You have to have good to wonderful credit score and proof of income to qualify for a mortgage. With Wells Fargo, you probably can apply for a mortgage online or over the telephone in case you have an existing Wells Fargo bank account. If you aren’t presently a Wells Fargo customer, you’ll find a way to nonetheless apply for a mortgage, but you’ll have to apply in particular person at a Wells Fargo branch. If accredited, your loan might be disbursed in as little as one enterprise day. Both kinds of bikes are eligible for loan phrases of three to 5 years. LightStream does not have a loan prequalification software, so you’ll have to submit a mortgage application and bear a hard credit score inquiry to find out what interest rates you can get and if you’re permitted for a mortgage.