EXPERT: Brad Blackwell, Executive VP, Wells Fargo Home Mortgage. VIDEO DESCRIPTION: Refinancing is the best way to save money because

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1 WELLS FARGO BUSINESS INSIGHT SERIES VIDEO TITLE: Benefits of refinancing your mortgage MODERATOR: Rich Sloan, StartupNation EXPERT: Brad Blackwell, Executive VP, Wells Fargo Home Mortgage VIDEO DESCRIPTION: Refinancing is the best way to save money because mortgage rates are as low as we ve ever seen them. It can lower your monthly payments and lower your interest rate risk, among other things. RECORDING DATE: May 29, 2009 [Music plays.] BRAD We re talking about, How do you save money with real estate? and today, one of the best ways to save money with real estate is to refinance your mortgage because mortgage rates are as low as we ve ever seen them. Four and three quarters percent at the time of the taping of this show is where 30-year fixed-rate mortgages are, and that s extraordinary. So you get a great opportunity to reduce your payment and save quite a bit of money. RICH Can we take a second and just do a scenario

2 Absolutely. of how the rates might affect someone considering refinancing? So, why don t we take you, Rich? Okay. You are an easy target. So let s assume that you have a $250,000 mortgage and he s got a 6 1/2 percent interest rate. So that 6 1/2-interest rate is going to be a payment of about $1,580, and Rich is probably happy with that because 6 1/2 percent from historical standards is very good. But if you were to come in today and refinance at 4 3/4 percent, your mortgage would drop to $1,304 a month. That s $276 a month less that you d be paying on your mortgage. That s a big savings and not only is that a big savings, let s think about it, now multiple that by 12 that s every month so that s over $3,300 a year that you re going to save.

3 I m doing the small business math right now. I m going to roll out that search engine marketing campaign Yeah, you can invest in new business. That s right. Yeah, exactly and I m going to upgrade my website. Not only that, think about it this way: The economic stimulus plan that s reducing people s taxes, is reducing people s taxes by a few hundred dollars a year. $3,300 is tremendous economic power for people to spend in the economy. So that s the real economic stimulus program right there. It absolutely is. So, think about it this way: refinancing can lower your payments, as we just discussed, but there are a few other things that it can do for you. It can really reduce your risk of interest rate increases. If you have an adjustable rate mortgage, you know there is a chance that that could go up in the future and locking in a 30-year fixed-rate loan will protect you from that. A lot of people are

4 also reducing their terms because interest rates have come down so far they can afford a 15-year payment instead of a 30-year payment. That means you can build equity faster, pay off your home faster. And lastly, you can use a refinance to consolidate debt and that can help you financially. [Music plays.] Discover more ideas and solutions for your business at: For more information, talk to a Wells Fargo banker by calling: WELLS, ext. 130 [End of recording.] VIDEO LINK: Information and views provided through this Business Insight Resource Center are general in nature for your consideration and are not legal, tax, or investment advice. Wells Fargo makes no warranties as to accuracy or completeness of information, does not endorse any non-wells Fargo companies, products, or services described here, and takes no liability for your use of this information. Information and suggestions regarding business risk management and safeguards do not necessarily represent Wells Fargo's business practices or

5 experience. Please contact your own legal, tax, or financial advisors regarding your specific business needs before taking any action based upon this information. Wells Fargo & Company or its affiliates do not provide tax advice. Please see your tax advisor to determine how this information may apply to your own situation. Investment and insurance products: Not Insured by FDIC or any May Lose Not a Deposit of or Guaranteed Federal Government Agency Value by a Bank or Any Bank Affiliate Brokerage products and services are offered through Wells Fargo Advisors. Wells Fargo Advisors is the trade name used by two separate registered brokerdealers: Wells Fargo Advisors, LLC and Wells Fargo Advisors Financial Network, LLC, Members SIPC, non-bank affiliates of Wells Fargo & Company and is intended only for United States residents. WellsTrade is offered through Wells Fargo Advisors, LLC. Wells Fargo Advisors offers insurance products through our affiliated nonbank insurance agencies (California license # and ). Access to the service may be limited, delayed or unavailable during periods of peak demand, market volatility, system upgrades or maintenance, or electronic, communication or system problems, or for other reasons.

6 Wells Fargo Insurance, Inc. is a licensed agency that represents and is compensated by the insurer on the amount of insurance sold. Deposit and loan products offered by Wells Fargo Bank, N.A., Member FDIC Wells Fargo. All rights reserved. NMLSR ID Equal Housing Lender

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