var json_comments = new Array("<div class=\"comments-content\">        <div class=\"comment\" id=\"comment-12957811\">    <div class=\"inner\">	 <div class=\"user-pic\">                <a href=\"\"><img src=\"/css/images/default.gif\"         width=\"60\" height=\"60\" alt=\"user-pic\" /></a>            </div>        <div class=\"comment-header\">            <div class=\"asset-meta\"> <div class=\"vcard author\">piratebull    </div>				<div class=\"comment-date\"><a href=\"http://consumerist.com/2009/05/wells-fargo-will-let-you-refinance-for-no-closing-costs-online.html#comment-12957811\"><abbr class=\"published\" title=\"2009-05-20T15:39:22-05:00\">May 20, 2009  3:39 PM</abbr></a></div>				<div class=\"comment-moderate\"><span><a href=\"javascript:moderateComment(12957811);\">Moderate</a> |</span>	<script type=\"text/javascript\" src=\"http://consumerist.com/mt-static/plugins/Moderate/moderate.js\"></script>	<script type=\"text/javascript\">		successMsg = \"\";	</script><a href='javascript:void(0)' onClick=\"return moderate(this, 'http://consumerist.com/cgi-bin/mt/plugins/Moderate/moderate.cgi?__mode=flag&comment_id=12957811');\">Flag for review</a></div>            </div>        </div><!-- end comment header -->        <div class=\"comment-content\">            <p>Hopefully other banks will follow WFs lead!</p>        </div>	<div class=\"reply\">	 <div class=\"reply-button\"><a title=\"Reply\" href=\"javascript:void(0);\" onclick=\"mtReplyCommentOnClick(12957811, 'piratebull')\">Reply</a></div>		<!-- if it's a top level category ' -->		    </div><!-- end reply- button -->    </div></div>        <!-- Display comment (top level parent) -->    </div>","<div class=\"comments-content\">        <div class=\"comment\" id=\"comment-12957930\">    <div class=\"inner\">	 <div class=\"user-pic\">        <a href=\"http://consumerist.com/cgi-bin/mt/mt-cp.cgi?__mode=view&amp;amp;blog_id=1&amp;amp;id=87429\"><img        src=\"http://consumerist.com/assets_c/userpics/userpic-87429-100x100.png\"        width=\"60\" height=\"60\" alt=\"user-pic\" /></a>    </div>        <div class=\"comment-header\">            <div class=\"asset-meta\"> <div class=\"vcard author\"><a href=\"http://consumerist.com/cgi-bin/mt/mt-cp.cgi?__mode=view&amp;blog_id=1&amp;id=87429\">Saboth</a>        </div>				<div class=\"comment-date\"><a href=\"http://consumerist.com/2009/05/wells-fargo-will-let-you-refinance-for-no-closing-costs-online.html#comment-12957930\"><abbr class=\"published\" title=\"2009-05-20T15:43:08-05:00\">May 20, 2009  3:43 PM</abbr></a></div>				<div class=\"comment-moderate\"><span><a href=\"javascript:moderateComment(12957930);\">Moderate</a> |</span><a href='javascript:void(0)' onClick=\"return moderate(this, 'http://consumerist.com/cgi-bin/mt/plugins/Moderate/moderate.cgi?__mode=flag&comment_id=12957930');\">Flag for review</a></div>            </div>        </div><!-- end comment header -->        <div class=\"comment-content\">            <p>I'd love to refinance right now, but I can't seem to get anyone to return my emails/calls. I've tried with US Bank (my current mortgage provider) and Suntrust. I know they are supposedly pretty busy, but it's kind of frustrating.</p>        </div>	<div class=\"reply\">	 <div class=\"reply-button\"><a title=\"Reply\" href=\"javascript:void(0);\" onclick=\"mtReplyCommentOnClick(12957930, 'Saboth')\">Reply</a></div>		<!-- if it's a top level category ' -->											<div class=\"num-replies\">5 replies</div>	    </div><!-- end reply- button -->    </div></div>        <!-- Display comment (top level parent) -->     <!-- Loop through the reply comments -->        <div class=\"reply-container\" >            <div class=\"comment\" id=\"comment-12961149\">    <div class=\"inner\">	 <div class=\"user-pic\">        <a href=\"http://consumerist.com/cgi-bin/mt/mt-cp.cgi?__mode=view&amp;amp;blog_id=1&amp;amp;id=495001\"><img        src=\"/css/images/default.gif\"        width=\"60\" height=\"60\" alt=\"user-pic\" /></a>    </div>        <div class=\"comment-header\">            <div class=\"asset-meta\"> <div class=\"vcard author\"><a href=\"http://consumerist.com/cgi-bin/mt/mt-cp.cgi?__mode=view&amp;blog_id=1&amp;id=495001\">lannister80</a>        </div>				<div class=\"comment-date\"><a href=\"http://consumerist.com/2009/05/wells-fargo-will-let-you-refinance-for-no-closing-costs-online.html#comment-12961149\"><abbr class=\"published\" title=\"2009-05-20T17:08:35-05:00\">May 20, 2009  5:08 PM</abbr></a></div>				<div class=\"comment-moderate\"><span><a href=\"javascript:moderateComment(12961149);\">Moderate</a> |</span><a href='javascript:void(0)' onClick=\"return moderate(this, 'http://consumerist.com/cgi-bin/mt/plugins/Moderate/moderate.cgi?__mode=flag&comment_id=12961149');\">Flag for review</a></div>            </div>        </div><!-- end comment header -->        <div class=\"comment-content\">            <p>@<a href=\"#c12957930\" rel=\"nofollow\">Saboth</a>: Try a credit union.  Really!</p>        </div>	<div class=\"reply\">	 <div class=\"reply-button\"><a title=\"Reply\" href=\"javascript:void(0);\" onclick=\"mtReplyCommentOnClick(12961149, 'lannister80')\">Reply</a></div>		 	    </div><!-- end reply- button -->    </div></div>                <!-- Display comment (reply comment, which may be a parent of more replies) -->            <div class=\"inner-reply-container\" >                 <!-- Loop through the reply comments -->        <div class=\"reply-container\" >            <div class=\"comment last\" id=\"comment-12962190\">    <div class=\"inner\">	 <div class=\"user-pic\">        <a href=\"http://consumerist.com/cgi-bin/mt/mt-cp.cgi?__mode=view&amp;amp;blog_id=1&amp;amp;id=586703\"><img        src=\"/css/images/default.gif\"        width=\"60\" height=\"60\" alt=\"user-pic\" /></a>    </div>        <div class=\"comment-header\">            <div class=\"asset-meta\"> <div class=\"vcard author\"><a href=\"http://consumerist.com/cgi-bin/mt/mt-cp.cgi?__mode=view&amp;blog_id=1&amp;id=586703\">aftercancer</a>        </div>				<div class=\"comment-date\"><a href=\"http://consumerist.com/2009/05/wells-fargo-will-let-you-refinance-for-no-closing-costs-online.html#comment-12962190\"><abbr class=\"published\" title=\"2009-05-20T17:34:15-05:00\">May 20, 2009  5:34 PM</abbr></a></div>				<div class=\"comment-moderate\"><span><a href=\"javascript:moderateComment(12962190);\">Moderate</a> |</span><a href='javascript:void(0)' onClick=\"return moderate(this, 'http://consumerist.com/cgi-bin/mt/plugins/Moderate/moderate.cgi?__mode=flag&comment_id=12962190');\">Flag for review</a></div>            </div>        </div><!-- end comment header -->        <div class=\"comment-content\">            <p>@<a href=\"#c12961149\" rel=\"nofollow\">lannister80</a>: I had the same problem with US Bank so I called my plain old bank and they got the whole thing done in two weeks. With the exception of the closing the entire transaction was done via e-mail and postal mail.</p>        </div>	<div class=\"reply\">	 <div class=\"reply-button\"><a title=\"Reply\" href=\"javascript:void(0);\" onclick=\"mtReplyCommentOnClick(12962190, 'aftercancer')\">Reply</a></div>		 	    </div><!-- end reply- button -->    </div></div>                <!-- Display comment (reply comment, which may be a parent of more replies) -->            <div class=\"inner-reply-container\" >                 <!-- For each reply comment, recursively display any reply comments -->          	    </div>        	</div>     <!-- For each reply comment, recursively display any reply comments -->          	    </div>        	     <!-- Loop through the reply comments -->                    <div class=\"comment\" id=\"comment-12959626\">    <div class=\"inner\">	 <div class=\"user-pic\">        <a href=\"http://consumerist.com/cgi-bin/mt/mt-cp.cgi?__mode=view&amp;amp;blog_id=1&amp;amp;id=61811\"><img        src=\"/css/images/default.gif\"        width=\"60\" height=\"60\" alt=\"user-pic\" /></a>    </div>        <div class=\"comment-header\">            <div class=\"asset-meta\"> <div class=\"vcard author\"><a href=\"http://consumerist.com/cgi-bin/mt/mt-cp.cgi?__mode=view&amp;blog_id=1&amp;id=61811\">Big Poppa Pimp</a>        </div>				<div class=\"comment-date\"><a href=\"http://consumerist.com/2009/05/wells-fargo-will-let-you-refinance-for-no-closing-costs-online.html#comment-12959626\"><abbr class=\"published\" title=\"2009-05-20T16:29:25-05:00\">May 20, 2009  4:29 PM</abbr></a></div>				<div class=\"comment-moderate\"><span><a href=\"javascript:moderateComment(12959626);\">Moderate</a> |</span><a href='javascript:void(0)' onClick=\"return moderate(this, 'http://consumerist.com/cgi-bin/mt/plugins/Moderate/moderate.cgi?__mode=flag&comment_id=12959626');\">Flag for review</a></div>            </div>        </div><!-- end comment header -->        <div class=\"comment-content\">            <p><p>@<a href=\"http://consumerist.com/5261979/wells-fargo-will-let-you-refinance-for-no-closing-costs-online#c12957930\" rel=\"nofollow\">Saboth</a>: I had the same problem with Wells Fargo. They were great at first, talked me into doing the credit app and had a great rate. Then I could not get a call back because they were so busy. In fact, after I finally called the office manager, I received a call from the broker saying she did not receive any of my messages since there may have been a problem with the voicemail. She also lied about the date I originally filed the credit app even though I had emails to prove otherwise. I decided to cut my losses and move on even though I had always thought of WF as a decent company. I wound up doing business with another bank which wrapped everything up right on schedule.