During the next six months, you're going to be hearing, reading and learning a lot about government products - with emphasis FHA loans.

Why? Several reasons:

• In 2008, we expect increased interest in government products- especially among borrowers impacted by the significant changes that occurred in the mortgage industry in 2007.
• The House and Senate are about to debate the merits of each of their plans to modernize FHA.  Proposals include, but are not limited to: higher loan limits, reduced down-payment requirements, streamlined condo approvals and enhancements to FHA reverse mortgage products.

There are many advantages that government loans can offer:  flexible underwriting, the use of non-occupant co-borrowers and reverse mortgage opportunities.  Plus, all FHA loans are fully assumable.

Wells Fargo is the leading originator of government loans...and we're going to stay #1.