is any listening

I what to refinance from 30 years adjustible (cofi, from Worlsavings, who was bought by Wachovia, who was bought out by Wells Fargo) to a fix. I was able to fix my rate at 7% but in December it goes to whatever the cofi index will be at.

But Wells Fargo has said no. And as it turns out, I think that my rate will be less anyway since the Cofi index is down. But I wanted peace of mind so that I get a fix for 15 years and not worry about it going up. So I am stuck.