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