<prompt> Human: Hey, PF - Im upgrading to a new house and need advice on financing. My local bank will lend at 4.125 or have the loan serviced by Wells Fargo for 3.875 - reading reviews of Wells Fargo has me concerned. With the terms - its an 11k difference in interest over 30 years. Does anyone have experience with Wells Fargo? Should I be concerned or save the ?Edit: Corrected WF interest rate.  <response>: I went with my local bank and they sold my mortgage to Wells Fargo within 2 months. Might be easier to start there and take the lower rate. 