wells fargo is in the process of forclosing on my home and they will do nothing to assist they took 25ooooooo dollars from the goverment and have rewritten only 1% of there subprime mortgages there was an article in the paper saying they r the fastest forclosers in the country they are on a goverment paid for land grab so if you are considering a wells fargo refinance i would say look at other options they wont even let you pay your bill over the internet unless it is a wells fargo account to use pay by phone will cost you an extra 15 dollars read full review »