I applied on-line for wells fargo equity loan. I was contacted by finanical officer who gathered more info to start loan product discussions. a week passed and I never heard back from Tim my loan contact. I called and left message (s) with no return call. Yesterday, I received a package from wells fargo in the mail. The truth -in -lending letter and a loan GFE for a re-fi at 1% fixed rate was inside the package? A 1 percent 30 year fixed rate for the amount of 347k? Why would they mail out a fictitious package ???? Does the loan officer get a bonus for creating false loan applications?