Wells Fargo

Wells Fargo & Co. is a financial services company in the United States with consumer finance subsidiaries doing business in Canada, the Northern Mariana Islands and the Caribbean.

Headquartered in San Francisco, California, Wells Fargo is a result of the acquisition of California-based Wells, Fargo & Co. by Minneapolis-based Norwest Corporation in 1998. While extremely unusual, Norwest chose to change its name to that of the acquired company, in order to capitalize on the 150-year history of the Wells Fargo name and trademark stagecoach. As of September 30, 2005, Wells Fargo has 6,250 storefront locations, 23 million customers, and 153,000 employees.

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Wells Fargo offers a wide selection of lending products that are ideal for those looking to consolidate their debt.  Features and benefits of these programs include:

Wells Fargo Personal Loan
A personal loan allows you to use the money you receive for the important things in your life.  Whether you want to eliminate your high-interest credit cards through debt consolidation, make home improvements, or pay for your medical expenses, a Wells Fargo personal loan can help you achieve your goals.

• Fixed monthly payment;
• Interest rates as low 11%;
• Receive a 0.25% rate discount by automatically debiting your Wells Fargo checking or savings account for the amount of your monthly payment.

Home Equity Line of Credit

• Ongoing access to the equity in your home
• A variable-rate line of credit
• Option to convert line of credit balances to a fixed-rate, for a fixed-term.
• 10-year draw period Additional 30 year repayment period
• Borrowing Limits:
• Primary Residence: up to $500,000
• Second or vacation home: up to $250,000
• Non-owner-occupied: up to $100,000
• Minimum loan amount: $10,000

SmartFit Home Equity Account

• Ongoing access to your home's equity as you repay principal
• Receive up to the entire amount as fixed-rate advance. As principal is repaid, funds become available.
• Option to convert line of credit balances to additional fixed-rate, fixed-term advances.
• 10-year draw period
• Additional 30 year repayment period
• Initial advance term of 3, 5 or 7 years
• Borrowing Limits:
• Primary Residence: up to $500,000
• Second or vacation home: up to $250,000
• Non-owner-occupied: up to $100,000
• Minimum loan amount: $10,000

Home Equity Loan

• Receive the entire amount upfront with fixed payments and a fixed rate
• Cannot re-draw funds
• Repayment term of 5 to 30 years
• Borrowing Limits:
  • Primary Residence: up to $500,000
  • Second or vacation home: up to $250,000
  • Non-owner-occupied: up to $100,000
  • Minimum loan amount: $10,000.

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