I have been dealing with Wells Fargo trying to refianance my current mortgage with them under HARP. They approached me last year regarding my qualifying under HARP. They required that I obtain and pay for out of pocket an appraisal. Now, as we were about ready to close, they are requiring that i change my insurance to " Replacement Coverage ''. I have found that this is virtually impossible in RI on a multi family built prior to 1950. 
They remommended that I contact the Wells Fargo Insurance department. After contacting them I was told that they do not provide insurance for multi families, over XXXX stories, built prior to 1950. Complete waste of time and money. 
