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7.3

Overall Score

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LAST UPDATED: September 15th, 2022

In addition to traditional banking and loan services, Wells Fargo finances home buying and home building nationwide through its mortgage lending division.

Wells Fargo offers several financing options for home buyers as well as existing mortgage refinancing services and home equity financing for homeowners. When you apply for a mortgage loan you can track your application as well as current interest rates online as you wait for approval. Once you're approved, you can easily manage your account online upon setting up a Wells Fargo account.

Wells Fargo mortgage reviews give the company 3.5/5 star ratings for trust, customer service, and value.

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Customer Review: Brian Elligson from Winchester, Kentucky

"I've always had a good experience with Wells Fargo. They do the standard practice of buying and selling mortgages which can be a little confusing at times, but overall the process is user friendly. I've always had great chats with customer service and never found it difficult to get ahold of someone to talk to."

Continue reading for a full review of this mortgage company, as well as Wells Fargo mortgage reviews from real customers.

See how Wells Fargo compares to other mortgage companies:

Quicken Loans vs. Wells Fargo

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The Good

Several Loan Options

Wells Fargo offers a wide variety of loan options: 

  • Fixed Rate Mortgage Loan
  • Adjustable Rate Mortgage (ARM)
  • FHA Loan
  • VA Loan
  • Jumbo Loan (fixed and ARM)

In addition, the company offers refinancing and funding to pay for repairs and renovations. 

New Construction Loans

Wells Fargo provides financing for new home constructions, an option not offered by all lenders in the industry. When you finance your home building project through Wells Fargo, you work with a mortgage consultant and builder home financing team that specialize in new construction loans.

Additionally, the company's Builder Best Extended Rate Lock program locks down an interest rate range for up to 24 months on a number of loans, protecting you with a grace period during the construction process (for a fee) should rates suddenly increase.

Mortgage Refinancing

In addition to mortgage financing services, Wells Fargo provides mortgage refinancing and even offers a cash out refinance option. It is important to note that cash out refinancing may not be the best option for everyone, but it can open up funds for other purposes as the borrower gets a new mortgage with a higher loan amount, allowing them to access their home equity.

If you are interested in refinancing your mortgage, speak with a Wells Fargo consultant to see which options might be the best for you.

Home Equity Financing

Wells Fargo offers home equity loan financing, which can offer payment flexibility if paired with a fixed-rate or adjustable-rate mortgage. A home equity line of credit also has potential tax benefits: in some cases you can deduct the interest used to improve, buy, or build a home with home equity financing. 

Low Down Payment Requirement

Borrowers have low down payment options with Wells Fargo. You can get a conventional fixed-rate mortgage with a down payment as low as 3 percent, much lower than the standard 20 percent down payment that is common in the industry. Be aware that with a low down payment, you'll need to purchase mortgage insurance, which increases the loan cost and monthly payment. And, as always, eligibility is dependent upon loan amount, loan type, and property type. 

Federal Housing Administration (FHA) loans have low down payment options, too, with rates as low as 3.5 percent and you can often use a gift or grant for the down payment and closing costs. This, too, requires purchasing mortgage insurance. 

Department of Veterans Affairs (VA) loans offer low- and no-down payment options for eligible service members and veterans. And, unlike conventional and FHA loan low down payment requirements, you don't have to worry about mortgage insurance. 

Competitive Mortgage Rates

Mortgage rates are constantly fluctuating based on the condition of the housing market. Wells Fargo mortgage rates will ebb and flow with the market as well, but its rates are known to be competitively low. Those with a great credit score should be able to secure a low interest and APR rate for a conventional home loan at Wells Fargo.

Wells Fargo offers an online mortgage calculator which will be able to give you a first hand look of what your potential Wells Fargo mortgage rate would like if you decided to do business with them.

Online Convenience

While Wells Fargo has thousands of brick and mortar locations throughout the country, the home loan application can be completed in full online.

Wells Fargo makes it easy to apply for, access, and manage loan information and other account details from a computer, tablet, or smartphone with its online account system and mobile app. The mobile app is compatible with iOS and Android devices.

In addition, you can easily track your mortgage loan application online through yourLoanTracker℠. This tool isn't available to use with all loans.

Mortgage Tools and Calculators

To assist homebuyers in the mortgage process, particularly first-time homebuyers, Wells Fargo has various tools and resources available on its website, including helpful mortgage calculators.

