You should contact your Wells Fargo Loan Officer. The type of property (Single Family, Multi Unit, Condo). Also, the loan amount will come into play. If you would like a quote for a comparision. Please contact me at 609-504-7010. I am a licensed NJ & PA Banker. I have 16 years lendign expience. I just settled a Denville purchase in December ad you will find we do a good job.