Wells Fargo 3-step refinancingHi,I tried to refinance my jumbo loan with Wells Fargo 3-step program. I was planning to pay the diffference, so that the new loan is a confirming loan.When I applied, they told me that I could pay the difference between jumbo and confirming loan at closing. I applied 1,5 month ago, everything was approved (appraisal was OK, credit score, etc), they said they will send me all the documents to sign and close this week. But suddenly I find out that underwriters said that I am not eligible, since I have not yet paid the difference between jumbo and conforming loan, and now my applicaiton will be rejected and I have to wait 90 days to reapply again. Before this, all the time on the phone Wells Fargo would tell me that I will have to pay off the difference at closing!Is there anything I could do now? It was 100% their mistake: they advised me to pay at closing, but now they are telling me that I should have paid first. I am looking to refinance from 6.5% that I am paying now for 30 years fixed to something more reasonable without *any fees*. (I now have a jumbo, but I will pay the difference so that I am in conforming loan.) Are there any other programs I could apply without waiting for 90 days?Thanks.February 12 2009 - Monroe11YesReport 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.