wells fargo is a piece of shyt company. I primarily use BOA for most of my stuff, but also a US bank account I use to pay bills and a credit union account.
that said, I refinanced my mortgage last july from 4.125% to 3% on a 30 year fixed.
my current payment is $1156 for 5BR/3BA, but I always send them $1500 (my old payment) and add the extra $344 to the principal. just by paying the same amount I was used to paying, it will turn my 30 year into a 19 year mortgage. as my income increases and my kids get out of college, I'll put even more money into the mortgage.
those historically low interest rates were really a cheat code that will save me tens of thousands of dollars.