Wachovia Experienced Homebuyers

Here you can find everything you need to research and obtain a home mortgage through Wachovia Mortgage, FSB. With over 40 years of experience, Wachovia has the tools and assistance you need to secure a mortgage quickly and conveniently.

Research Online

Free Pre-Qualification
In a few minutes you can determine how much you can afford and print a pre-qualification letter from your computer.

Rate and Fee Quotes
Specify the loan amount and value of the home, and view a selection of mortgage programs with competitive rates that can be organized based on your preference for low closing costs or low monthly payments; includes detailed breakdown of all closing costs.

Mortgage Calculators
Find out the specific type of mortgage that is best for your house, budget, down payment, and long-term goals.

Free Rate Alerts
Sign up to receive free email notifications whenever rates change, or you can elect to be notified when rates hit a specific point.

Secure Your Rate
Is a rate lock right for you? Learn more about interest rate options so you can negotiate a mortgage loan that suits your needs today.

Apply Online

You can research, apply for, and receive a pre-approval on a mortgage in about 15-20 minutes with our online application and pre-approval. You will need the following pieces of information:

By applying online and paying the $95 non-refundable application fee, you will be entitled to a ¼ point discount on the origination fee. On a $200,000 loan that is a savings of $500.¹

Within minutes, you will receive a pre-approval or feedback online, and a Mortgage Specialist will contact you within one (1) business day to discuss your rate lock options, any needed documentation, and next steps. Then, when you're ready, you can close conveniently from your home or office.

If you would like to view and compare all of our available mortgage programs we have a Mortgage Comparison Chart.

¹ The origination fee on the site reflects the Ľ discount on the standard origination fee. The standard origination fee is 1% of the mortgage amount or $2,000 on a $200,000 mortgage. This is a savings of $500. The discounted origination fee available through this offer is .75% of the mortgage amount or $1,500 on a $200,000 mortgage. This offer is limited to one discounted origination fee per loan and can only be redeemed by applying online at the link above or by calling (800) 922-6267. No cash will be provided. This offer is only valid on actual loans closed and will not be credited if the loan is denied or withdrawn. This offer is not valid with any other Wachovia Mortgage offer. Offer is only valid for a limited time and is subject to change without notice. Other restrictions apply.

Mortgage loans are originated by Wachovia Mortgage, FSB, and are subject to credit approval, verification and collateral evaluation. Products are not available in all states. Programs, rates, terms and conditions are subject to change without notice. Certain restrictions apply.

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EXPERIENCED HOMEBUYERS

Research Online

Apply Online