i had a home in san diego ca.i wanted to buy another in ramona ca.at that time the bank was world savings.it then changed to wachovia.it is now wells fargo.the loan officer told us we needed to take out two different loans.one to take money out for a remodel of the original home.at that time it was worth about $950k.there was a loan of about $440k.then we were told we need another loan for the new home, also $440k.we also had to put down $121k.at the time, the new home was bank owned.we made a lower offer.we wwere told we had to pay the full... read full review »