</p></p>        </div>	<div class=\"reply\">	 <div class=\"reply-button\"><a title=\"Reply\" href=\"javascript:void(0);\" onclick=\"mtReplyCommentOnClick(12959626, 'Big Poppa Pimp')\">Reply</a></div>		 	    </div><!-- end reply- button -->    </div></div>                <!-- Display comment (reply comment, which may be a parent of more replies) -->            <div class=\"inner-reply-container\" >                 <!-- For each reply comment, recursively display any reply comments -->          	    </div>        	     <!-- Loop through the reply comments -->                    <div class=\"comment last\" id=\"comment-12958835\">    <div class=\"inner\">	 <div class=\"user-pic\">        <a href=\"http://consumerist.com/cgi-bin/mt/mt-cp.cgi?__mode=view&amp;amp;blog_id=1&amp;amp;id=144398\"><img        src=\"http://consumerist.com/assets_c/userpics/userpic-144398-100x100.png\"        width=\"60\" height=\"60\" alt=\"user-pic\" /></a>    </div>        <div class=\"comment-header\">            <div class=\"asset-meta\"> <div class=\"vcard author\"><a href=\"http://consumerist.com/cgi-bin/mt/mt-cp.cgi?__mode=view&amp;blog_id=1&amp;id=144398\">Illusio26</a>        </div>				<div class=\"comment-date\"><a href=\"http://consumerist.com/2009/05/wells-fargo-will-let-you-refinance-for-no-closing-costs-online.html#comment-12958835\"><abbr class=\"published\" title=\"2009-05-20T16:08:32-05:00\">May 20, 2009  4:08 PM</abbr></a></div>				<div class=\"comment-moderate\"><span><a href=\"javascript:moderateComment(12958835);\">Moderate</a> |</span><a href='javascript:void(0)' onClick=\"return moderate(this, 'http://consumerist.com/cgi-bin/mt/plugins/Moderate/moderate.cgi?__mode=flag&comment_id=12958835');\">Flag for review</a></div>            </div>        </div><!-- end comment header -->        <div class=\"comment-content\">            <p>@<a href=\"#c12957930\" rel=\"nofollow\">Saboth</a>: I'm having the same issue with US Bank. I asked them for a refi, and the CSR said a loan officer would call me withing 30 days. As soon as I hung up, I said to my wife \"we'll never get a call\" <br />Sure enough, that was months ago and we never got a call.</p>        </div>	<div class=\"reply\">	 <div class=\"reply-button\"><a title=\"Reply\" href=\"javascript:void(0);\" onclick=\"mtReplyCommentOnClick(12958835, 'Illusio26')\">Reply</a></div>		 	    </div><!-- end reply- button -->    </div></div>                <!-- Display comment (reply comment, which may be a parent of more replies) -->            <div class=\"inner-reply-container\" >                 <!-- Loop through the reply comments -->        <div class=\"reply-container\" >            <div class=\"comment last\" id=\"comment-12959542\">    <div class=\"inner\">	 <div class=\"user-pic\">        <a href=\"http://consumerist.com/cgi-bin/mt/mt-cp.cgi?__mode=view&amp;amp;blog_id=1&amp;amp;id=87429\"><img        src=\"http://consumerist.com/assets_c/userpics/userpic-87429-100x100.png\"        width=\"60\" height=\"60\" alt=\"user-pic\" /></a>    </div>        <div class=\"comment-header\">            <div class=\"asset-meta\"> <div class=\"vcard author\"><a href=\"http://consumerist.com/cgi-bin/mt/mt-cp.cgi?__mode=view&amp;blog_id=1&amp;id=87429\">Saboth</a>        </div>				<div class=\"comment-date\"><a href=\"http://consumerist.com/2009/05/wells-fargo-will-let-you-refinance-for-no-closing-costs-online.html#comment-12959542\"><abbr class=\"published\" title=\"2009-05-20T16:27:35-05:00\">May 20, 2009  4:27 PM</abbr></a></div>				<div class=\"comment-moderate\"><span><a href=\"javascript:moderateComment(12959542);\">Moderate</a> |</span><a href='javascript:void(0)' onClick=\"return moderate(this, 'http://consumerist.com/cgi-bin/mt/plugins/Moderate/moderate.cgi?__mode=flag&comment_id=12959542');\">Flag for review</a></div>            </div>        </div><!-- end comment header -->        <div class=\"comment-content\">            <p>@<a href=\"#c12958835\" rel=\"nofollow\">darkjedi26</a>:</p><p>Guess they are waiting for rates to go back up, lol.</p>        </div>	<div class=\"reply\">	 <div class=\"reply-button\"><a title=\"Reply\" href=\"javascript:void(0);\" onclick=\"mtReplyCommentOnClick(12959542, 'Saboth')\">Reply</a></div>		 	    </div><!-- end reply- button -->    </div></div>                <!-- Display comment (reply comment, which may be a parent of more replies) -->            <div class=\"inner-reply-container\" >                 <!-- For each reply comment, recursively display any reply comments -->          	    </div>        	</div>     <!-- For each reply comment, recursively display any reply comments -->          	    </div>        	</div>    </div>","<div class=\"comments-content\">        <div class=\"comment\" id=\"comment-12957954\">    <div class=\"inner\">	 <div class=\"user-pic\">        <a href=\"http://consumerist.com/cgi-bin/mt/mt-cp.cgi?__mode=view&amp;amp;blog_id=1&amp;amp;id=841594\"><img        src=\"http://consumerist.com/assets_c/userpics/userpic-841594-100x100.png\"        width=\"60\" height=\"60\" alt=\"user-pic\" /></a>    </div>        <div class=\"comment-header\">            <div class=\"asset-meta\"> <div class=\"vcard author\"><a href=\"http://consumerist.com/cgi-bin/mt/mt-cp.cgi?__mode=view&amp;blog_id=1&amp;id=841594\">WelcomeToMyWorld</a>        </div>				<div class=\"comment-date\"><a href=\"http://consumerist.com/2009/05/wells-fargo-will-let-you-refinance-for-no-closing-costs-online.html#comment-12957954\"><abbr class=\"published\" title=\"2009-05-20T15:43:45-05:00\">May 20, 2009  3:43 PM</abbr></a></div>				<div class=\"comment-moderate\"><span><a href=\"javascript:moderateComment(12957954);\">Moderate</a> |</span><a href='javascript:void(0)' onClick=\"return moderate(this, 'http://consumerist.com/cgi-bin/mt/plugins/Moderate/moderate.cgi?__mode=flag&comment_id=12957954');\">Flag for review</a></div>            </div>        </div><!-- end comment header -->        <div class=\"comment-content\">            <p><p>Hoo-Ray for Wells Fargo! I hope WaMu is listening.</p></p>        </div>	<div class=\"reply\">	 <div class=\"reply-button\"><a title=\"Reply\" href=\"javascript:void(0);\" onclick=\"mtReplyCommentOnClick(12957954, 'WelcomeToMyWorld')\">Reply</a></div>		<!-- if it's a top level category ' -->							<div class=\"num-replies\">1 replies</div>	    </div><!-- end reply- button -->    </div></div>        <!-- Display comment (top level parent) -->     <!-- Loop through the reply comments -->        <div class=\"reply-container\" >            <div class=\"comment last\" id=\"comment-12960830\">    <div class=\"inner\">	 <div class=\"user-pic\">        <a href=\"http://consumerist.com/cgi-bin/mt/mt-cp.cgi?__mode=view&amp;amp;blog_id=1&amp;amp;id=117360\"><img        src=\"http://consumerist.com/assets_c/userpics/userpic-117360-100x100.png\"        width=\"60\" height=\"60\" alt=\"user-pic\" /></a>    </div>        <div class=\"comment-header\">            <div class=\"asset-meta\"> <div class=\"vcard author\"><a href=\"http://consumerist.com/cgi-bin/mt/mt-cp.cgi?__mode=view&amp;blog_id=1&amp;id=117360\">azntg</a>        </div>				<div class=\"comment-date\"><a href=\"http://consumerist.com/2009/05/wells-fargo-will-let-you-refinance-for-no-closing-costs-online.html#comment-12960830\"><abbr class=\"published\" title=\"2009-05-20T16:59:56-05:00\">May 20, 2009  4:59 PM</abbr></a></div>				<div class=\"comment-moderate\"><span><a href=\"javascript:moderateComment(12960830);\">Moderate</a> |</span><a href='javascript:void(0)' onClick=\"return moderate(this, 'http://consumerist.com/cgi-bin/mt/plugins/Moderate/moderate.cgi?__mode=flag&comment_id=12960830');\">Flag for review</a></div>            </div>        </div><!-- end comment header -->        <div class=\"comment-content\">            <p>@<a href=\"#c12957954\" rel=\"nofollow\">Harry Pothead</a>: WaMu's only a ghost at this point. It's JPMC that has to listen and they probably won't due to their current market position.</p>        </div>	<div class=\"reply\">	 <div class=\"reply-button\"><a title=\"Reply\" href=\"javascript:void(0);\" onclick=\"mtReplyCommentOnClick(12960830, 'azntg')\">Reply</a></div>		 	    </div><!-- end reply- button -->    </div></div>                <!-- Display comment (reply comment, which may be a parent of more replies) -->            <div class=\"inner-reply-container\" >                 <!-- For each reply comment, recursively display any reply comments -->          	    </div>        	</div>    </div>","<div class=\"comments-content\">        <div class=\"comment\" id=\"comment-12958270\">    <div class=\"inner\">	 <div class=\"user-pic\">        <a href=\"http://consumerist.com/cgi-bin/mt/mt-cp.cgi?__mode=view&amp;amp;blog_id=1&amp;amp;id=61766\"><img        src=\"/css/images/default.gif\"        width=\"60\" height=\"60\" alt=\"user-pic\" /></a>    </div>        <div class=\"comment-header\">            <div class=\"asset-meta\"> <div class=\"vcard author\"><a href=\"http://consumerist.com/cgi-bin/mt/mt-cp.cgi?__mode=view&amp;blog_id=1&amp;id=61766\">rbb</a>        </div>				<div class=\"comment-date\"><a href=\"http://consumerist.com/2009/05/wells-fargo-will-let-you-refinance-for-no-closing-costs-online.html#comment-12958270\"><abbr class=\"published\" title=\"2009-05-20T15:52:48-05:00\">May 20, 2009  3:52 PM</abbr></a></div>				<div class=\"comment-moderate\"><span><a href=\"javascript:moderateComment(12958270);\">Moderate</a> |</span><a href='javascript:void(0)' onClick=\"return moderate(this, 'http://consumerist.com/cgi-bin/mt/plugins/Moderate/moderate.cgi?__mode=flag&comment_id=12958270');\">Flag for review</a></div>            </div>        </div><!