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Oklahoma calling Iowa: Hello? Wells Fargo?

Refinancing a home long-distance is taking longer with a “big boy” lender.
by Richard Mize Published: December 29, 2012

Dear John — gulp, does any letter that starts like that lead to good? We'll see.

Dear John C., I'm getting just a tad bit antsy now. This long-distance, online but-not-actually-all-that-digital home refinance should be well under way. I'm sure it is, but, you know, I have to wonder.

You called and asked for more information. I sent it immediately by email and by fax, as you requested. And then in a few days, on Dec. 11, you snail-mailed to my lovely house in Edmond a Request for Additional Information, directly from Wells Fargo Home Mortgage, 800 Walnut St., Des Moines, Iowa.

Did I mention that my house is lovely? It's a nice place, surely worth every penny I'm wanting to borrow to pay off the second mortgage and to use whatever is left to make it even lovelier. Maybe more. And that's not hoohah. I do follow homes prices and trends, ya know.

Oh. Right. This is business not personal. Business. Not personal.

“If we do not receive the above requested items, we will regrettably be unable to give further consideration to your credit request,” you wrote. “ ... Your cooperation in helping us complete your application package will allow us to provide you with a superior level of customer service and reduce the time associated with the processing of your application.”

John! Buddy! Wells Fargo and I have been tight since 1999, when we first took out our home loan with Norwest just as y'all were merging. We renewed our vows, as it were, in 2001, when last we refinanced.

Then, early in November, after months of wooing by Wells Fargo — and some time spent shining up my credit scores — I decided to try to take the plunge again to take advantage of the loan rates of a lifetime. And now, you doubt me!

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by Richard Mize
Real Estate Editor
Real estate editor Richard Mize has edited The Oklahoman's weekly residential real estate section and covered housing, commercial real estate, construction, development, finance and related business since 1999. From 1989 to 1999, he worked...
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