Wells Fargo & Company Mortgage Complaint

Wells Fargo & Company Mortgage department,

Conventional fixed mortgage Credit decision / Underwriting Nebraska

My mortgage is at about 6.5 %. Refinancing sounds like a good idea - as far as getting a better rate, lower payments, etc. - but I do not trust the entities that are holding my mortgage or that are offering the refi 's. I suppose that this is mostly about my fears regarding the mortgage, in that none the other entities involved in my mortgage - original bank, inspectors, appraisers - seem trustworthy. The value of my home has been re-assessed downwards twice by my home county since closing. I am aghast that no one had a fiduciary responsibility but me. In that a refi seems to mean that the bank is willing to earn less from me for the mortgage over time, I start looking for hidden dangers. No way would they reduce my side of things once they 've got me on the hook. Can you help to explain how refi 's work, what I should expect and what I need to know to feel more comfortable about this?