-- end comment header -->        <div class=\"comment-content\">            <p>I have WF right now for my mortgage right now.  I have refinanced twice to a lower rate with no costs.  I used to be impressed with the fact that if you called them asking for a loan payoff amount, they would politely ask first if you would like to refinance with them.</p><p>I still have over twice the equity in my house than the loan value and no credit card debt.  I do have a home equity loan that I can pay off at anytime.  But, I tried it again a couple of weeks ago.  After giving them all the information (again) that they already have during a 30 minute phone call, the best they could do for me was to refi for a longer term at my existing rate.</p><p>No thanks.  Pentagon Federal, here I come...</p>        </div>	<div class=\"reply\">	 <div class=\"reply-button\"><a title=\"Reply\" href=\"javascript:void(0);\" onclick=\"mtReplyCommentOnClick(12958270, 'rbb')\">Reply</a></div>		<!-- if it's a top level category ' -->		    </div><!-- end reply- button -->    </div></div>        <!-- Display comment (top level parent) -->    </div>","<div class=\"comments-content\">        <div class=\"comment\" id=\"comment-12958521\">    <div class=\"inner\">	 <div class=\"user-pic\">        <a href=\"http://consumerist.com/cgi-bin/mt/mt-cp.cgi?__mode=view&amp;amp;blog_id=1&amp;amp;id=388500\"><img        src=\"/css/images/default.gif\"        width=\"60\" height=\"60\" alt=\"user-pic\" /></a>    </div>        <div class=\"comment-header\">            <div class=\"asset-meta\"> <div class=\"vcard author\"><a href=\"http://consumerist.com/cgi-bin/mt/mt-cp.cgi?__mode=view&amp;blog_id=1&amp;id=388500\">dtmoore</a>        </div>				<div class=\"comment-date\"><a href=\"http://consumerist.com/2009/05/wells-fargo-will-let-you-refinance-for-no-closing-costs-online.html#comment-12958521\"><abbr class=\"published\" title=\"2009-05-20T15:59:16-05:00\">May 20, 2009  3:59 PM</abbr></a></div>				<div class=\"comment-moderate\"><span><a href=\"javascript:moderateComment(12958521);\">Moderate</a> |</span><a href='javascript:void(0)' onClick=\"return moderate(this, 'http://consumerist.com/cgi-bin/mt/plugins/Moderate/moderate.cgi?__mode=flag&comment_id=12958521');\">Flag for review</a></div>            </div>        </div><!-- end comment header -->        <div class=\"comment-content\">            <p>Filled out the form, although I've only had the mortgage for 2 years and with the decline in property values I'm not sure I have any equity in the house.  Still worth a shot I guess, I'm certain I have much better credit now than I did 2 years ago with getting all my CC's paid off and a couple other loans payed way down as well.  Might be able to drop a point of my mortgage.</p>        </div>	<div class=\"reply\">	 <div class=\"reply-button\"><a title=\"Reply\" href=\"javascript:void(0);\" onclick=\"mtReplyCommentOnClick(12958521, 'dtmoore')\">Reply</a></div>		<!-- if it's a top level category ' -->		    </div><!-- end reply- button -->    </div></div>        <!-- Display comment (top level parent) -->    </div>","<div class=\"comments-content\">        <div class=\"comment\" id=\"comment-12958541\">    <div class=\"inner\">	 <div class=\"user-pic\">        <a href=\"http://consumerist.com/cgi-bin/mt/mt-cp.cgi?__mode=view&amp;amp;blog_id=1&amp;amp;id=110151\"><img        src=\"/css/images/default.gif\"        width=\"60\" height=\"60\" alt=\"user-pic\" /></a>    </div>        <div class=\"comment-header\">            <div class=\"asset-meta\"> <div class=\"vcard author\"><a href=\"http://consumerist.com/cgi-bin/mt/mt-cp.cgi?__mode=view&amp;blog_id=1&amp;id=110151\">balthisar</a>        </div>				<div class=\"comment-date\"><a href=\"http://consumerist.com/2009/05/wells-fargo-will-let-you-refinance-for-no-closing-costs-online.html#comment-12958541\"><abbr class=\"published\" title=\"2009-05-20T15:59:49-05:00\">May 20, 2009  3:59 PM</abbr></a></div>				<div class=\"comment-moderate\"><span><a href=\"javascript:moderateComment(12958541);\">Moderate</a> |</span><a href='javascript:void(0)' onClick=\"return moderate(this, 'http://consumerist.com/cgi-bin/mt/plugins/Moderate/moderate.cgi?__mode=flag&comment_id=12958541');\">Flag for review</a></div>            </div>        </div><!-- end comment header -->        <div class=\"comment-content\">            <p>Just confirming, the OP says, \"home equity lines of credit.\" To me, that's not the same as a \"home equity loan.\" So having a second is fine?</p>        </div>	<div class=\"reply\">	 <div class=\"reply-button\"><a title=\"Reply\" href=\"javascript:void(0);\" onclick=\"mtReplyCommentOnClick(12958541, 'balthisar')\">Reply</a></div>		<!-- if it's a top level category ' -->		    </div><!-- end reply- button -->    </div></div>        <!-- Display comment (top level parent) -->    </div>","<div class=\"comments-content\">        <div class=\"comment\" id=\"comment-12958692\">    <div class=\"inner\">	 <div class=\"user-pic\">        <a href=\"http://consumerist.com/cgi-bin/mt/mt-cp.cgi?__mode=view&amp;amp;blog_id=1&amp;amp;id=314258\"><img        src=\"/css/images/default.gif\"        width=\"60\" height=\"60\" alt=\"user-pic\" /></a>    </div>        <div class=\"comment-header\">            <div class=\"asset-meta\"> <div class=\"vcard author\"><a href=\"http://consumerist.com/cgi-bin/mt/mt-cp.cgi?__mode=view&amp;blog_id=1&amp;id=314258\">mcs328</a>        </div>				<div class=\"comment-date\"><a href=\"http://consumerist.com/2009/05/wells-fargo-will-let-you-refinance-for-no-closing-costs-online.html#comment-12958692\"><abbr class=\"published\" title=\"2009-05-20T16:04:51-05:00\">May 20, 2009  4:04 PM</abbr></a></div>				<div class=\"comment-moderate\"><span><a href=\"javascript:moderateComment(12958692);\">Moderate</a> |</span><a href='javascript:void(0)' onClick=\"return moderate(this, 'http://consumerist.com/cgi-bin/mt/plugins/Moderate/moderate.cgi?__mode=flag&comment_id=12958692');\">Flag for review</a></div>            </div>        </div><!-- end comment header -->        <div class=\"comment-content\">            <p>I tried this a month ago over the phone and was told no unless my home was worth 30% more than my outstanding amount.  It wasn't of course by 30% but anywhere between 0%-25% based on fluctuating sold prices in the past 6 months.  I have no other debt, paid on time and the mortgage is based solely on my salary alone.  I didn't even count my wife's salary.  Salary isn't even a factor if I wanted to refi with WF.</p>        </div>	<div class=\"reply\">	 <div class=\"reply-button\"><a title=\"Reply\" href=\"javascript:void(0);\" onclick=\"mtReplyCommentOnClick(12958692, 'mcs328')\">Reply</a></div>		<!-- if it's a top level category ' -->		    </div><!-- end reply- button -->    </div></div>        <!-- Display comment (top level parent) -->    </div>","<div class=\"comments-content\">        <div class=\"comment\" id=\"comment-12958725\">    <div class=\"inner\">	 <div class=\"user-pic\">                <a href=\"\"><img src=\"/css/images/default.gif\"         width=\"60\" height=\"60\" alt=\"user-pic\" /></a>            </div>        <div class=\"comment-header\">            <div class=\"asset-meta\"> <div class=\"vcard author\">Jeremy Milum    </div>				<div class=\"comment-date\"><a href=\"http://consumerist.com/2009/05/wells-fargo-will-let-you-refinance-for-no-closing-costs-online.html#comment-12958725\"><abbr class=\"published\" title=\"2009-05-20T16:05:42-05:00\">May 20, 2009  4:05 PM</abbr></a></div>				<div class=\"comment-moderate\"><span><a href=\"javascript:moderateComment(12958725);\">Moderate</a> |</span><a href='javascript:void(0)' onClick=\"return moderate(this, 'http://consumerist.com/cgi-bin/mt/plugins/Moderate/moderate.cgi?__mode=flag&comment_id=12958725');\">Flag for review</a></div>            </div>        </div><!-- end comment header -->        <div class=\"comment-content\">            <p>I have a home equity loan through wells fargo as well as my main mortgage and I was able to do their 123 refi w/ no closing costs.</p>        </div>	<div class=\"reply\">	 <div class=\"reply-button\"><a title=\"Reply\" href=\"javascript:void(0);\" onclick=\"mtReplyCommentOnClick(12958725, 'Jeremy Milum')\">Reply</a></div>		<!-- if it's a top level category ' -->		    </div><!-- end reply- button -->    </div></div>        <!-- Display comment (top level parent) -->    </div>","<div class=\"comments-content\">        <div class=\"comment\" id=\"comment-12958778\">    <div class=\"inner\">	 <div class=\"user-pic\">        <a href=\"http://consumerist.com/cgi-bin/mt/mt-cp.cgi?__mode=view&amp;amp;blog_id=1&amp;amp;id=297061\"><img        src=\"http://consumerist.com/assets_c/userpics/userpic-297061-100x100.png\"        width=\"60\" height=\"60\" alt=\"user-pic\" /></a>    </div>        <div class=\"comment-header\">            <div class=\"asset-meta\"> <div class=\"vcard author\"><a href=\"http://consumerist.com/cgi-bin/mt/mt-cp.cgi?__mode=view&amp;blog_id=1&amp;id=297061\">highpitch_83</a>        </div>				<div class=\"comment-date\"><a href=\"http://consumerist.com/2009/05/wells-fargo-will-let-you-refinance-for-no-closing-costs-online.html#comment-12958778\"><abbr class=\"published\" title=\"2009-05-20T16:07:08-05:00\">May 20, 2009  4:07 PM</abbr></a></div>				<div class=\"comment-moderate\"><span><a href=\"javascript:moderateComment(12958778);\">Moderate</a> |</span><a href='javascript:void(0)' onClick=\"return moderate(this, 'http://consumerist.com/cgi-bin/mt/plugins/Moderate/moderate.cgi?__mode=flag&comment_id=12958778');\">Flag for review</a></div>            </div>        </div><!-- end comment header -->        <div class=\"comment-content\">            <p>Just filled out the form, we'll see what they come back with!