Wells fargo "NO COST REFINANCE"? Truly a NO COST?Wells Fargo offered me a 5.375% "NO COST" "Freddie Mac to Freddie Mac refinance"Closing cost paid by Wells fargo "$3,516", *Estimated Prepaid Items "$2456.70" PAID BY THE SCROW REFUND ?.Wells Fargo original loan amount $318,000 @ 6.25%, 30 y, fixed. With $310,647 balance & 28 years & 1 month to go. NO PMI. House appraised @ $360,000 in 2008. AT first WF said no appraisal needed, but now they will order a new appraisal, since their system shows the house is only worth $315KPoints to reduce the rate: 5.25% would come with .50 points, 5.125% wth 1.0 point & 5.00% with 2.0 pointsI have no plans to move anytime soon, but who knows what might happen in a couple of years. Is this truly a "NO COST" refinance? What do you think?? Should I pay any points to reduce the rate? * CREDIT SCORE IS EXCELLENT @ 750+June 23 2010 - Union1YesReport 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.