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Getting Closer to Your Goals

Use the equity you’ve built in your home to better manage your debt and get your credit back on track.

April 21, 2008
Sponsored by Wells Fargo Home Mortgage

Feeling swamped by bills every month? And that could be on top of any other debt you may have been carrying throughout the year. Learn how AICPA-Sponsored Home Financing Program offered by Wells Fargo Home Mortgage can help you and your clients to take control of your finances.

Consolidating Your Debt

You and your clients might be able to benefit from consolidating your debts into one repayment. Debt consolidation won’t immediately improve your credit, but it can help you effectively manage and reduce your debt over time. That can be a big help as you work to improve your financial situation.

It’s important to understand that a debt consolidation loan simply transfers the debt to a new lender, so you still have debt. But under the right circumstances consolidation offers some helpful benefits:

  • A lower monthly payment. Consolidation can lower your rate, lengthen your repayment term, or both. The resulting reduction in your monthly payments allows you to manage your cash flow with more flexibility while you continue to pay your bills.
  • Savings. Home equity financing solutions from Wells Fargo let you consolidate bills as well as take advantage of tax deductible interest and low interest rates.1
  • Convenience. You won’t have to keep track of numerous bills with different due dates and changing monthly amounts.

Supporting Your Individual Goals

Everyone has a different financial profile. Whether you want to consolidate debts or buy, build, renovate or refinance a home, you and your clients will benefit most from financing tailored to your needs.

Our programs don’t limit you to one-size-fits-all financing simply because of your credit profile. We offer a variety of fixed- and adjustable-rate mortgages2 and home equity financing solutions1 that are designed for your individual financing needs.

Take Control of Your Finances

We can show you how you can consolidate your high interest rate bills into one lower monthly payment. Take advantage of the AICPA-Sponsored Home Financing Program, offered exclusively to AICPA members and their clients.

With the AICPA-Sponsored Home Financing Program, you and your clients can enjoy easy applications and quick approval decisions right over the phone,3 competitive rates and fees, on-time closings, and convenient online information, account access and payment tools.

For AICPA members and their clients: Obtain a new or refinanced mortgage and receive a $200 Closing Cost Rebate4.

Clients of CPA members must close on a purchase or refinance through 1-800-CPA-1210 in order to be eligible for the $200 Closing Cost Rebate. If you have questions, call our experienced mortgage consultants from the AICPA-Sponsored Home Mortgage Program at 1-800-CPA-1210. For more information, visit us online or conduct a free break-even analysis online.

Wells Fargo can help you choose from a wide range of home financing solutions to meet your needs, even if you’ve had credit problems in the past, with mortgage and payment options for every life stage and budget. We’ll help you select a refinance program that’s just right for you, so you don’t have to put your life on hold while you get back on track.

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1 Consult a tax advisor regarding deductibility of interest. Home equity loans and lines of credit are available through Wells Fargo Consumer Credit Group, a division of Wells Fargo Bank, N.A., Member FDIC and Equal Housing Lender.

2 Rates may vary and are subject to increase after the fixed interest rate period.

3 You will need a minimum of five percent down payment and must meet our credit guidelines to be eligible for a loan decision during your application call. Other underwriting conditions may apply such as maximum loan amount, property type and occupancy restrictions. Because with this program your loan decision may not be subject to an appraisal, you may want to consult your legal advisor to include an appraisal contingency in your purchase contract. Information is accurate as of date of printing and is subject to change without notice.

4 Borrowers are eligible for a closing cost rebate after closing on any new purchase or refinance, secured by a first mortgage or deed of trust, closed through the AICPA - Sponsored Home Mortgage Program provided by Wells Fargo Home Mortgage (New Loan), on or after September 1, 2007, subject to qualification, approval and closing. Rebate may not exceed your out-of-pocket costs. This rebate is not available on home equity loans and lines of credit, FHA mortgage loans, assumption or modification loans, loans originated through Wells Fargo retail branches, brokers, joint ventures or other third parties, and cannot be combined with any other offer or discount. This rebate must be mentioned at the time of application, and all eligibility requirements are met no later than two days prior to your New Loan closing date. Only one rebate permitted per New Loan. This rebate is void where prohibited, and is transferable, subject to program availability1.

Wells Fargo Home Mortgage is a division of Wells Fargo Bank, N.A. ©2008 All rights reserved. #55431 2/08-5/08 Equal Housing Lender