I do a lot of 203k loans in Bakersfield. I can do them through Wells Fargo or outside Wells Fargo. If you want it done cheaper, faster and with less pain I would possibly go outside Wells Fargo, albeit wells Fargo is a good company with great loan officers in Bakersfield. I am a broker so I can qualify for more home, 580 FICO with less restrictions, than most bankers. My last employer was BofA(joke) so i know. It's always good to shop so i hope you give Wells Fargo(or Chase, Citi, KSFCU, Robobank), myself as a broker(or Local lending, allcredit) and one of our local direct lender(The Mortgage House, Platinum, GEM,Agape, Acadamy, Imortgage...) a shot at giving you fee sheets and timelines for close so you can make a well educated decision. These are easy loans but can take 45 days to close if your lending team is not that agressive.