</p>        </div>	<div class=\"reply\">	 <div class=\"reply-button\"><a title=\"Reply\" href=\"javascript:void(0);\" onclick=\"mtReplyCommentOnClick(12958778, 'highpitch_83')\">Reply</a></div>		<!-- if it's a top level category ' -->		    </div><!-- end reply- button -->    </div></div>        <!-- Display comment (top level parent) -->    </div>","<div class=\"comments-content\">        <div class=\"comment\" id=\"comment-12958791\">    <div class=\"inner\">	 <div class=\"user-pic\">                <a href=\"\"><img src=\"/css/images/default.gif\"         width=\"60\" height=\"60\" alt=\"user-pic\" /></a>            </div>        <div class=\"comment-header\">            <div class=\"asset-meta\"> <div class=\"vcard author\">Anonymous    </div>				<div class=\"comment-date\"><a href=\"http://consumerist.com/2009/05/wells-fargo-will-let-you-refinance-for-no-closing-costs-online.html#comment-12958791\"><abbr class=\"published\" title=\"2009-05-20T16:07:31-05:00\">May 20, 2009  4:07 PM</abbr></a></div>				<div class=\"comment-moderate\"><span><a href=\"javascript:moderateComment(12958791);\">Moderate</a> |</span><a href='javascript:void(0)' onClick=\"return moderate(this, 'http://consumerist.com/cgi-bin/mt/plugins/Moderate/moderate.cgi?__mode=flag&comment_id=12958791');\">Flag for review</a></div>            </div>        </div><!-- end comment header -->        <div class=\"comment-content\">            <p>Sure sounds like a great deal, except if you reside in a handful of states, New Mexico being one of them.  I attempted to refi using this method only to find my NO cost option would cost more than $4k to implement.  WF stands by the fact this is open to all customers.  However this could not be further from the truth.  Think that WF is putting on a good PR face, but the follow thru is less than satisfactory.   </p>        </div>	<div class=\"reply\">	 <div class=\"reply-button\"><a title=\"Reply\" href=\"javascript:void(0);\" onclick=\"mtReplyCommentOnClick(12958791, '')\">Reply</a></div>		<!-- if it's a top level category ' -->		    </div><!-- end reply- button -->    </div></div>        <!-- Display comment (top level parent) -->    </div>","<div class=\"comments-content\">        <div class=\"comment\" id=\"comment-12958820\">    <div class=\"inner\">	 <div class=\"user-pic\">        <a href=\"http://consumerist.com/cgi-bin/mt/mt-cp.cgi?__mode=view&amp;amp;blog_id=1&amp;amp;id=1043049\"><img        src=\"/css/images/default.gif\"        width=\"60\" height=\"60\" alt=\"user-pic\" /></a>    </div>        <div class=\"comment-header\">            <div class=\"asset-meta\"> <div class=\"vcard author\"><a href=\"http://consumerist.com/cgi-bin/mt/mt-cp.cgi?__mode=view&amp;blog_id=1&amp;id=1043049\">BrandonNC</a>        </div>				<div class=\"comment-date\"><a href=\"http://consumerist.com/2009/05/wells-fargo-will-let-you-refinance-for-no-closing-costs-online.html#comment-12958820\"><abbr class=\"published\" title=\"2009-05-20T16:08:04-05:00\">May 20, 2009  4:08 PM</abbr></a></div>				<div class=\"comment-moderate\"><span><a href=\"javascript:moderateComment(12958820);\">Moderate</a> |</span><a href='javascript:void(0)' onClick=\"return moderate(this, 'http://consumerist.com/cgi-bin/mt/plugins/Moderate/moderate.cgi?__mode=flag&comment_id=12958820');\">Flag for review</a></div>            </div>        </div><!-- end comment header -->        <div class=\"comment-content\">            <p>Any clue if this applies to Wachovia mortgages now that WF owns them?  Having gone from a two-job income to one, any drop in our monthly payment would be a relief.</p>        </div>	<div class=\"reply\">	 <div class=\"reply-button\"><a title=\"Reply\" href=\"javascript:void(0);\" onclick=\"mtReplyCommentOnClick(12958820, 'BrandonNC')\">Reply</a></div>		<!-- if it's a top level category ' -->							<div class=\"num-replies\">1 replies</div>	    </div><!-- end reply- button -->    </div></div>        <!-- Display comment (top level parent) -->     <!-- Loop through the reply comments -->        <div class=\"reply-container\" >            <div class=\"comment last\" id=\"comment-12986278\">    <div class=\"inner\">	 <div class=\"user-pic\">                <a href=\"\"><img src=\"/css/images/default.gif\"         width=\"60\" height=\"60\" alt=\"user-pic\" /></a>            </div>        <div class=\"comment-header\">            <div class=\"asset-meta\"> <div class=\"vcard author\">Anonymous    </div>				<div class=\"comment-date\"><a href=\"http://consumerist.com/2009/05/wells-fargo-will-let-you-refinance-for-no-closing-costs-online.html#comment-12986278\"><abbr class=\"published\" title=\"2009-05-21T15:27:12-05:00\">May 21, 2009  3:27 PM</abbr></a></div>				<div class=\"comment-moderate\"><span><a href=\"javascript:moderateComment(12986278);\">Moderate</a> |</span><a href='javascript:void(0)' onClick=\"return moderate(this, 'http://consumerist.com/cgi-bin/mt/plugins/Moderate/moderate.cgi?__mode=flag&comment_id=12986278');\">Flag for review</a></div>            </div>        </div><!-- end comment header -->        <div class=\"comment-content\">            <p>@<a href=\"#c12958820\" rel=\"nofollow\">BrandonNC</a>: <p>I also have a Wachovia mortgage.  I filled out the application yesterday, and was contacted within a few hours.  It seems that they just stared processing Wachovia mortgages in the last few days, so I was able to get a new quote on that mortgage.</p></p>        </div>	<div class=\"reply\">	 <div class=\"reply-button\"><a title=\"Reply\" href=\"javascript:void(0);\" onclick=\"mtReplyCommentOnClick(12986278, '')\">Reply</a></div>		 	    </div><!-- end reply- button -->    </div></div>                <!-- Display comment (reply comment, which may be a parent of more replies) -->            <div class=\"inner-reply-container\" >                 <!-- For each reply comment, recursively display any reply comments -->          	    </div>        	</div>    </div>","","<div class=\"comments-content\">        <div class=\"comment\" id=\"comment-12958942\">    <div class=\"inner\">	 <div class=\"user-pic\">        <a href=\"http://consumerist.com/cgi-bin/mt/mt-cp.cgi?__mode=view&amp;amp;blog_id=1&amp;amp;id=259013\"><img        src=\"http://consumerist.com/assets_c/userpics/userpic-259013-100x100.png\"        width=\"60\" height=\"60\" alt=\"user-pic\" /></a>    </div>        <div class=\"comment-header\">            <div class=\"asset-meta\"> <div class=\"vcard author\"><a href=\"http://consumerist.com/cgi-bin/mt/mt-cp.cgi?__mode=view&amp;blog_id=1&amp;id=259013\">nataku8_e30</a>        </div>				<div class=\"comment-date\"><a href=\"http://consumerist.com/2009/05/wells-fargo-will-let-you-refinance-for-no-closing-costs-online.html#comment-12958942\"><abbr class=\"published\" title=\"2009-05-20T16:11:59-05:00\">May 20, 2009  4:11 PM</abbr></a></div>				<div class=\"comment-moderate\"><span><a href=\"javascript:moderateComment(12958942);\">Moderate</a> |</span><a href='javascript:void(0)' onClick=\"return moderate(this, 'http://consumerist.com/cgi-bin/mt/plugins/Moderate/moderate.cgi?__mode=flag&comment_id=12958942');\">Flag for review</a></div>            </div>        </div><!-- end comment header -->        <div class=\"comment-content\">            <p>so did you lower your payment so much by extending the length of the mortgage?</p>        </div>	<div class=\"reply\">	 <div class=\"reply-button\"><a title=\"Reply\" href=\"javascript:void(0);\" onclick=\"mtReplyCommentOnClick(12958942, 'nataku8_e30')\">Reply</a></div>		<!-- if it's a top level category ' -->		    </div><!-- end reply- button -->    </div></div>        <!-- Display comment (top level parent) -->    </div>","<div class=\"comments-content\">        <div class=\"comment\" id=\"comment-12959010\">    <div class=\"inner\">	 <div class=\"user-pic\">        <a href=\"http://consumerist.com/cgi-bin/mt/mt-cp.cgi?__mode=view&amp;amp;blog_id=1&amp;amp;id=83253\"><img        src=\"/css/images/default.gif\"        width=\"60\" height=\"60\" alt=\"user-pic\" /></a>    </div>        <div class=\"comment-header\">            <div class=\"asset-meta\"> <div class=\"vcard author\"><a href=\"http://consumerist.com/cgi-bin/mt/mt-cp.cgi?__mode=view&amp;blog_id=1&amp;id=83253\">bostonmike</a>        </div>				<div class=\"comment-date\"><a href=\"http://consumerist.com/2009/05/wells-fargo-will-let-you-refinance-for-no-closing-costs-online.html#comment-12959010\"><abbr class=\"published\" title=\"2009-05-20T16:13:45-05:00\">May 20, 2009  4:13 PM</abbr></a></div>				<div class=\"comment-moderate\"><span><a href=\"javascript:moderateComment(12959010);\">Moderate</a> |</span><a href='javascript:void(0)' onClick=\"return moderate(this, 'http://consumerist.com/cgi-bin/mt/plugins/Moderate/moderate.cgi?__mode=flag&comment_id=12959010');\">Flag for review</a></div>            </div>        </div><!-- end comment header -->        <div class=\"comment-content\">            <p>A home equity loan and a home equity line of credit will have the same priority problems for refinancing, since Wells Fargo doesn't want to have their primary mortgage drop in priority.</p><p>If your only goal is to lower your monthly payment, then you might find it worth refinancing even to a higher rate if you can extend the term from the term left on your current mortgage. In that equation, it doesn't matter what term your mortgage was originally for, it just matters how many years are left on it now. But you should keep in mind that you can wind up never paying off your mortgage if you keep refinancing to the same term as your original mortgage.