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Wells Fargo Attorney General Settlement no cost Mortgage Rate Adjustment not refi

Jaynos 212 July 23, 2012 at 12:17 PM in Home & Home Improvement (6)
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Deal Details

I just completed a mortgage refi without any cost. I repeat NO COST. Prior to the refi my mortgage was 6.125%. I have just had this adjusted down to 4.25%. This was down without any appraisal, fees, points or anything that cost's $'s. Prior to this deal I could not find any refi option for less than 5K!. If you are a Wells Fargo customer in need of a refi then you should look into this pronto. Call the mortgage department at Wells Fargo:
https://www.wellsfargo.com/help/phone_dir

Tell them you are interested in the Attorneys General settlement (this is a sweet rate reduction).
https://www.wellsfargo.com/downlo...lement.pdf

Have your mortgage account info ready. Be persistent. Once they take your information they will tell you if you are eligible. This is not for people with hardship. I am thankfully able to pay my mortgage but I wanted the savings (who doesn't). If you are eligible then the process will take about two months so get started now. I believe they are only offering this to people who call and ask. I also believe this will work with other banks (I only tried the one that holds my mortgage). This is really a great deal. Have patience and be prepared for about 6 weeks to work through it! woot

348 Comments

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#346
Just stumbled onto this. Of course the program ended 12/31. And of course Wells Fargo did not notify me. So pissed at them right now.
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#347
Quote from narunaru View Post :
Who are you working with? I'm thinking about doing a refi on income property...
just Refi my income property with no cost with WF. It does take about 100 days to complete and they do run income, job, bank check
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#348
Quote from sean.scott View Post :
My loan is definitely owned by WF Mortgage Backed Securities, so it doesn't show up on Fannie or Freddie sites and definitely doesn't qualify for HARP (or any type of FHA refi for that matter).

After doing a lot of research, it looks like my only option is to sit around is wait to see if the private investors in WF Mortgage Backed Securities decide to allow this type of refi. I won't hold my breath...
^^ same here. i saw an article on yahoo news stating fannie/freddie may purchase the private investor loans to allow us to get loan mods. hopefully this will happen.
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#349
Refinanced late last year, after TERRIBLE service by Wells Fargo, I had gone through 3 agents, and the 3rd one was finally actually processing my paperwork and calling me back.... I pulled out as the 4.125 interest rate was still ridiculous. Went to my original broker, offered me 3.75, took it and Wells Fargo wouldn't match it. So the broker did all the work, minor fees, and then Wells Fargo bought out my loan in the end anyways. I saved much more going through the broker. I HATE Wells Fargo. I will not do business with them ever again.
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