Need help with my refiHello everyone, I am in the process of refinancing with my current mortgage holder (wells fargo), but I'm getting hesitant, because the rate I'm being offered is higher than what I'm seeing. Here are the details:current mortgage balance 410KHELOC 43KAppraisal 570KI want to refi just my current mortgage and subordinate my HELOC. I am being told that my closing costs would be somewhere around $4900-$5500 which I can roll into the loan, so the new loan would be 415K...no money out of pocket at closing. Rate quote as of today 3.875%. I am close to closing, but I'm second guessing everything now, because of the rate being higher than the norm. Can I do better somewhere else? I know that with Wells Fargo, I don't have to pay the NYS tax and if I go with someone else I would. My goal is to roll all closing costs into the loan and keep the loan under 417KThanks in advance for all your input. October 16 2012 - Plainview00YesReport 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.