</p>        </div>	<div class=\"reply\">	 <div class=\"reply-button\"><a title=\"Reply\" href=\"javascript:void(0);\" onclick=\"mtReplyCommentOnClick(12959010, 'bostonmike')\">Reply</a></div>		<!-- if it's a top level category ' -->								<div class=\"num-replies\">2 replies</div>	    </div><!-- end reply- button -->    </div></div>        <!-- Display comment (top level parent) -->     <!-- Loop through the reply comments -->        <div class=\"reply-container\" >            <div class=\"comment last\" id=\"comment-12962934\">    <div class=\"inner\">	 <div class=\"user-pic\">        <a href=\"http://consumerist.com/cgi-bin/mt/mt-cp.cgi?__mode=view&amp;amp;blog_id=1&amp;amp;id=110151\"><img        src=\"/css/images/default.gif\"        width=\"60\" height=\"60\" alt=\"user-pic\" /></a>    </div>        <div class=\"comment-header\">            <div class=\"asset-meta\"> <div class=\"vcard author\"><a href=\"http://consumerist.com/cgi-bin/mt/mt-cp.cgi?__mode=view&amp;blog_id=1&amp;id=110151\">balthisar</a>        </div>				<div class=\"comment-date\"><a href=\"http://consumerist.com/2009/05/wells-fargo-will-let-you-refinance-for-no-closing-costs-online.html#comment-12962934\"><abbr class=\"published\" title=\"2009-05-20T17:52:31-05:00\">May 20, 2009  5:52 PM</abbr></a></div>				<div class=\"comment-moderate\"><span><a href=\"javascript:moderateComment(12962934);\">Moderate</a> |</span><a href='javascript:void(0)' onClick=\"return moderate(this, 'http://consumerist.com/cgi-bin/mt/plugins/Moderate/moderate.cgi?__mode=flag&comment_id=12962934');\">Flag for review</a></div>            </div>        </div><!-- end comment header -->        <div class=\"comment-content\">            <p>@<a href=\"#c12959010\" rel=\"nofollow\">bostonmike</a>: Most states have mechanisms to permit refinanced mortgages to maintain the same priority above second mortgages, i.e., they don't drop in position.</p>        </div>	<div class=\"reply\">	 <div class=\"reply-button\"><a title=\"Reply\" href=\"javascript:void(0);\" onclick=\"mtReplyCommentOnClick(12962934, 'balthisar')\">Reply</a></div>		 	    </div><!-- end reply- button -->    </div></div>                <!-- Display comment (reply comment, which may be a parent of more replies) -->            <div class=\"inner-reply-container\" >                 <!-- Loop through the reply comments -->        <div class=\"reply-container\" >            <div class=\"comment last\" id=\"comment-12982127\">    <div class=\"inner\">	 <div class=\"user-pic\">        <a href=\"http://consumerist.com/cgi-bin/mt/mt-cp.cgi?__mode=view&amp;amp;blog_id=1&amp;amp;id=83253\"><img        src=\"/css/images/default.gif\"        width=\"60\" height=\"60\" alt=\"user-pic\" /></a>    </div>        <div class=\"comment-header\">            <div class=\"asset-meta\"> <div class=\"vcard author\"><a href=\"http://consumerist.com/cgi-bin/mt/mt-cp.cgi?__mode=view&amp;blog_id=1&amp;id=83253\">bostonmike</a>        </div>				<div class=\"comment-date\"><a href=\"http://consumerist.com/2009/05/wells-fargo-will-let-you-refinance-for-no-closing-costs-online.html#comment-12982127\"><abbr class=\"published\" title=\"2009-05-21T11:44:11-05:00\">May 21, 2009 11:44 AM</abbr></a></div>				<div class=\"comment-moderate\"><span><a href=\"javascript:moderateComment(12982127);\">Moderate</a> |</span><a href='javascript:void(0)' onClick=\"return moderate(this, 'http://consumerist.com/cgi-bin/mt/plugins/Moderate/moderate.cgi?__mode=flag&comment_id=12982127');\">Flag for review</a></div>            </div>        </div><!-- end comment header -->        <div class=\"comment-content\">            <p>@<a href=\"#c12962934\" rel=\"nofollow\">balthisar</a>: All states have those mechanisms, but in most states it's extra paperwork and slower. Which is why Wells Fargo won't let you do the streamlined refi if you have a second.</p>        </div>	<div class=\"reply\">	 <div class=\"reply-button\"><a title=\"Reply\" href=\"javascript:void(0);\" onclick=\"mtReplyCommentOnClick(12982127, 'bostonmike')\">Reply</a></div>		 	    </div><!-- end reply- button -->    </div></div>                <!-- Display comment (reply comment, which may be a parent of more replies) -->            <div class=\"inner-reply-container\" >                 <!-- For each reply comment, recursively display any reply comments -->          	    </div>        	</div>     <!-- For each reply comment, recursively display any reply comments -->          	    </div>        	</div>    </div>","<div class=\"comments-content\">        <div class=\"comment\" id=\"comment-12959102\">    <div class=\"inner\">	 <div class=\"user-pic\">        <a href=\"http://consumerist.com/cgi-bin/mt/mt-cp.cgi?__mode=view&amp;amp;blog_id=1&amp;amp;id=570783\"><img        src=\"/css/images/default.gif\"        width=\"60\" height=\"60\" alt=\"user-pic\" /></a>    </div>        <div class=\"comment-header\">            <div class=\"asset-meta\"> <div class=\"vcard author\"><a href=\"http://consumerist.com/cgi-bin/mt/mt-cp.cgi?__mode=view&amp;blog_id=1&amp;id=570783\">HarlanIshame</a>        </div>				<div class=\"comment-date\"><a href=\"http://consumerist.com/2009/05/wells-fargo-will-let-you-refinance-for-no-closing-costs-online.html#comment-12959102\"><abbr class=\"published\" title=\"2009-05-20T16:16:18-05:00\">May 20, 2009  4:16 PM</abbr></a></div>				<div class=\"comment-moderate\"><span><a href=\"javascript:moderateComment(12959102);\">Moderate</a> |</span><a href='javascript:void(0)' onClick=\"return moderate(this, 'http://consumerist.com/cgi-bin/mt/plugins/Moderate/moderate.cgi?__mode=flag&comment_id=12959102');\">Flag for review</a></div>            </div>        </div><!-- end comment header -->        <div class=\"comment-content\">            <p>This is great, I did a refi about 3 months ago and the rates were around 5.5%...wells fargo picked up my mortgage so I guess I'll give it a try and see if I can refi for free to something a bit lower.<p>There is also a link on the main WF page that lets you look at current interest rates...not sure how accurate they are though.</p></p>        </div>	<div class=\"reply\">	 <div class=\"reply-button\"><a title=\"Reply\" href=\"javascript:void(0);\" onclick=\"mtReplyCommentOnClick(12959102, 'HarlanIshame')\">Reply</a></div>		<!-- if it's a top level category ' -->		    </div><!-- end reply- button -->    </div></div>        <!-- Display comment (top level parent) -->    </div>","<div class=\"comments-content\">        <div class=\"comment\" id=\"comment-12959123\">    <div class=\"inner\">	 <div class=\"user-pic\">                <a href=\"\"><img src=\"/css/images/default.gif\"         width=\"60\" height=\"60\" alt=\"user-pic\" /></a>            </div>        <div class=\"comment-header\">            <div class=\"asset-meta\"> <div class=\"vcard author\">Anonymous    </div>				<div class=\"comment-date\"><a href=\"http://consumerist.com/2009/05/wells-fargo-will-let-you-refinance-for-no-closing-costs-online.html#comment-12959123\"><abbr class=\"published\" title=\"2009-05-20T16:16:38-05:00\">May 20, 2009  4:16 PM</abbr></a></div>				<div class=\"comment-moderate\"><span><a href=\"javascript:moderateComment(12959123);\">Moderate</a> |</span><a href='javascript:void(0)' onClick=\"return moderate(this, 'http://consumerist.com/cgi-bin/mt/plugins/Moderate/moderate.cgi?__mode=flag&comment_id=12959123');\">Flag for review</a></div>            </div>        </div><!-- end comment header -->        <div class=\"comment-content\">            <p>I just called in and was told you do have to have 20% equity to qualify for this option.  But its always worth checking.</p>        </div>	<div class=\"reply\">	 <div class=\"reply-button\"><a title=\"Reply\" href=\"javascript:void(0);\" onclick=\"mtReplyCommentOnClick(12959123, '')\">Reply</a></div>		<!-- if it's a top level category ' -->		    </div><!-- end reply- button -->    </div></div>        <!-- Display comment (top level parent) -->    </div>","<div class=\"comments-content\">        <div class=\"comment\" id=\"comment-12959420\">    <div class=\"inner\">	 <div class=\"user-pic\">        <a href=\"http://consumerist.com/cgi-bin/mt/mt-cp.cgi?__mode=view&amp;amp;blog_id=1&amp;amp;id=546292\"><img        src=\"/css/images/default.gif\"        width=\"60\" height=\"60\" alt=\"user-pic\" /></a>    </div>        <div class=\"comment-header\">            <div class=\"asset-meta\"> <div class=\"vcard author\"><a href=\"http://consumerist.com/cgi-bin/mt/mt-cp.cgi?__mode=view&amp;blog_id=1&amp;id=546292\">TheFuzz53</a>        </div>				<div class=\"comment-date\"><a href=\"http://consumerist.com/2009/05/wells-fargo-will-let-you-refinance-for-no-closing-costs-online.html#comment-12959420\"><abbr class=\"published\" title=\"2009-05-20T16:24:50-05:00\">May 20, 2009  4:24 PM</abbr></a></div>				<div class=\"comment-moderate\"><span><a href=\"javascript:moderateComment(12959420);\">Moderate</a> |</span><a href='javascript:void(0)' onClick=\"return moderate(this, 'http://consumerist.com/cgi-bin/mt/plugins/Moderate/moderate.cgi?__mode=flag&comment_id=12959420');\">Flag for review</a></div>            </div>        </div><!-- end comment header -->        <div class=\"comment-content\">            <p>How big of a mortgage do you need to drop $200 on an 1/8 point?  I just refinanced from 6.125% to 4.875% and lowered the payment by $230.</p>        </div>	<div class=\"reply\">	 <div class=\"reply-button\"><a title=\"Reply\" href=\"javascript:void(0);\" onclick=\"mtReplyCommentOnClick(12959420, 'TheFuzz53')\">Reply</a></div>		<!-- if it's a top level category ' -->								<div class=\"num-replies\">2 replies</div>	    </div><!-- end reply- button -->    </div></div>        <!-- Display comment (top level parent) -->     <!