Wells Fargo offers the following mortgage calculators:

  • Mortgage Calculator
  • Affordability Calculator

If you have specific questions or concerns you can contact a Wells Fargo representative or connect with a mortgage consultant in your area.

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The Bad

Limited Website

Wells Fargo's website can be difficult to navigate, and available mortgage information is limited. 

Unknown Fees

Wells Fargo has not disclosed origination fee or other cost information on its corporate website.

Closing costs with any mortgage will vary by loan amount, type, and location, but borrowers should check for and question fees that are not clearly explained by the lender. 

Similarly, interest rate and annual percentage rate (APR) will vary depending on the borrower's credit score, debt-to-income ratio, money set aside for a down payment, mortgage program chosen, and other individual financial factors. Make sure to discuss your loan options, including mortgage rates and all loan terms, in detail with your loan officer.

Recent Company Scandals

In recent years, Wells Fargo has been accused of opening fake deposit and credit accounts to meet excessive sales goals, in addition to wrongfully foreclosing on mortgage borrowers. In some cases, the company has been hit with large fines from federal and state government officials because of its harmful behaviors.

Wells Fargo has been putting all effort forth into recovering from these setbacks, but consumer trust has taken a hit.

Average Customer Reviews

Wells Fargo has average customer reviews, averaging around 3.5 stars for overall customer sentiment. This isn't necessarily bad, but it could indicate that the mortgage lending experience may not be consistent.

Positive reviews highlight: 

  • Value for your money
  • Quality of product or service
  • Customer service
  • Company trustworthiness

Negative reviews highlight:

  • A lack of flexibility when extenuating circumstances arise
  • Poor communication about their mortgage loan
  • Lack of transparency and confusing fees

However, Wells Fargo is a large mortgage lender with decades of experience which should give potential borrowers a feeling of security. 

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The Bottom Line

Wells Fargo is a competitive choice for your mortgage financing needs, especially if you are a home buyer looking for a construction loan, which has added perks through Wells Fargo's Builder Rate Lock program. The company funds all major loan types, refinancing, and home equity products and services.

If you're already a Wells Fargo customer via a savings account, checking account, or credit card, it makes sense to at least look into Wells Fargo's mortgage options to see what rates you qualify for, as you will be able to manage all your finances from one place through your Wells Fargo online account.

The company has experienced some negative press because of a fraud scandal and subsequent problems with the U.S. Federal Reserve in recent years. However, as questionable practices are being cleared up, the majority of Wells Fargo reviews from mortgage customers are positive.

Wells Fargo mortgage reviews are equally positive and negative. Positive reviews highlight affordable and flexible loan options, but negative reviews often mention poor company communication and lack of transparency about fees. While customer sentiment may be swayed by Wells Fargo's recent scandal setbacks, it is important to weigh both the pros and the cons of what past customers have said about their experiences with this mortgage lender.

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Star Rating

3.9

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290 Reviews

Review Breakdown

5 grade

45%

4 grade

24%

3 grade

13%

2 grade

8%

1 grade

11%

Sentiment Criteria

Value

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Quality

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Service

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Giovanna Vitale Wilmington, NC

Great service provided from Jennifer J She is very professional and very knowledgeable She guided us through the all loan process from start to the end She addressed all of our questions and concerns. Thank you Jennifer

1 month ago

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Shelton Germaine Rogers, AR

I currently using Wells Fargo for my home loan. They have taken care of me now for 16 years, twice they have allowed me to do a refinance for a significantly lower rate, without closing cost, fees or anything. Both times, it was painless

3 weeks ago

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BOOHOUSTON Portland, OR

I went on medical leave and had difficulty paying my mortgage. I called Wells Fargo to explain my situation and to get options so I would not lose my home. They were so kind and understanding that it really took off a lot of stress that I was feeling. They helped me get on a forbearance program so I could stretch out the loan to a longer-term and reduce my monthly mortgage. If they would not have done that, I don't know where I would be now so I thank them so much!

2 months ago

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Chanita Carson Richardson, TX

We we very pleased with our Wells Fargo mortgage experience. They were always transparent and communicative about changes that occurred and very easy to understand. They responded to questions quickly and efficiently.

