HARP Refinance through Wells FargoHello All,I have a 30-year mortgage with lender paid PMI at 5.25%. I've confirmed this mortgage is owned by Fannie Mae so it's eligible for HARP refinance. I have $188,900 balance on it and Fannie Mae's estimated value of my house is $201,300. I'm trying to get it refinanced with 15-year term and get lowest possible rate, but when I checked with someone at Wells Fargo, the best rate they can do is 4.00% with waived $650 origination fee with no point. When I checked the Wells Fargo website, the 15-year rate was 3.375% with 1 point. I have a 700+ credit and no late payments at all. I was told the rate is higher because I have a built-in PMI and LTV rate is high. Is 4.00% reasonable with my situation? Any advices will be appreciated! If you are a mortgage consultant, please feel free to e-mail me at firstname.lastname@example.org. Thanks! October 20 2011 - High Point11YesReport a ProblemProblemSelect oneOffensive contentIrrelevant contentSpam (pure self-promotion)OtherDetailsYour emailPlease enter a valid email address.Submit CancelContent flaggedWe will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.We're sorry. This service is temporarily unavailable. Please come back later and try again.