My 2 houses with Wells Fargo mortgages. I tried to refinance 1 of my house with them to lower my rate. I want only 135000 for refinance. I did everything all they need in the computer and my credit score is 820 which is excellent. I was connected one of their specialist. Everything goes well but when I ask how much the closing cost. I want only 5 yr arm. I was shock when the specialist told me about more than 8000 for closing cost. Is this worthed to refinance my house with a closing cost of more than 8000?