Wells Fargo Home mortgage has a "Rate Reduction Simple Refinance" program now for its current mortgage customers. I was able to refinance WITHOUT COST and without an appraisal. My interest rate went from 7% to 5.75% which will reduce my mortgage payment by $150 per month. Now I can pay that to my HEL in order to pay the HEL down more quickly. Woo Hoo!Louise
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