National Association 2025 IBS Show Guide

Give your legacy room to grow • No repayment is required on the grant money • Need to already live in or plan to move into an eligible area • Meet income requirements for the county you’re buying in • May be combined with other select programs to move your homebuying goals within reach² Come visit us at booth W4343 1. The Homebuyer Access℠ grant may help customers purchase a home by providing a $10,000 grant for a down payment, subject to eligibility requirements. Grant funds cannot be used in connection with the financing of a Wells Fargo real estate owned (REO) property purchase. Repayment is not required for the grant. To use the grant, the full $10,000 must be applied toward the down payment. We cannot apply less than the full amount. The down payment grant is available in certain areas. Eligibility for grant money will not be confirmed until underwriting is complete. Eligibility requirements: Loan type: The grant may be used with a Wells Fargo fixed-rate conventional loan only. Loan types, such as non-conforming loans, government loans, and conventional adjustable-rate mortgages, are not eligible. Income: The total qualifying income of all borrowers must be less than or equal to 120% of the area median income in the county where the subject property is located. Location: The borrower’s verified current permanent residential address must be located in an eligible area or the subject property the borrower is purchasing must be located in an eligible area. Occupancy: The borrower must occupy the subject property they are purchasing as their primary residence. Contact a home mortgage consultant to discuss eligibility requirements. Possible tax implications: If the customer chooses to accept the grant, the funds received may be considered additional taxable income and will be reported on Form 1099-MISC for the primary borrower (the first person listed on the loan) on the application. This means the borrower may owe taxes on that additional income. The grant funds received may also affect any eligibility for income-based assistance, such as government programs like student loan payment relief or other government payments that may be based on income. Before accepting this grant, please have the customer speak with their tax advisor to understand if their taxes may be affected by this grant. 2. The Homebuyer Access℠ grant may be combined with Dream. Plan. Home.℠ closing cost credit, Corporate Mortgage Benefit Program, Union Plus® Mortgage program, non-Wells Fargo funded down payment assistance programs (DAPs), Builder Credits, and the Employee Mortgage Program. Standard Agency underwriting guidelines apply. This information is not intended for distribution to consumers, the public or third parties beyond the intended business recipient. Information is accurate as of the date of printing and is subject to change without notice. Wells Fargo Home Mortgage is a division of Wells Fargo Bank, N.A. © 2024 Wells Fargo Bank, N.A. NMLSR ID 399801. AP6117080 Expires 11/2025 IHA-8010501 To find out more about the eligible areas, scan the code below with your mobile device camera. The $10,000 Homebuyer Access℠ down payment grant¹ may get homebuyers closer to home Let’s talk today. To learn more about how our builder specialists can help you and your homebuyers, scan the code with your mobile device camera. IBS & KBIS FLOOR PLANS (FP-1 – FP-8)

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