Living in New York and Refinancing Your Mortgage

You have worked hard to achieve the dream of home ownership. In fact, you took the first step in securing your financial future when you invested in your New York home.

Now, there may be a way for your home to work for you.

How? By refinancing your mortgage, which means applying for a new home loan to pay off your current home loan. When you refinance your mortgage, you may be able to:

• Improve the terms of your current home loan.
• Convert from an adjustable-rate mortgage (ARM) to a fixed-rate mortgage.
• Tap into your home's equity to access cash.

Refinancing Your Mortgage in New York

In 1961, Wells Fargo Financial started serving individuals throughout New York. Since that time, we have provided New York residents with multiple locations and a variety of financial options.

Wells Fargo Financial currently operates in New York cities including Rochester, White Plains, New York City and Albany. For a complete list of office locations, you may visit our convenient, online store locator.

For a mortgage evaluation, call toll-free 1-800-945-8934 or visit the Wells Fargo Financial location nearest you. A mortgage refinance consultant will work with you to find the right option for you.

Roll Your Bills Into Your Mortgage

You can put your mortgage to work for you in another way…with a consolidation loan.

If you have outstanding high-interest accounts that add up to large monthly payments and are difficult to manage, you may be able to use the equity you've built up to combine them into a new home loan.

When you consolidate bills into your mortgage, those multiple debts are combined into one loan with one payment. The advantages of bill consolidation:

• Fewer bills to juggle.
• Choosing a bill consolidation loan with a lower interest rate may allow you to pay your accounts off faster and pay less toward interest overall.
• Combining higher-interest bills into your mortgage may mean lower overall monthly payments.

If you have outstanding higher-interest accounts and have equity in your home from a down payment when you purchased your home, rising property value or making steady mortgage payments, now may be the time to consider a debt consolidation loan.

There's no obligation to find out how a debt consolidation loan from Wells Fargo Financial could change your financial picture. Find the Wells Fargo Financial office nearest you or call toll-free 1-800-945-8934 for your evaluation.

Contact your local Wells Fargo Financial store or call toll-free 1-800-945-8934 for your bill consolidation assessment. Besides the Wells Fargo Financial offices throughout New York, you may also apply online for your debt consolidation loan.