1 month ago

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KW Phoenix, AZ

Several years ago, we wanted to lower our mortgage payment. We contacted Wells Fargo and started the process. The person we were working with suggested consolidating our debt into our mortgage... including a 401k loan that I had with my employer. Even though I kept telling him I didn't want to do that, he kept pushing me to do so. He also talked us into taking on a mortgage with a super high interest rate - claiming that if we paid that mortgage payment for a year we would be in a much better financial position and could refinance again when the year was up. We didn't like the idea of a 10% interest rate on our mortgage, but we trusted him and did it. After struggling a year to make that payment, we looked into refinancing and were told we didn't qualify. We were screwed... BIG TIME! We nearly lost our home and our asses over that mortgage fiasco. Luckily... thankfully... we were able to sell our home for slightly more than we owed and got out from underneath the crushing debt.

2 months ago

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margaret dickens Albuquerque, NM

The interest rate was good and competitive. The home mortgage banker and the other employees at the bank had an air of arrogance. She didn't provide that warm and welcoming reception but rather an unblinking and hardnosed approach like a super jock. It didn't make us feel very comfortable. We ended up taking our business to Bank of Albuquerque for a home mortgage.

2 months ago

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Ernest Brooks

At first I was skeptical of the whole process, but then I read many good reviews about METRONET CREDIT SOLUTION on several forums. After careful deliberation with my wife I contacted them via 205 518 3032 and wrote them via METRONETCREDITSOLUTION at GMAIL dotCOM, they increased my score to 800 and improved my credit profile by removing the evictions, foreclosure, inquiries, late payments, collections, IRS and other negatives; I acknowledge their efforts and strongly recommend their services to anybody in need of credit fix. Contact them for any credit related issue, chex system or DUI fix. Don't forget to mention me.

11 months ago

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Nam Denver, CO

I am currently using Wells Fargo to pay off my auto loan online. I began using them in 2019 and never had an issue. Their website did go through an update sometime in 2020 which migrated everything over to their main site. I did have trouble logging in after the migration but a quick call to their customer service line and I was able to access my account again. The new user interface of the website is very easy to navigate, and I appreciate the modern look. I wanted to change the amount that was paid every month on my loan and all I had to do was click on ALP and enter the addition amount withdrawn. Wells Fargo also has an app that makes online banking extremely convenient, and I highly recommend downloading it.

8 months ago

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CJ Little Rock, AR

I like the format for the statements. They are very easy to communicate with and the website is very user friendly.

3 weeks ago

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Steve Portland, OR

Well, Wells has a competitive rate (maybe a little higher), but you'd better not need in person help. I don't mind that so not an issue, but had one question I had to call about and it was a wait.

1 month ago

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Judy Fred Wakefield, RI

What a wonderful experience. The people at Wells Fargo were so helpful. The process was easier than I thought it would be. I was able to complete my application on line. Great rates and answers to all my question with almost zero hold time. A refreshing experience with a bank.

5 months ago

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Mercedes Rifle, CO

My spouse and I were in the process of purchasing our first home and were comparing rates to make sure that we were getting the best rate possible (we get an employee discount through Alpine Bank). I reached out to Wells Fargo and asked them about their lending policies and asked to get a quote. TJ D (Thomas D) reached out to me and we began working together. TJ was amazing with his customer service and I was amazed at how quick he was to respond to all my questions and update my quotes. He was very patient with me as I was waiting for our Alpine Bank originator to get back to me with our final numbers and get him an answer on whether or not we would be moving forward with him. He was on top of it the whole way through and had everything ready to go in case I decided to go through them. He was by far the best lender to work with out of the three that I was comparing rates with. Thank you TJ for all your hard work and making me feel like an important customer.

3 years ago

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Wendy Shaw Queens, NY

Wells Fargo has a extended list of mortgage products and offers easy to shop rates. Outstanding on-line convenience that streamlined the mortgage application process. With its variety of loan types, easy application process and low rates and fees. This is definitely a Bank mortgage I would use again and refer to family and friends.

6 months ago

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Shopman Herriman, UT

Wells Fargo has been a great company to work with. I am able to make extra payments to principal or to escrow online, which is super convenient. I can access older statements online. The monthly statement is super easy to understand.

8 months ago

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Joy Kersey Long Beach, CA

Mostly, home mortgage customer service is excellent. They have resources that make transactions easy, and information is accessible. I am currently looking at Refinancing, and anticipate that the transaction will be streamlined and simplified if I do it through Wells since they own my current mortgage loan. I will post again after completing that transaction to let you know how it goes. In the past, the commercial mortgage division has been shady. Individuals have way to much power without checks and balances. We couldn't move our commercial property loans to a different lender quickly enough.

