refinancing my mortgage

i need some advice from more experienced individuals. i got a mortgage at 7% last march with wells fargo. the intrest rates have continued to drop. my credit history, which was rocky, has improved since the first mortgage. i spoke with a rep from the same company today about refinancing with them. i need advice on how to understand the servicing fees and so forth. i am reading www.bankrate.com web site now and am learning lots. i've been getting unsolicited letters in the mail offering low rates, how can i check out if those companies offering those rates are sleazy? thanks so much, joyce

Here's what Clark Howard has to say about it.

Well, that didn't work. so as Fuzzy said, go to Clark Howard then type in something like refinance mortgage and you'll get good advice.
Sorry I didn't check out that link right at first.:(

Uh, Freckles, could you check that link? I was really interested in following it, but got an error message. (Not the usual 404 - site down; this one said something about a broken link.) Thank you!

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Originally posted by Freckles
Here's what Clark Howard has to say about it.:)

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That link was to the search done. Just go to the http://clarkhoward.com/ web site and search for articles on mortages and/or refinancing.

thank you for the link freckles, i will be checking out the link they mentioned, www.mortgageprofessor.com as well. i will be making at least 2 other appointments to talk to other lenders and do a comparative for all financial numbers. thanks, and again any help ids appreciated.