You must obtain a free pre-qualification letter from Wells Fargo Home Mortgage to submit an offer, even if you eventually use a different lender.

If utilities are off, the buyer is responsible for costs to de-winterize and re-winterize the property for the inspection (typically $500–$600 ).

You cannot negotiate directly with the bank. You must use a licensed real estate agent to submit offers to the listing broker.

An exclusive search tool for existing Wells Fargo customers to view home listings and market insights. 2. Pre-Approval Requirements Wells Fargo has strict financing rules for its REOs:

Properties are cross-listed on Zillow , Foreclosure.com , and Realtor.com.