My Wellsfargo Refi Experience (Today)I finally got a hold of someone from a local Wellsfargo loan branch in Ohio.First of all, I want to say that all Wells representatives are very courteous and helpful. I didn't feel like I was rushed or pushed around. So having said that, this is my experience with Wells today.I had initially filled out a "please contact me" form through my wellsfargo.com account. Three days later, someone called me. I didn't get back to him until today (3 days later and it's totally my fault)When I told him my situation (5 yr ARM resetting in 2011), he said that there's not much he can do because I don't have at least 20% equity but he did say that I quality for a "3 Step Refinance". 3 Step Refinance from Wells is apparently a no fee process where all they do is to switch you from one product (ARM) to another (30 year fixed). Sounds good right?So I call the 800 number the first Wells rep gave me.As it turned out, the 3 Step Refi program doesn't apply to me because guess what... I don't have 20% equity.Again, my entire experience has been great. It's really at no fault of Wells that I can't get any help. At any rate, the 3 Step Refi representative advised me that the only thing he can do is to forward my contact information to a regular loan officer and it might take a few business days for someone to get back to me again.At this point, I don't think I can get any help from Wells. I have a feeling that when the regular loan officer will tell me the same thing as what I've been told over and over again today.Thoughts?Thanks!January 22 2009 - Westerville00YesReport 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.