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None. Improper Rejection of Refinance Due to Rise in Interest Rates In 2016 thirty year mortgage interest rates continued to fall. I applied for another refinance with Wells Fargo, this time at my cost. The preliminary application, which required not only submission of the prior three years tax filings, but also the answering of specific detailed questions regarding my income and the production of brokerage statements indicating dividend payments, prior to approval. I locked in a thirty year rate of 3.375 %. The underwriter approved the application, having seen all the relevant documentation and detailed information regarding income, taxes, capital gains and losses for the past three years plus one year prior ( due to the previous refinance ), and having had the opportunity to ask further