Wells fargo home equity payoff phone number

Account Summary

View all of your Wells Fargo accounts in one place. Sign on to view your home equity account activity, including:

• View payments made, balances, and your available credit.
• Check payment due dates and amount.

Transfers

Make one-time, future, or recurring transfers between your home equity line of credit account and other Wells Fargo accounts.

Account Services

Take advantage of the account services section for your home equity account:

• View your current APR and other account details in your account profile.
• Set up and manage recurring payments from a Wells Fargo account or from another financial institution.
• Transfer higher interest rate balances from credit cards or other debt to your home equity line of credit with the "Request Balance Transfer" link.
• Set up overdraft protection and use your home equity line of credit as the source of protection by selecting the "Add/Change Overdraft Protection" link.
• Switch your statement delivery from paper to electronic when you select the "Change Delivery Preferences" link.
• Activate your Enhanced Access® Visa® credit card when you select the "Activate Credit Card" link.
• Access tax documents when you select the "View Tax Documents" link.

Bill Pay

Use Bill Pay to pay your bills using your home equity line of credit as a source.

Sign on to access your account. Not enrolled? Enroll now.
Enrolled and don’t see your account? Add your account for online access.

Balloon Loans

Your home loan was originated with a balloon feature. This means that you only make payments until your loan reaches its maturity date, which is typically well before the loan reaches a zero balance. When your loan reaches the balloon maturity date, you’ll be required to pay the remaining balance of your mortgage in a one-time, lump-sum payment, also known as a balloon payment.

You should starting planning at least 2 years before the maturity date. Some of the options for paying off the balloon take longer than others to complete, and you’ll want to leave yourself enough time to get the paperwork done.

No — extensions aren’t available at this time. However, if you’d like to refinance your loan or if you’re experiencing a financial hardship, we may be able to help. For more information, call 1-877-898-4167.

You may have options even if you have little or no equity in the home. To learn more, call a home loan specialist at 1-877-898-4167.

There are different reasons you may have a lump-sum payment due:

• If your loan was originally established with a balloon payment, your loan payments were not calculated to pay your account in full by the time your loan’s maturity date arrives.  This types of payment is known as “partially amortized payments.” When your loan reaches the final maturity date with partially amortized payments, you will not have paid off your entire outstanding principal balance due. That’s why a lump-sum balloon payment is due on or before the maturity date.
• Some contracts calculate interest based on when the payment was received, and variations in when you made your payments may impact the amount that is due at the end.  Additionally, other balances such as taxes and insurance, may have been paid on your behalf and any of these amounts outstanding are also due when the full balance is due, the date your balance is due may be your maturity date or when you pay off your principal balance.
  
• If your loan was modified, the modification may have deferred or set aside a portion of the balance to make your monthly payments affordable. The set aside amount is due when the full balance is due.

You may have other options, but it’s important to reach out to us and discuss your situation as soon as possible so that you don’t default on your loan, which could negatively affect your credit rating or even put your home at risk.

Call us at 1-877-898-4167 as soon as you realize you’re having problems and let us help you understand your options.

Loan and payment options

For a payoff quote on a Mortgage Loan, call us at 1-800-357-6675.
For a payoff quote on a Home Equity Loan or Line of Credit, call us at 1-877-898-4167.

You may be able to refinance to a new home equity line of credit and gain access to available home equity with a 10-year draw period to use when you need it. Our home equity lines of credit also offer fixed-rate advance options. You may apply to refinance a new first mortgage with Wells Fargo.

Note:

• Refinancing may not be right for your situation. Talk with a home loan specialist to learn more.
• Refinancing to a new first mortgage that includes a home equity line of credit may carry additional costs.
• Different options may help you lower your interest rate, lower your monthly payment, or pay off your outstanding balance.
• If you’re experiencing financial challenges, you may qualify for a modification with new terms and a possible interest rate reduction. Talk with a home loan specialist at 1-877-898-4167 for more information.

Apply for a new mortgage

If you're ready to apply for a new mortgage, we're here to help. Apply now

Apply for a home equity line of credit

We can help you decide if a home equity line of credit is right for you.  Learn more

How do I get in touch with Wells Fargo customer service?

How do I find the payoff amount on a Wells Fargo mortgage?

What happens at end of Heloc?

Does Wells Fargo have an early payoff penalty?