-- Loop through the reply comments -->        <div class=\"reply-container\" >            <div class=\"comment\" id=\"comment-12984155\">    <div class=\"inner\">	 <div class=\"user-pic\">        <a href=\"http://consumerist.com/cgi-bin/mt/mt-cp.cgi?__mode=view&amp;amp;blog_id=1&amp;amp;id=589009\"><img        src=\"/css/images/default.gif\"        width=\"60\" height=\"60\" alt=\"user-pic\" /></a>    </div>        <div class=\"comment-header\">            <div class=\"asset-meta\"> <div class=\"vcard author\"><a href=\"http://consumerist.com/cgi-bin/mt/mt-cp.cgi?__mode=view&amp;blog_id=1&amp;id=589009\">GildaKorn</a>        </div>				<div class=\"comment-date\"><a href=\"http://consumerist.com/2009/05/wells-fargo-will-let-you-refinance-for-no-closing-costs-online.html#comment-12984155\"><abbr class=\"published\" title=\"2009-05-21T14:07:45-05:00\">May 21, 2009  2:07 PM</abbr></a></div>				<div class=\"comment-moderate\"><span><a href=\"javascript:moderateComment(12984155);\">Moderate</a> |</span><a href='javascript:void(0)' onClick=\"return moderate(this, 'http://consumerist.com/cgi-bin/mt/plugins/Moderate/moderate.cgi?__mode=flag&comment_id=12984155');\">Flag for review</a></div>            </div>        </div><!-- end comment header -->        <div class=\"comment-content\">            <p>@<a href=\"#c12959420\" rel=\"nofollow\">TheFuzz53</a>: In addition to what bostonmike said, you can also lower your payment by making bigger principal payments on your current mortgage and then refinancing.</p>        </div>	<div class=\"reply\">	 <div class=\"reply-button\"><a title=\"Reply\" href=\"javascript:void(0);\" onclick=\"mtReplyCommentOnClick(12984155, 'GildaKorn')\">Reply</a></div>		 	    </div><!-- end reply- button -->    </div></div>                <!-- Display comment (reply comment, which may be a parent of more replies) -->            <div class=\"inner-reply-container\" >                 <!-- For each reply comment, recursively display any reply comments -->          	    </div>        	     <!-- Loop through the reply comments -->                    <div class=\"comment last\" id=\"comment-12960048\">    <div class=\"inner\">	 <div class=\"user-pic\">        <a href=\"http://consumerist.com/cgi-bin/mt/mt-cp.cgi?__mode=view&amp;amp;blog_id=1&amp;amp;id=83253\"><img        src=\"/css/images/default.gif\"        width=\"60\" height=\"60\" alt=\"user-pic\" /></a>    </div>        <div class=\"comment-header\">            <div class=\"asset-meta\"> <div class=\"vcard author\"><a href=\"http://consumerist.com/cgi-bin/mt/mt-cp.cgi?__mode=view&amp;blog_id=1&amp;id=83253\">bostonmike</a>        </div>				<div class=\"comment-date\"><a href=\"http://consumerist.com/2009/05/wells-fargo-will-let-you-refinance-for-no-closing-costs-online.html#comment-12960048\"><abbr class=\"published\" title=\"2009-05-20T16:40:33-05:00\">May 20, 2009  4:40 PM</abbr></a></div>				<div class=\"comment-moderate\"><span><a href=\"javascript:moderateComment(12960048);\">Moderate</a> |</span><a href='javascript:void(0)' onClick=\"return moderate(this, 'http://consumerist.com/cgi-bin/mt/plugins/Moderate/moderate.cgi?__mode=flag&comment_id=12960048');\">Flag for review</a></div>            </div>        </div><!-- end comment header -->        <div class=\"comment-content\">            <p>@<a href=\"#c12959420\" rel=\"nofollow\">TheFuzz53</a>: It's not about how big the mortgage is, it's about how much longer the new mortgage is than the years left on the existing mortgage.</p>        </div>	<div class=\"reply\">	 <div class=\"reply-button\"><a title=\"Reply\" href=\"javascript:void(0);\" onclick=\"mtReplyCommentOnClick(12960048, 'bostonmike')\">Reply</a></div>		 	    </div><!-- end reply- button -->    </div></div>                <!-- Display comment (reply comment, which may be a parent of more replies) -->            <div class=\"inner-reply-container\" >                 <!-- For each reply comment, recursively display any reply comments -->          	    </div>        	</div>    </div>","","","<div class=\"comments-content\">        <div class=\"comment\" id=\"comment-12959669\">    <div class=\"inner\">	 <div class=\"user-pic\">        <a href=\"http://consumerist.com/cgi-bin/mt/mt-cp.cgi?__mode=view&amp;amp;blog_id=1&amp;amp;id=414028\"><img        src=\"/css/images/default.gif\"        width=\"60\" height=\"60\" alt=\"user-pic\" /></a>    </div>        <div class=\"comment-header\">            <div class=\"asset-meta\"> <div class=\"vcard author\"><a href=\"http://consumerist.com/cgi-bin/mt/mt-cp.cgi?__mode=view&amp;blog_id=1&amp;id=414028\">henrygates</a>        </div>				<div class=\"comment-date\"><a href=\"http://consumerist.com/2009/05/wells-fargo-will-let-you-refinance-for-no-closing-costs-online.html#comment-12959669\"><abbr class=\"published\" title=\"2009-05-20T16:30:44-05:00\">May 20, 2009  4:30 PM</abbr></a></div>				<div class=\"comment-moderate\"><span><a href=\"javascript:moderateComment(12959669);\">Moderate</a> |</span><a href='javascript:void(0)' onClick=\"return moderate(this, 'http://consumerist.com/cgi-bin/mt/plugins/Moderate/moderate.cgi?__mode=flag&comment_id=12959669');\">Flag for review</a></div>            </div>        </div><!-- end comment header -->        <div class=\"comment-content\">            <p>We had our mortgage with Wells Fargo for 5 years (30 fixed). When we refinanced 2 months ago, WF wouldn't even TALK to us. 5 years of perfect mortgage history with them (plus bank and credit card accounts with perfect history), more than enough equity (we pay 10% extra each month into the principle), 800+ credit scores for both of us, over 5 years at the same job with suitable income, and they weren't interested. And we had $15k in hand for $2-3k in closing costs and any amount they wanted as down payment into the principle. We called, filled out the online forms (which just went into a black hole I gather) and went into branches - the loan officer at the branch couldn't even be bothered to come downstairs to talk to us! And now they're refinancing for free??</p><p>I have enjoyed doing business with WF over the last 15 years, but they just didn't want our business. Other banks of course were clamoring for our loan so we went elsewhere and refinanced at just under 5%. I hope others have more luck.</p>        </div>	<div class=\"reply\">	 <div class=\"reply-button\"><a title=\"Reply\" href=\"javascript:void(0);\" onclick=\"mtReplyCommentOnClick(12959669, 'henrygates')\">Reply</a></div>		<!-- if it's a top level category ' -->								<div class=\"num-replies\">2 replies</div>	    </div><!-- end reply- button -->    </div></div>        <!-- Display comment (top level parent) -->     <!-- Loop through the reply comments -->        <div class=\"reply-container\" >            <div class=\"comment\" id=\"comment-12968147\">    <div class=\"inner\">	 <div class=\"user-pic\">                <a href=\"http://trulymadlyme.blogspot.com/\"><img src=\"/css/images/default.gif\"         width=\"60\" height=\"60\" alt=\"user-pic\" /></a>            </div>        <div class=\"comment-header\">            <div class=\"asset-meta\"> <div class=\"vcard author\"><a title=\"http://trulymadlyme.blogspot.com/\" href=\"http://trulymadlyme.blogspot.com/\" rel=\"nofollow\">Trulymadlyme</a>    </div>				<div class=\"comment-date\"><a href=\"http://consumerist.com/2009/05/wells-fargo-will-let-you-refinance-for-no-closing-costs-online.html#comment-12968147\"><abbr class=\"published\" title=\"2009-05-20T20:14:54-05:00\">May 20, 2009  8:14 PM</abbr></a></div>				<div class=\"comment-moderate\"><span><a href=\"javascript:moderateComment(12968147);\">Moderate</a> |</span><a href='javascript:void(0)' onClick=\"return moderate(this, 'http://consumerist.com/cgi-bin/mt/plugins/Moderate/moderate.cgi?__mode=flag&comment_id=12968147');\">Flag for review</a></div>            </div>        </div><!-- end comment header -->        <div class=\"comment-content\">            <p>@<a href=\"#c12959669\" rel=\"nofollow\">henrygates</a>: Ditto. 4 years perfect payments, excellent credit. Went with Chase.</p>        </div>	<div class=\"reply\">	 <div class=\"reply-button\"><a title=\"Reply\" href=\"javascript:void(0);\" onclick=\"mtReplyCommentOnClick(12968147, 'Trulymadlyme')\">Reply</a></div>		 	    </div><!-- end reply- button -->    </div></div>                <!-- Display comment (reply comment, which may be a parent of more replies) -->            <div class=\"inner-reply-container\" >                 <!-- For each reply comment, recursively display any reply comments -->          	    </div>        	     <!-- Loop through the reply comments -->                    <div class=\"comment last\" id=\"comment-12961126\">    <div class=\"inner\">	 <div class=\"user-pic\">        <a href=\"http://consumerist.com/cgi-bin/mt/mt-cp.cgi?__mode=view&amp;amp;blog_id=1&amp;amp;id=1050\"><img        src=\"http://consumerist.com/assets_c/userpics/userpic-1050-100x100.png\"        width=\"60\" height=\"60\" alt=\"user-pic\" /></a>    </div>        <div class=\"comment-header\">            <div class=\"asset-meta\"> <div class=\"vcard author\"><a href=\"http://consumerist.com/cgi-bin/mt/mt-cp.cgi?__mode=view&amp;blog_id=1&amp;id=1050\">MikeHerbst</a>        </div>				<div class=\"comment-date\"><a href=\"http://consumerist.com/2009/05/wells-fargo-will-let-you-refinance-for-no-closing-costs-online.html#comment-12961126\"><abbr class=\"published\" title=\"2009-05-20T17:08:13-05:00\">May 20, 2009  5:08 PM</abbr></a></div>				<div class=\"comment-moderate\"><span><a href=\"javascript:moderateComment(12961126);\">Moderate</a> |</span><a href='javascript:void(0)' onClick=\"return moderate(this, 'http://consumerist.com/cgi-bin/mt/plugins/Moderate/moderate.cgi?