My property is originally financed by Wells Fargo Bank and Insured by XXXX XXXX XXXX. When I applied for a Home mortgage refinance Loan it was denied. I asked for refinancing on the first mortgage because there is a first mortgage and a second mortgage on the property. I pay the property taxes and the Insurance premium on the property to reduce the cost of refinancing. I was told by the banks representative that I must include in the loan refinance package the following : First mortgage and second property loans Taxes and property Insurance All closing fees. 
Due to the piling on fees, I could not afford the loan package offered by Wells Fargo Bank. It appears the bank offered was intended to be unacceptable. 

My second Home Refinance attempt, I was informed by Wells Fargo Bank representative that a XXXX XXXX Dollar ( {$300.00} ) appraisal fees is required, the appraiser fee was to be placed on a credit card and no guarantee the loan would be approved. I did not have the money, therefore I was denied by the bank. 

My third attempt to refinance the home loan, the Wells Fargo representative stated I needed XXXX XXXX XXXX ( {$500.00} ) on a credit card for appraiser fees. I was denied refinancing because my debt ratio was to high. 
My income debt ratio is high due to the high interest rates I pay Wells Fargo Bank on the property first and second mortgage, that is XXXX of the reasons, 
