Hi, Fatboy. If you have an actual prequalification, which basically means your loan officer is basing your mortgage eligibility off your pulled credit report and stated income, you're in trouble for that prequalification is pretty much worthless.
You need to be fully "preapproved" first. That means a licensed (which Wells Fargo loan officers are not) and expereinced loan officer hasnot only pulled and throughly reviewed your credit, but also has copies of your most recent pay stubs, applicable bank and saving/ inevestment statements, last 2 years of federal tax returns with all schedules, and a copy of your driver license or state ID, to properly substantiate gainful employment, income, and assests. With this you now know exactly where you stands when it come to how much home you can afford and whether or not you're going to be able to make it to the closing table. Without this, you're just guessing in the dark and talking a very long walk off a very short cliff.