2 years ago

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Cynthia Landing Forest City, IL

The loan officer and underwriter were very nice in explaining my every step making me knowledgeable of what is expected and the outcome in advance therefore I felt very comfortable going through the process of acquiring a loan and I might add that Wells Fargo offered a program that a lot of other banks didn’t offered in helping me financially to purchase a home

9 months ago

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Ur Fort Lauderdale, FL

The rates were fair and straightforward making this a great company to do business with.

1 month ago

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Alaskan Bev Chugiak, AK

My first experience with Wells Fargo banks began about 15 years ago. My best buddy was traveling to Canada and wanted some Canadian money for exchange so I opened a savings account at Wells Fargo since that was the only bank we discovered that offered exchange services. About six years ago I learned that my husband had not been making house payments in the same manner I would have, so I cashed in four savings accounts and a couple of CDs and went in to pay off our home and property. From the moment I entered, I was met with the utmost of courtesy, professionalism, and respect. My transaction went smoothly, the paperwork was easily completed, and I was congratulated as I left. (This was the first time I have made such a purchase and I had never thought about being congratulated for it.) I also purchased some expensive necessary medical equipment three years ago; Wells Fargo worked out an easy payment plan with my prescriber so that a certain amount was withdrawn from my savings account on autopay - with zero percent interest for three years! This made my medical care affordable with no hassle whatsoever. Way to go, Wells Fargo (and Dr. M).

1 year ago

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Morgan Welch Brandon, FL

I have Wells Fargo currently for my credit card and mortgage account. They make it easy to manage my account and pay my bills on time

3 months ago

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Germaine James Houston, TX

Wells Fargo has no maintenance fees for checking account. Great customer service. Offers low interest rates for loans. Lot of security features to protect accounts from predators.

8 months ago

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Victoria L Moorman Indianapolis, IN

I love the customer service. The willingness to Provide you with all the tools you need to live And remain in your home, during difficult times. And happy with you when you sore again, and prosper. I love Wells Fargo Home Mortgage. Thanks

2 years ago

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Amy Stewart Gilbert, AZ

We have banked with Wells Fargo for over 20 years and love their services. We also have our home loan through Wells Fargo. They are very competitive on their interest rates. Overtime we go into the bank the workers are always helpful and friendly towards my and my family. I don't plan on changing who I bank with!

4 years ago

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Joanna Hester Gilbert, AZ

We have a Wells Fargo home loan on our first home which we turned into a rental property. We have used them for 15 years. I had to contact customer service with questions about our loan and when our mortgage insurance would fall off. They were always very helpful and went above and beyond to answer my questions.

4 years ago

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Nancy Kreigline

I feel like I got a great deal on my mortgage loan. The cutomer service department has always been excellant. I am able to go online at any time & check on any tax payments or balances remaining & I can also print out any forms I may need.

4 years ago

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Bob Abaya South San Francisco, CA

Despite some negative press, I have found Wells Fargo to be an outstanding mortgage company. They keep me apprised of any new developments, have a great customer service department, and their app is dead one and easy to use. I think people should really consider Wells Fargo for their mortgage (and banking) needs.

11 months ago

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Eva Salazar Lubbock, TX

Very user friendly and I love the way they treat their mortgage customers.

1 month ago

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Donna Gilmer, TX

My mortgage is with Wells Fargo. I decided to take advantage of their low interest rates and refinance. They made the experience pretty painless. We completed the entire process online. They were communicative and informative. Their rates compared to other lenders. My only complaint is that much of the paperwork needed was already on file so that part seemed redundant.

1 year ago

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Nathaniel Scott Souderton, PA

Super easy to use my ATM card and I can always find a physical ATM if I need to take out money. These days I rarely visit a teller as everything is conveniently located online. I can schedule to pay my bills using their Bill Pay service so I never miss a payment and can easily view my e-bills. WF promptly notifies me when a new bill arrives and I can always check my current balances.

1 year ago

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James Moss Pella, IA

Wells Fargo bought my mortgage and has always been honest with me. I was going to refinance with Rocket Mortgage, and they said I could as it would make financial sense, but later told me no. I checked with Wells Fargo as I was waiting to go with Rocket Mortage and Wells Fargo said no that could not help. Not a problem but, with Rockit Mortgage I got another hit on my credit report.

