Wells Fargo Mortgage Complaint

Wells Fargo Mortgage department,

Conventional fixed mortgage Application, originator, mortgage broker Maryland

My property is originally financed by Wells Fargo Bank and Insured by - - -. When I applied for a Home mortgage refinance Loan it was denied. I asked for refinancing on the first mortgage because there is a first mortgage and a second mortgage on the property. I pay the property taxes and the Insurance premium on the property to reduce the cost of refinancing. I was told by the banks representative that I must include in the loan refinance package the following : First mortgage and second property loans Taxes and property Insurance All closing fees. Due to the piling on fees, I could not afford the loan package offered by Wells Fargo Bank. It appears the bank offered was intended to be unacceptable. My second Home Refinance attempt, I was informed by Wells Fargo Bank representative that a - - Dollar ( $300.00 ) appraisal fees is required, the appraiser fee was to be placed on a credit card and no guarantee the loan would be approved. I did not have the money, therefore I was denied by the bank. My third attempt to refinance the home loan, the Wells Fargo representative stated I needed - - - ( $500.00 ) on a credit card for appraiser fees. I was denied refinancing because my debt ratio was to high. My income debt ratio is high due to the high interest rates I pay Wells Fargo Bank on the property first and second mortgage, that is - of the reasons,