__mode=flag&comment_id=12961126');\">Flag for review</a></div>            </div>        </div><!-- end comment header -->        <div class=\"comment-content\">            <p>@<a href=\"#c12959669\" rel=\"nofollow\">henrygates</a>:</p><p>This is about where we are too.  We have great credit, solid job history, combined income of $150k+, a pile of cash on hand (in WF accounts no less), loads of other Wells Fargo account \"products\", etc.</p><p>However, we do, admittedly, have a poor LTV ratio (but still above water) right now because of the sag in comps pricing.  We probably could buy in to the principal and adjust the LTV a bit if they asked us to, but we can't even get a discussion going.  We've been here for a while, and plan on staying for a LONG while, so resetting the clock on my 30-year doesn't scare me that much.</p>        </div>	<div class=\"reply\">	 <div class=\"reply-button\"><a title=\"Reply\" href=\"javascript:void(0);\" onclick=\"mtReplyCommentOnClick(12961126, 'MikeHerbst')\">Reply</a></div>		 	    </div><!-- end reply- button -->    </div></div>                <!-- Display comment (reply comment, which may be a parent of more replies) -->            <div class=\"inner-reply-container\" >                 <!-- For each reply comment, recursively display any reply comments -->          	    </div>        	</div>    </div>","<div class=\"comments-content\">        <div class=\"comment\" id=\"comment-12959781\">    <div class=\"inner\">	 <div class=\"user-pic\">        <a href=\"http://consumerist.com/cgi-bin/mt/mt-cp.cgi?__mode=view&amp;amp;blog_id=1&amp;amp;id=301238\"><img        src=\"/css/images/default.gif\"        width=\"60\" height=\"60\" alt=\"user-pic\" /></a>    </div>        <div class=\"comment-header\">            <div class=\"asset-meta\"> <div class=\"vcard author\"><a href=\"http://consumerist.com/cgi-bin/mt/mt-cp.cgi?__mode=view&amp;blog_id=1&amp;id=301238\">bingo-ok</a>        </div>				<div class=\"comment-date\"><a href=\"http://consumerist.com/2009/05/wells-fargo-will-let-you-refinance-for-no-closing-costs-online.html#comment-12959781\"><abbr class=\"published\" title=\"2009-05-20T16:34:17-05:00\">May 20, 2009  4:34 PM</abbr></a></div>				<div class=\"comment-moderate\"><span><a href=\"javascript:moderateComment(12959781);\">Moderate</a> |</span><a href='javascript:void(0)' onClick=\"return moderate(this, 'http://consumerist.com/cgi-bin/mt/plugins/Moderate/moderate.cgi?__mode=flag&comment_id=12959781');\">Flag for review</a></div>            </div>        </div><!-- end comment header -->        <div class=\"comment-content\">            <p>Say I have an ARM through Wells Fargo that I'd like to refinance, and the first to restrictions are true, but I got divorced (and kept the house) since then.  Does that count as the name changing on the title?</p>        </div>	<div class=\"reply\">	 <div class=\"reply-button\"><a title=\"Reply\" href=\"javascript:void(0);\" onclick=\"mtReplyCommentOnClick(12959781, 'bingo-ok')\">Reply</a></div>		<!-- if it's a top level category ' -->		    </div><!-- end reply- button -->    </div></div>        <!-- Display comment (top level parent) -->    </div>","<div class=\"comments-content\">        <div class=\"comment\" id=\"comment-12960032\">    <div class=\"inner\">	 <div class=\"user-pic\">                <a href=\"\"><img src=\"/css/images/default.gif\"         width=\"60\" height=\"60\" alt=\"user-pic\" /></a>            </div>        <div class=\"comment-header\">            <div class=\"asset-meta\"> <div class=\"vcard author\">Anonymous    </div>				<div class=\"comment-date\"><a href=\"http://consumerist.com/2009/05/wells-fargo-will-let-you-refinance-for-no-closing-costs-online.html#comment-12960032\"><abbr class=\"published\" title=\"2009-05-20T16:40:03-05:00\">May 20, 2009  4:40 PM</abbr></a></div>				<div class=\"comment-moderate\"><span><a href=\"javascript:moderateComment(12960032);\">Moderate</a> |</span><a href='javascript:void(0)' onClick=\"return moderate(this, 'http://consumerist.com/cgi-bin/mt/plugins/Moderate/moderate.cgi?__mode=flag&comment_id=12960032');\">Flag for review</a></div>            </div>        </div><!-- end comment header -->        <div class=\"comment-content\">            <p>Hmm.  Have only a mortgage with 32% equity, great credit score, loan less than 6 months old, never changed title owners.  Called and they said I did not qualify.  The irritating thing is they can't (or don't) tell you why.</p>        </div>	<div class=\"reply\">	 <div class=\"reply-button\"><a title=\"Reply\" href=\"javascript:void(0);\" onclick=\"mtReplyCommentOnClick(12960032, '')\">Reply</a></div>		<!-- if it's a top level category ' -->							<div class=\"num-replies\">1 replies</div>	    </div><!-- end reply- button -->    </div></div>        <!-- Display comment (top level parent) -->     <!-- Loop through the reply comments -->        <div class=\"reply-container\" >            <div class=\"comment last\" id=\"comment-12966674\">    <div class=\"inner\">	 <div class=\"user-pic\">        <a href=\"http://consumerist.com/cgi-bin/mt/mt-cp.cgi?__mode=view&amp;amp;blog_id=1&amp;amp;id=426969\"><img        src=\"http://consumerist.com/assets_c/userpics/userpic-426969-100x100.png\"        width=\"60\" height=\"60\" alt=\"user-pic\" /></a>    </div>        <div class=\"comment-header\">            <div class=\"asset-meta\"> <div class=\"vcard author\"><a href=\"http://consumerist.com/cgi-bin/mt/mt-cp.cgi?__mode=view&amp;blog_id=1&amp;id=426969\">Scoobatz</a>        </div>				<div class=\"comment-date\"><a href=\"http://consumerist.com/2009/05/wells-fargo-will-let-you-refinance-for-no-closing-costs-online.html#comment-12966674\"><abbr class=\"published\" title=\"2009-05-20T19:37:13-05:00\">May 20, 2009  7:37 PM</abbr></a></div>				<div class=\"comment-moderate\"><span><a href=\"javascript:moderateComment(12966674);\">Moderate</a> |</span><a href='javascript:void(0)' onClick=\"return moderate(this, 'http://consumerist.com/cgi-bin/mt/plugins/Moderate/moderate.cgi?__mode=flag&comment_id=12966674');\">Flag for review</a></div>            </div>        </div><!-- end comment header -->        <div class=\"comment-content\">            <p><p>@<a href=\"http://consumerist.com/5261979/wells-fargo-will-let-you-refinance-for-no-closing-costs-online#c12960032\" rel=\"nofollow\">DonnaLilja</a>: One possibility is there may be some fine print in your primary mortgage that prohibits you from re-financing in the first year. Rare, but I have seen this happen before.</p><br /><p>And, of course, the bank likes to make up their own rules as they see fit.</p></p>        </div>	<div class=\"reply\">	 <div class=\"reply-button\"><a title=\"Reply\" href=\"javascript:void(0);\" onclick=\"mtReplyCommentOnClick(12966674, 'Scoobatz')\">Reply</a></div>		 	    </div><!-- end reply- button -->    </div></div>                <!-- Display comment (reply comment, which may be a parent of more replies) -->            <div class=\"inner-reply-container\" >                 <!-- For each reply comment, recursively display any reply comments -->          	    </div>        	</div>    </div>","","<div class=\"comments-content\">        <div class=\"comment\" id=\"comment-12960108\">    <div class=\"inner\">	 <div class=\"user-pic\">                <a href=\"\"><img src=\"/css/images/default.gif\"         width=\"60\" height=\"60\" alt=\"user-pic\" /></a>            </div>        <div class=\"comment-header\">            <div class=\"asset-meta\"> <div class=\"vcard author\">Anonymous    </div>				<div class=\"comment-date\"><a href=\"http://consumerist.com/2009/05/wells-fargo-will-let-you-refinance-for-no-closing-costs-online.html#comment-12960108\"><abbr class=\"published\" title=\"2009-05-20T16:41:44-05:00\">May 20, 2009  4:41 PM</abbr></a></div>				<div class=\"comment-moderate\"><span><a href=\"javascript:moderateComment(12960108);\">Moderate</a> |</span><a href='javascript:void(0)' onClick=\"return moderate(this, 'http://consumerist.com/cgi-bin/mt/plugins/Moderate/moderate.cgi?__mode=flag&comment_id=12960108');\">Flag for review</a></div>            </div>        </div><!-- end comment header -->        <div class=\"comment-content\">            <p>I am completely done with Wells Fargo; our mortgage is with them currently, but won't be for long.<p>Two months ago I called and asked to refinance. They said no. I called a different mortgage broker and got a quote, then called Wells Fargo back and they were suddenly eager to refinance. I was promised a mortgage agent would call me back.</p><p>12 days later I call and ask why I haven't heard anything yet. They say it should take up to 7 days... \"Oh, it seems that's past. I'm sorry...\" apologize and give me names of two local Wells Fargo mortgage agents. Calls to both agents have gone completely without a response for 14 days.</p><p>They're obviously not interested in whatever my mortgage needs are at the moment, and so even with thousands in closing costs, it's worth it for me to look elsewhere. (It's worth noting that the CSR's who I originally spoke to were all sympathetic and happy to give me information on refinancing -- but the actual people who would do the refinancing for me don't seem to be alive, let alone able to talk.)</p></p>        </div>	<div class=\"reply\">	 <div class=\"reply-button\"><a title=\"Reply\" href=\"javascript:void(0);\" onclick=\"mtReplyCommentOnClick(12960108, '')\">Reply</a></div>		<!-- if it's a top level category ' -->		    </div><!-- end reply- button -->    </div></div>        <!