1 year ago

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Yael Fort Myers, FL

Wells Fargo is a super awesome company, I have been with them for years and loved their products and customer service over the years! They have always offered me the best rates in the industry for mortgages, when I first looked into buying a house, my first stop was my main bank which was wells fargo and not only did I qualify for under 6% I even qualified for a home equity line of credit to do some renovations I wanted.

1 year ago

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Gilbert Cortes Deltona, FL

The bank to have in your pocket is here to serve. These guys are one of the best customer service firms by far. The welcome greeting and friendly smile invite all to feel in a trustworthy bank. They go out of their way to accommodate and fix any issues with fund availability and speedy service that feels great in the wallet. It is nice to have someone on our side when we travel or at home. Keep up the good work.

2 years ago

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Ashley Pleasant Grove, UT

My husband and I were seeking a good Mortgage rate to refinance our home. We were very happy with Wells Fargo. The loan officer took a look at our financials and credit history and helped us secure a very reasonable rate. We have had no issues with the rate changing on us. If any issues every arise there is never a long wait on the phone to talk to someone. In fact we get a call every 6 months or so to make sure that we are satisfied with everything they are doing.

3 years ago

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Viva Bird Springville, UT

We have been a customer of Wells Fargo Bank for, at least 50 years. They have always provided excellent service to us regarding our checking, savings, credit cards, debit cards, home mortgage and our reverse mortgage. We have very little complaints about any issues that may have come up. When there was and issue, it was immediately resolved to our satisfaction. We have been very pleased with their service.

3 years ago

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Rischelle Mikkelson American Fork, UT

Our mortgage was through Wells Fargo. When I received a refinance offer from another company that was good for us, I called up Wells Fargo to see if they could match it and save us the time and hassle of loads of paper work to refinance. Not only did they match it, I only had one paper to fill out which I was able to do right on my phone. Simple, easy, and a great value.

3 years ago

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Lesa Burgess Pleasant Grove, UT

I was a first time homebuyer when applying for a loan with Wells Fargo. I felt WF offered a full range of both traditional as well as other specialty mortgages. I went with the traditional and because I was a first-time homebuyer, they had a program that allowed me to put down a downpayment of 3.5%. I think the lowest I could do, as a first time homebuyer, was 3%. At the time, WF did require a minimum credit score of 620, which was not a problem for me but could be for others applying with them. I know in 2016, WF had an embarrassing corporate setback, but with my dealings with them, I had a great experience.

4 years ago

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Anna Hu Provo, UT

I have been a Wells Fargo customer for the last 5 years and have had nothing but positive experiences. Every time I've needed help with something, it has been resolved with a simple and short phone call. I've met with representatives in the office multiple times regarding setting up loans or new accounts and they have been extremely helpful and thorough with walking me through each process.

4 years ago

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Lisa E Leominster, MA

We had to be on them and on them and on them and they still didn't have escrow right at the end but we went with it just to get it done because we were coming up on the end of the 90 day rate lock and no one seemed to care. At all. Brandon R is absolutely awful. Don't even bother if you get him as a loan officer. Worse than useless. I had to do all of the leg work including finding the phone number and names of the title company officers that he selected because he couldn't be bothered. Zero follow up. Lots of talk about how everyone was on a "team". Give me a break.

9 months ago

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Merrie Jones Peachtree City, GA

Wells Fargo is by far the worse mortgage company I have ever dealt with. We applied for a mortgage on May 25 and could never get it closed. By September 10 we were so sick of dealing with them, we finally went with another lender. The new lender got done in seven (yes, 7) days what WF could not do in almost 4 months. WF asked for the same documents repeatedly. They asked for documents on Friday at 4:50 and our loan was scheduled to close that following Monday. WF sent us a commitment letter dated August 20 that had an expiration date of August 15. Our first loan processor was so unresponsive we were assigned to another after one month. From the beginning, we made sure our new processor knew the schedule of selling our home and the purchase of the new home. We already had a closing date set, which was not met. In the end, we incurred expenses totaling almost $3,000 due to WF's inability to honor own mortgage request. We asked for reimbursement for these expenses and WF refused. This story goes on and on and on. I had been a customer of WF for almost 40 years, my husband, as well. We have considerable assets, stellar credit scores, no late payments ever, no bounced checks and this is how we were treated. I am in the process of closing all accounts with WF and will never do business with them again. I wish I could give them less than one star. Please think again if you're considering Wells Fargo, they are worse than awful!

