I've been a Mortgage Consultant for 10 years. I provide Government Loans for Seniors, helping them to stay in their homes. Wells Fargo provides the Home Equity... I've been a Mortgage Consultant for 10 years. I provide Government Loans for Seniors, helping them to stay in their homes. Wells Fargo provides the Home Equity Conversion Mortgage for Seniors & they do NOT have to ever make a payment. They can also use the HECM for a purchase - only needing 1/2...