-- Display comment (top level parent) -->    </div>","<div class=\"comments-content\">        <div class=\"comment\" id=\"comment-12960468\">    <div class=\"inner\">	 <div class=\"user-pic\">        <a href=\"http://consumerist.com/cgi-bin/mt/mt-cp.cgi?__mode=view&amp;amp;blog_id=1&amp;amp;id=471344\"><img        src=\"/css/images/default.gif\"        width=\"60\" height=\"60\" alt=\"user-pic\" /></a>    </div>        <div class=\"comment-header\">            <div class=\"asset-meta\"> <div class=\"vcard author\"><a href=\"http://consumerist.com/cgi-bin/mt/mt-cp.cgi?__mode=view&amp;blog_id=1&amp;id=471344\">jigwashere</a>        </div>				<div class=\"comment-date\"><a href=\"http://consumerist.com/2009/05/wells-fargo-will-let-you-refinance-for-no-closing-costs-online.html#comment-12960468\"><abbr class=\"published\" title=\"2009-05-20T16:50:45-05:00\">May 20, 2009  4:50 PM</abbr></a></div>				<div class=\"comment-moderate\"><span><a href=\"javascript:moderateComment(12960468);\">Moderate</a> |</span><a href='javascript:void(0)' onClick=\"return moderate(this, 'http://consumerist.com/cgi-bin/mt/plugins/Moderate/moderate.cgi?__mode=flag&comment_id=12960468');\">Flag for review</a></div>            </div>        </div><!-- end comment header -->        <div class=\"comment-content\">            <p>I have a 7 year balloon mortgage with Citimortgage at 6% that matures 6/1/09.  Citimortgage is working with me to \"reset\" the mortgage to 5% for the remaining 23 years.  Closing costs (some fees and taxes)are less than $500 which I'll make up for in a few months with the lower payment.</p>        </div>	<div class=\"reply\">	 <div class=\"reply-button\"><a title=\"Reply\" href=\"javascript:void(0);\" onclick=\"mtReplyCommentOnClick(12960468, 'jigwashere')\">Reply</a></div>		<!-- if it's a top level category ' -->							<div class=\"num-replies\">1 replies</div>	    </div><!-- end reply- button -->    </div></div>        <!-- Display comment (top level parent) -->     <!-- Loop through the reply comments -->        <div class=\"reply-container\" >            <div class=\"comment last\" id=\"comment-12961340\">    <div class=\"inner\">	 <div class=\"user-pic\">        <a href=\"http://consumerist.com/cgi-bin/mt/mt-cp.cgi?__mode=view&amp;amp;blog_id=1&amp;amp;id=495001\"><img        src=\"/css/images/default.gif\"        width=\"60\" height=\"60\" alt=\"user-pic\" /></a>    </div>        <div class=\"comment-header\">            <div class=\"asset-meta\"> <div class=\"vcard author\"><a href=\"http://consumerist.com/cgi-bin/mt/mt-cp.cgi?__mode=view&amp;blog_id=1&amp;id=495001\">lannister80</a>        </div>				<div class=\"comment-date\"><a href=\"http://consumerist.com/2009/05/wells-fargo-will-let-you-refinance-for-no-closing-costs-online.html#comment-12961340\"><abbr class=\"published\" title=\"2009-05-20T17:13:17-05:00\">May 20, 2009  5:13 PM</abbr></a></div>				<div class=\"comment-moderate\"><span><a href=\"javascript:moderateComment(12961340);\">Moderate</a> |</span><a href='javascript:void(0)' onClick=\"return moderate(this, 'http://consumerist.com/cgi-bin/mt/plugins/Moderate/moderate.cgi?__mode=flag&comment_id=12961340');\">Flag for review</a></div>            </div>        </div><!-- end comment header -->        <div class=\"comment-content\">            <p>@<a href=\"#c12960468\" rel=\"nofollow\">jigwashere</a>: Are you one lucky duck.  What rate would the balloon go to on 6/1?</p>        </div>	<div class=\"reply\">	 <div class=\"reply-button\"><a title=\"Reply\" href=\"javascript:void(0);\" onclick=\"mtReplyCommentOnClick(12961340, 'lannister80')\">Reply</a></div>		 	    </div><!-- end reply- button -->    </div></div>                <!-- Display comment (reply comment, which may be a parent of more replies) -->            <div class=\"inner-reply-container\" >                 <!-- For each reply comment, recursively display any reply comments -->          	    </div>        	</div>    </div>","","","","","","","<div class=\"comments-content\">        <div class=\"comment\" id=\"comment-12965905\">    <div class=\"inner\">	 <div class=\"user-pic\">                <a href=\"\"><img src=\"/css/images/default.gif\"         width=\"60\" height=\"60\" alt=\"user-pic\" /></a>            </div>        <div class=\"comment-header\">            <div class=\"asset-meta\"> <div class=\"vcard author\">Anonymous    </div>				<div class=\"comment-date\"><a href=\"http://consumerist.com/2009/05/wells-fargo-will-let-you-refinance-for-no-closing-costs-online.html#comment-12965905\"><abbr class=\"published\" title=\"2009-05-20T19:17:14-05:00\">May 20, 2009  7:17 PM</abbr></a></div>				<div class=\"comment-moderate\"><span><a href=\"javascript:moderateComment(12965905);\">Moderate</a> |</span><a href='javascript:void(0)' onClick=\"return moderate(this, 'http://consumerist.com/cgi-bin/mt/plugins/Moderate/moderate.cgi?__mode=flag&comment_id=12965905');\">Flag for review</a></div>            </div>        </div><!-- end comment header -->        <div class=\"comment-content\">            <p>My parents tried to refi with Wells Fargo.  Wells Fargo agreed, drew up all the paperwork, no conditions, and THEN told my parents they would have to reduce their never-used HELOC from $50K to $30K.<p>OK, fine.</p><p>My parents did that.</p><p>Then Wells Fargo came back after the HELOC was reduced and said no, sorry, the whole refi offer is rescinded, go jump in a lake.</p></p>        </div>	<div class=\"reply\">	 <div class=\"reply-button\"><a title=\"Reply\" href=\"javascript:void(0);\" onclick=\"mtReplyCommentOnClick(12965905, '')\">Reply</a></div>		<!-- if it's a top level category ' -->		    </div><!-- end reply- button -->    </div></div>        <!-- Display comment (top level parent) -->    </div>","","","","","","<div class=\"comments-content\">        <div class=\"comment\" id=\"comment-12997540\">    <div class=\"inner\">	 <div class=\"user-pic\">                <a href=\"\"><img src=\"/css/images/default.gif\"         width=\"60\" height=\"60\" alt=\"user-pic\" /></a>            </div>        <div class=\"comment-header\">            <div class=\"asset-meta\"> <div class=\"vcard author\">Anonymous    </div>				<div class=\"comment-date\"><a href=\"http://consumerist.com/2009/05/wells-fargo-will-let-you-refinance-for-no-closing-costs-online.html#comment-12997540\"><abbr class=\"published\" title=\"2009-05-21T20:51:09-05:00\">May 21, 2009  8:51 PM</abbr></a></div>				<div class=\"comment-moderate\"><span><a href=\"javascript:moderateComment(12997540);\">Moderate</a> |</span><a href='javascript:void(0)' onClick=\"return moderate(this, 'http://consumerist.com/cgi-bin/mt/plugins/Moderate/moderate.cgi?__mode=flag&comment_id=12997540');\">Flag for review</a></div>            </div>        </div><!-- end comment header -->        <div class=\"comment-content\">            <p>Of course WF wants you to refi for \"free\". This is one of the great scams foisted on America by the banks. The \"free\" loan will result in tens or even hundreds of thousands more in interest over the life of the loan. The only ones who should use the \"free\" refi are those who will be in the loan no more than 12-24 months.</p>        </div>	<div class=\"reply\">	 <div class=\"reply-button\"><a title=\"Reply\" href=\"javascript:void(0);\" onclick=\"mtReplyCommentOnClick(12997540, '')\">Reply</a></div>		<!-- if it's a top level category ' -->							<div class=\"num-replies\">1 replies</div>	    </div><!-- end reply- button -->    </div></div>        <!-- Display comment (top level parent) -->     <!-- Loop through the reply comments -->        <div class=\"reply-container\" >            <div class=\"comment last\" id=\"comment-20474841\">    <div class=\"inner\">	 <div class=\"user-pic\">        <a href=\"http://consumerist.com/cgi-bin/mt/mt-cp.cgi?__mode=view&amp;amp;blog_id=1&amp;amp;id=1552537\"><img        src=\"/css/images/default.gif\"        width=\"60\" height=\"60\" alt=\"user-pic\" /></a>    </div>        <div class=\"comment-header\">            <div class=\"asset-meta\"> <div class=\"vcard author\"><a href=\"http://consumerist.com/cgi-bin/mt/mt-cp.cgi?__mode=view&amp;blog_id=1&amp;id=1552537\">TimWells Fargo</a>        </div>				<div class=\"comment-date\"><a href=\"http://consumerist.com/2009/05/wells-fargo-will-let-you-refinance-for-no-closing-costs-online.html#comment-20474841\"><abbr class=\"published\" title=\"2010-10-15T14:35:33-05:00\">October 15, 2010  2:35 PM</abbr></a></div>				<div class=\"comment-moderate\"><span><a href=\"javascript:moderateComment(20474841);\">Moderate</a> |</span><a href='javascript:void(0)' onClick=\"return moderate(this, 'http://consumerist.com/cgi-bin/mt/plugins/Moderate/moderate.cgi?__mode=flag&comment_id=20474841');\">Flag for review</a></div>            </div>        </div><!-- end comment header -->        <div class=\"comment-content\">            <p>It's not necerally true. 3-step Express express they Wells Fargo can be a great program for the customer. Some people get interest lower then the market rate if their loan balance is higher. As far as I know it's a customer retention program and a lot of people are reluctutant to refinance due to the closing cost expenses... <br />Make sense to me...</p>        </div>	<div class=\"reply\">	 <div class=\"reply-button\"><a title=\"Reply\" href=\"javascript:void(0);\" onclick=\"mtReplyCommentOnClick(20474841, 'TimWells Fargo')\">Reply</a></div>		 	    </div><!-- end reply- button -->    </div></div>                <!-- Display comment (reply comment, which may be a parent of more replies) -->            <div class=\"inner-reply-container\" >                 <!-- For each reply comment, recursively display any reply comments -->          	    </div>        	</div>    </div>","");