MISLEADERS: WACHOVIA MORTGAGE, FSB. We recently refinanced 2 existing Wachovia Mortgages into one. Prior to doing so we spoke with Keith Moses, Wachovia's Mortgage Lending Representative and explained that our intent was to have a lower monthly payment and continue making payments as we had with our two existing loans so we could pay the loan off sooner. We even received a paper at closing that stated there was no pre-penalty for paying this loan off early...well what a scam cause we can no longer make prepayments on this loan as Wachovia... read full review »