Hi there! We currently have our mortgage through Wells Fargo at 6% interest. We have wonderful credit, but waited to refinance because we thought we might move. Well, that hasn't happened and we are tired of our rate! Called Wells Fargo yesterday and they quoted me 3.5% for 15 years and 3.7% for 20 years. It will cost $1800 to be wrapped up in the loan and $400 out of pocket for an appraisal and credit reports. This sounds expensive - is it??? They wouldn't do a streamline for us on the phone. Anyone know of better deals to do this? Thank you!!!