Wells Fargo mortgage rates today are competitive across the board. Wells Fargo 30 year fixed mortgage rates today are at 4.875%, for conforming mortgages. Wells Fargo’s FHA 30 year fixed rate is much higher than what’s available, at 5.5%, but it’s unclear if the higher rate is to absorb some of FHA’s increased fees.

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Two programs that stand out are Wells Fargo’s 15 year fixed conforming mortgage, at 4.25% and Wells Fargo’s 30 year fixed jumbo rate of 5.75%. Especially on that 30 year fixed jumbo mortgage, Wells Fargo proves tough to beat.

See the chart below of Wells Fargo Mortgage Rates Today.

Source: wellsfargo.com/mortgage/rates/

Rather than focus on the programs Wells Fargo is not competitive on we decided to point out two in which they are.

First off Wells Fargo’s FHA 5/1 ARM rate today is excellent. At 3.75% with a low APR Wells Fargo may just have the best deal on an FHA 5/1 ARM in the business. Their FHA 5/1 ARM is an 1/8% below their conforming 5/1 ARM rate which isn’t lacking.

Another program Wells Fargo knocks it out the box on is their jumbo 30 year fixed rate. Wells Fargo offers a true jumbo loan, fixed for 30 years, at 5.75% with a 5.895% APR. Only TheGreatLoan.com has better rates for a jumbo mortgage.

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Below is a table of Wells Fargo mortgage rates today.

Source: wellsfargo.com

If you’re currently in a loan and considering refinance you may want to also take a look a modification under the government’s Home Affordable Modification Program. Wells Fargo said last week they provided payment relief to half a million borrowers in 2009 alone.

Ditech mortgage rates today are competitive but as is the case with most big banks, could be better. Ditech’s 30 year fixed rate today is 5.125% with an APR of 5.303%.  This rate Ditech says on their website comes with a 1.400 point discount and 20% down payment. A discount, also known as a buy down, is typically in addition to normal points and fees. Despite this, it actually looks like 1.4 points is about the total charged because if it was anymore the APR would be higher. You’ll need to clear this up with your loan officer at Ditech. While 5.125% is in line with many of the big lenders, as low as 4.875% is available at par on the wholesale lending market, available to mortgage brokers.

Wells Fargo mortgage rates today are pretty identical to Ditech on the 30 year fixed conforming mortgage. Wells Fargo is offering a 5.125% 30 year fixed rate with an APR of 5.318. This also assumes a 20% down payment but says the loan comes with just 1 point. Third party fees and other fees may be what’s driving the APR above that of Ditech.

One thing is obvious when we take a look at Wells Fargo and Ditech mortgage rates. You’re probably better off working with a broker with access to wholesale lenders. Today’s 30 year fixed mortgage rates can be found at 4.875% with just 1 point of origination.

Wells Fargo mortgage rates

Today’s Wells Fargo 30 year fixed mortgage rates vary depending on program.

Today’s Wells Fargo conforming 30 year fixed rate is 5.25%, an 1/8 above the lowest available rate of 5.125%, not bad.

Wells Fargo jumbo mortgage rates are better if you compare them to par rates. Wells Fargo’s jumbo 30 year fixed mortgage rate is 5.75%, setting the standard for jumbo 30 year fixed rates.

Wells Fargo’s FHA 30 year fixed rate though is bad. At 5.5% Wells Fargo’s 30 year fixed FHA rate is almost .50% above what’s available.  Wells Fargo’s 5/1 ARM FHA rate though is excellent and maybe the best on the market at 4%.

Wells Fargo’s 15 year fixed mortgage rate today is 4.75%, about 1/4% above what’s available.

It’s become quite obvious to us, Wells Fargo mortgage has their strengths and weaknesses. Besides the FHA 30 year fixed Wells Fargo doesn’t have bad mortgage rates. If you’re looking FHA and 30 year fixed you’ll probably want to go somewhere else with your business. If you’re going FHA and 5/1 ARM then Wells Fargo is the place to be.

Below is a table with Wells Fargo mortgage rates today.

source: https://www.wellsfargo.com/mortgage/rates/

Today’s Wells Fargo mortgage rates

Wells Fargo FHA 30 Year Fixed Rate

Speaking of FHA, Wells Fargo’s 30 year fixed FHA rate of 5% is awesome. Despite mortgage rates climbing about 1/4% Wells Fargo has kept their 30 year fixed FHA rate the same.

Wells Fargo Jumbo 30 Year Fixed Rate

Wells Fargo’s jumbo 30 year fixed rate of 5.75% is awesome. If you’ve got a jumbo loan we suggest Wells Fargo all the way. There are quite a few lenders offering 6% currently on jumbo 30 year fixed mortgages.

source: https://www.wellsfargo.com/mortgage/rates/