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Wachovia Dumps Citigroup, Merges with Wells Fargo

My mortgage is currently through Wachovia. My question is if Wells Fargo merged with Wachovia why can't they come up with a better plan to reduce the interest that is taken off the top of the monthly mortgage payment that is equivalent to the reduced value of the home. Also what should be the percentage that the bank should reduce the interest that they are taking?