WELLS FARGO OWNS ASC (AMERICAS SERVICING COMPANY). THIS WAS THE WORST MORTGAGE LENDER I HAVE EVER DEALT WITH. THEY CHARGED RIDICULOUS CLOSING FEES AND NOT TO MENTION THE UNHEARD OF INTEREST RATE. DURING THE WHOLE MORTGAGE CRISIS WE REQUESTED HELP AS OUR ARM WAS ABOUT TO ADJUST MAKING OUR PAYMENT ALMOST A THOUSAND DOLLARS MORE. THEY TOLD US THEY BASICALLY WOULD RATHER FORECLOSE THAN TO HELP US. NOBODY SEEMS TO KNOW WHAT THEY ARE TALKING ABOUT. THEY DO NOT REPORT ACCURATE THINGS TO CREDIT AGENCIES AND IF YOU DO A GOOGLE SEARCH ON THEM YOU WILL BE VERY INTERESTED. BEWARE IF YOUR BROKER WANTS TO WORK...read full review »