I filed all the paperwork to refinance the adjustable rate loan that I have with Wells Fargo, I just want a fixed loan, as they one I have will adjust in 2 years. I even paid for an appraisal (which showed enough equity to qualify for a 90% loan). Wells Fargo would not except the appraisal and sent their own appraiser out and their appraisal came in $35, 000. less than the first appraisal, so therefore I was not eligible for a refi. So I asked if since I wasn't eligible for a refi would I be eligible for a loan modification. Wells Fargo... read full review »