From The Consumerist:

If you're saddled with a Wells Fargo mortgage, now would be a good time to slash your rate and payment through little effort by hitting up the bank's streamlined refinancing program, which under certain circumstances lets you refi without being gouged for closing costs.

You can find lower rates elsewhere, but you'll probably have to shell out upwards of $3,000 in fees to nab them. Granted, in most cases it's probably worth paying the closing costs because if you find a low enough rate you'll make up for the upfront fees in the long run, but paying that much only makes sense if you're sure you'll stay in your house for a couple more years.

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