to Wells Fargo includes principal, interest, and escrow. Escrow covers property taxes and homeowner’s insurance.
The online account dashboard provides visibility into your escrow balance and activity. This helps you ensure funds are being managed properly for tax and insurance payments. Contact Wells Fargo if your escrow account needs adjustment.
Make Extra Principal Payments
One smart way to pay off your home loan faster is by making extra principal payments whenever possible. This goes straight to reducing your mortgage balance rather than just paying interest.
It’s easy to make one-time extra principal payments through Wells Fargo’s online bill pay. Just specify the “Extra Principal” payment type when submitting the transaction.
Enroll In Rewards Programs
As a Wells Fargo mortgage customer, you’re eligible for special programs that can earn cash rewards to help pay down your balance.
For example, opening a Wells Fargo checking account provides an opportunity to earn $500 towards your mortgage principal after meeting certain activity requirements.
Ask a banker or check online banking for info on what rewards programs you may qualify for. Every bit helps pay off your home faster!
Refinance or Modify Your Mortgage
If your financial situation changes, Wells Fargo offers several options for refinancing or modifying your mortgage online:
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Lower your rate with a no-fee refinance
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Consolidate debt into your mortgage
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Adjust from fixed to adjustable rate
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Extend your repayment term
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Temporarily reduce or suspend payments if facing hardship
Reach out to a Wells Fargo mortgage officer to discuss whether any mortgage modification programs are right for your needs.
Wells Fargo Bill Pay
Wells Fargo online banking also includes a free Bill Pay feature. This allows you to pay thousands of other companies, utilities, credit cards, etc right from your checking account.
While you can’t use Bill Pay specifically for your Wells Fargo mortgage, it’s useful for consolidating all your monthly bills in one place. Give it a try!
Get Started With Online Mortgage Account Management
As you can see, Wells Fargo offers a robust digital experience for easily managing your mortgage online. Sign up for online banking and download the mobile app to enjoy convenient, stress-free mortgage payments.
If you have any other questions, Wells Fargo’s helpful mortgage customer service team is available 24/7 at 1-800-357-6675. Take advantage of all the great online tools to simplify your mortgage account needs!
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Pay your bills without the hassles of writing checks and buying stamps Bill Pay set-up is easy. Take control over when your bills are paid.
No more checks to write, envelopes to find, or stamps to buy. Set up your bill amount, and we’ll pay it. Initial set-up is quick and easy.
View your payment history, and help stay in control by knowing who’s getting paid and by when. If you want, we’ll send you an email confirmation of your payments.
✅ How To Set Up Wells Fargo Bill Pay
FAQ
Can I make my mortgage payment online?
Can I do online Bill Pay for Wells Fargo?
Can you pay off your Wells Fargo mortgage online?
How do I pay my Wells Fargo mortgage?
Pay your Wells Fargo mortgage or home equity account automatically each month. Transfer from your accounts at other banks in the U.S. to make your Wells Fargo payments. 1. Enrollment with Zelle ® through Wells Fargo Online ® or Wells Fargo Business Online ® is required. Terms and conditions apply.
How do I pay my Wells Fargo credit card?
Make same-day payments to your Wells Fargo credit card. Pay your Wells Fargo mortgage or home equity account automatically each month. Transfer from your accounts at other banks in the U.S. to make your Wells Fargo payments. 1. Enrollment with Zelle ® through Wells Fargo Online ® or Wells Fargo Business Online ® is required.
How do I pay my Wells Fargo bills online?
Use Wells Fargo’s online payments services to simplify paying bills and to streamline your monthly credit card and mortgage payments. You can even share the tab for dinner with friends. Pay almost any bill, anytime, with Bill Pay. Schedule a one-time payment, or set up recurring payments and have your bills paid automatically.
Does Wells Fargo service my Home Mortgage?
The servicing of your home mortgage was recently moved over to us. Learn about how you can manage your home mortgage account and make the most of your new relationship with Wells Fargo. Visit anytime you have a question or concern about your account. We can help you make your payment online, view your account balance and history, and much more.
How do I get a Wells Fargo loan?
Enroll in Wells Fargo Online ® Call 1-800-357-6675. Call 1-866-820-9199. Find a local Wells Fargo branch near you. Find a location Financial hardship? We’re here to help if you’re having trouble making payments. See your options Feel more at home with your home loan, using your personalized mortgage dashboard.
How do I access my loan options with Wells Fargo online ®?
Access innovative tools and explore your loan options with Wells Fargo Online ®. Sign on or enroll in Wells Fargo Online ®. From your Account Summary page, select your mortgage account. Select Explore Dashboard in the navigation bar at the top of the page. Audio Description: The sun rises over a hill and a neighborhood.