If you are interested in refinancing your home mortgage, you must find a company that gives you the best interest rates, as well as providing you with the experience of handling refinanced mortgages. There are literally hundreds of lending companies you can choose from, however, out of the plethora of lenders there are some that truly stand out. One of these companies is Wells Fargo. This company will give you the assurance you require to make such a big decision as refinancing your home mortgage. When you decide to use Wells Fargo home mortgage refinance, you are choosing not only a high-quality loan, but also you are going with a company that prides itself with its customer relations.Since refinancing your home mortgage is a process, you want to have a lending company that clearly explains all of the steps involved, as well as providing answers to your important questions. With the Wells Fargo home mortgage refinance plan, you are able to choose between a wide variety of loans and payment options. Some of the refinance options you have are either to choose a fixed-rate mortgage or an adjustable-rate mortgage.With the fixed-rate refinance loan, you are able to have security and payment stability, which will make it easier for you to plan out your monthly budget. If you are living on a specified amount of income, this type of loan will keep you from having to experience spiked interest rates, which would cause your monthly payment to rise. However, if you want to have more flexibility with your interest rates, you may want to go with an adjustable rate refinance.With the adjustable rate refinanced loan, you are able to enjoy an introductory fixed rate, which is normally much lower than the industry-standard fixed-rate refinance loan, and this introductory rate can last anywhere from one to ten years. A good reason to obtain this type of loan from Wells Fargo is if the current market has higher fixed interest rates. With the adjustable rate, you will have a lower fixed-rate, and once the term has concluded your rates will then begin to vary depending on the market rates. However, with this adjustable rate refinance loan, you are able to choose a cap to the amount of interest that can be applied to your loan, thus keeping you from suddenly experiencing extremely high interest rates.With a Wells Fargo mortgage refinance, you are also able to choose between different payment terms. The average loan term for a refinanced mortgage is thirty years, however, you are able to choose terms ranging from ten, fifteen, all the way to twenty years. This will allow you to have payment flexibility, without having to be stuck with a thirty year loan.If you are confused about how long your term should be, there are a couple of rules you should stand by. If you are looking for a lower monthly payment, than you will want to go with a longer refinance term. And with a shorter refinance term, you will experience monthly payments that are higher than long-term longs, but you will also save thousands of dollars in interest and you will also be able to pay off your loan quicker. If you are seriously looking to refinance, a Wells Fargo home mortgage refinance is a good place to start.