Don't get a loan from them! Once you have your loan, you are stuck and you will get NO help from Wells Fargo! If you call customer service 3 times in one day, and ask the same question all 3 times, you will get a different answer each time. I have applied 6 times for loan modification under the homeowners affordability and stability program...MANDATED by the US Government. They have NO record of me EVER applying! I have applied online, from their website, using their forms 3 times...no record of it. I've applied 3 times by sending a fax to the Loss Mitigation Dept. No record of it. If you leave a message, nobody ever calls back, the customer service people transfer your call and you get disconneted! They are violating the spirit of the law and they are definitely NOT using MY TAX MONEY to help homeowners!