"Can you really put that in a letter trying to get an existing customer to refinance their loan? Our home loan is with Wells Fargo, when interest rates were falling years ago now, I looked to refinance at the lower interest rate and my lender had a program where they would refinance at a competitive rate and because they already owned the paper on our house they would not need an appraisal or other such overhead. I was primed because I was searching. The process didn't turn out all that bad but..."    View Post