11 months ago

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J S Savannah, GA

I love Wells Fargo as a bank so it only made sense to go through them. They made everything so convenient and they were so helpful with the walk through.

6 months ago

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Robert Alfano Stephenson, VA

I don't have much experience with them. I bought a new construction home a little over 2 years ago with a mortgage from the builder. Before my first payment was due they sold the mortgage to Wells Fargo. Since then I make my payments each month with no issues.

2 years ago

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Tom Pleasant Grove, UT

Wells Fargo is a very trustworthy bank. They will treat you like a valued customer and are very knowledgeable about different products that would be best for you and your situation.

4 years ago

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Lesia Ambrose

The name speaks for itself. Great customer service, fair and quality product. Convenient location to home and work. Mortgage loan, savings account, checking account and soon automotive loan with WF. Never had a problem with customer service locally nor out of state. Knowledgeable employees are a plus. Office is alway neat/clean appearance

4 years ago

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Julie Donehue Columbia, MO

They have been very helpful. They have worked with me

3 weeks ago

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Niamul hasan Bogra, 03

My friend introduced me with Wells Fargo. I had limited time to complete all the procedures for loan. I'm totally impressed by their management system. As all these was for my wife she was extremely satisfied after finishing all the formalities. Thank you Wells Fargo!

1 year ago

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Stephen Thompson Palatine, IL

Have had a mortgage with Wells Fargo for approximately 4 years. Their website is very intuitive and easy to use, their statements are user friendly. I have no complaints with Wells Fargo except ONE. They approached me to possibly refinance about 2 years ago and I started the process with them. Their mortgage broker was customer-focused and helpful, BUT the paperwork processor was horrendous. As a backdrop our credit score is between 830-845 dependent upon which rating agency is quoted, we have never been late with any payments, etc. etc. Yet, the process was so unwieldy, I walked away and told them I would never ever start this process with them again. I provided all requested information within the first 7-10 days, yet the processor continued to follow up and ask for the same information several times. Then, she would say she sees where it was submitted, and then I would get another call requesting the same information a week later (from the same processor!). After supplying a couple fo years of my tax filings, then she figured out i was self-employed (which was in the initial paperwork) and requested an entirely new set of information. When that set of paperwork was requested for the second time after it had also been submitted, I asked to speak to her supervisor and told them "I'm done - I don't care how much $ I can save with a lower interest rate, I just lost 5 weeks of my life that I'll never get back!"

1 year ago

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cj thor Greenville, SC

Wells Fargo handled our loan very professionally. Their customer service is EXCELLENT. When it was time to pay off the loan, they made the process simple and pain free !! Would not hesitate using them in the future for our financing needs.

1 year ago

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Hemant Ramachandran Santa Clara, CA

I have used Wells Fargo for many years. Overall, a very good bank. The staff have been very professional, efficient, and quick to respond. Whenever I have seen the staff in person or have a phone call, they get the job done in a timely manner.

1 year ago

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Ben Tolsky Wilmette, IL

I didn’t get my mortgage through Wells Fargo, but they ultimately were the ones who purchased my mortgage from my broker. As far as servicing the mortgage goes they were fine. They offer automatic payments on the day of your choosing which is what I did. However, because I was enrolled in automatic payments, they did not provide me with any payment stubs going forward. Which I appreciate saving some trees, I ultimately wanted to make larger principal payments and then needed a payoff letter when I wanted to refinance. Both of these tasks proved rather difficult as I really had no idea how to contact them and what my account number was. For this reason I’ve knocked off 2 stars.

1 year ago

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Cindy H Gilbert, AZ

We had our home mortgage through Wells Fargo and it was a wonderful experience. We never had any complications. The customer service was great. I liked that it was with a bank that i was already banking with so i could go to the bank with questions or payments.

1 year ago

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Matin Midlothian, VA

This is about W.F. Home Loan. They have the best customer service that are always there to answer your question. Just an FYI, I refinanced through another mortgage company who sold the loan to W.F. (W.F. like other banks doesn't always have the lowest rates with zero fees).

2 years ago