<prompt> Human: My homes estimated value is 630,000. The loan amount is 203,790. I am currently looking to refinance my loan since I am paying 5.1 interest.The interest rate Wells Fargo quoted me is 4.375. The loan is a fixed rate, conventional 20 years loan. Looking online, I see the interest rate for the similar terms should be in 4-4.1. However, I dont understand how the rate was quoted. How can I tell if I am getting a fair deal.  <response>: Its ok. Keep track of everything...WF has quite the reputation... 