Prudential Pledge

The Prudential Pledge consists of two key elements: We will guarantee that your closing will happen ON TIME, and we will guarantee that the closing costs we quote you will be ACCURATE!

On Time Closing Pledge

When you select WCI Mortgage, an Affiliate of Wells Fargo Home Mortgage you will receive a rebate of a dollar amount equal to your first month’s mortgage payment, (principal and interest only); as permitted by law, if your closing does not occur on the date specified on your contract.¹

Closing Cost Guarantee Pledge

It is always our intention to quote the most accurate closing costs to you as possible. Our pledge to you is if your actual closing costs exceed your Good Faith Estimate by more than $250.00, WCI Mortgage, an Affiliate of Wells Fargo Home Mortgage will pay the difference for you at closing. (This offer is available to a maximum of a $500.00 credit) ^{2, 3, 4}

Choose a lender that ensures the smoothest process possible, from application to closing.  We are your best choice for home financing options! 

Ask your Mortgage Consultant  about our Closing Guarantee! 



1) This guarantee is not a commitment to lend and excludes the following loan products and programs: refinance, renovation, construction and construction to permanent financing, reverse mortgages, brokered applications, state and local bond loan programs, the Community Homeownership Affordable Mortgage Program, the Community Development Mortgage Program, Rural Development programs, cooperative apartments, and any loan, product or program that requires a third party approval. This guarantee includes purchase transactions secured by a first mortgage or deed of trust with Wells Fargo Home Mortgage. Other programs may qualify. Call WCI Mortgage for complete details.

WCI Mortgage must receive a copy of the original purchase contract listing the initial closing date and all required loan documentation within 48 hours of submitting all complete loan information. The purchase contract must allow at least 10 calendar days between the date we receive all required and complete loan information, including property address, and initial closing date. Applications greater than $1 million, FHA, Expanded Financing Alternatives, Home Credit Solutions, Home Opportunities or other non-traditional mortgage product applications, must allow a minimum of 21 calendar days between these dates. VA must allow a minimum of 30 days.

 2) FHA regulations require a minimum cash investment from the borrower. Therefore, if the closing date is not met by WCI Mortgage, an Affiliate of Wells Fargo Home Mortgage or WCI Title we will make a donation to a non-profit or faith-based organization of your choice for the amount required.

3) Closing Cost pledge: We will pay the difference on closing costs that are greater than those disclosed on the final WCI Mortgage Good Faith Estimate. Our liability is limited to the total fees that the lender is receiving in the transaction. Escrows stated on the Good Faith Estimate are our estimate of what is required to establish new escrow accounts and are not part of the closing cost pledge. The final escrow figures will be provided by the title company. This does not guarantee the amount of any fee charged by the real estate broker or Title company or the amount of prepaid expenses such as taxes, insurance, interim interest, mortgage insurance or homeowners association due. The pledge does not include any optional charges that the customer chooses after the Good Faith Estimate has been delivered.

4) Use of WCI Title is required when buyer controls the selection of title company.

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All first mortgage products are provided by WCI Mortgage, LLC. WCI Mortgage, LLC may not be available in your area. Wells Fargo Home Mortgage is a division of Wells Fargo Bank, N.A. ©2006-2008 WCI Mortgage, LLC. All Rights Reserved.