Now for the root of the issue, if you are with Wells Hell, yes they will stall, they will pull every trick in the book.....and they are pros, trust me, they are. So, you need to do the thing that I recommend...call, call, call and fax, fax, fax..be in their face. You must be proactive and treat this as a second job...they are not a really nice group of folks...
Please do not assume that FHA will bail you out of Well's Hell, there will be no reform there. FHA is not able to control such a monolith of a corporation, Wells is perfectly capable of showing every effort to meet the spirit of the guidelines...you best bet is to call Well's Hell every day without fail and you can try FHA
www.fha.gov for the HOC in your area and see if they can help (Home Ownership Center). However, you are in for a surprise, FHA is not all that proactive either, the issues are that they will not lower the rate, they will forbear only if there are compelling, extenuating circumstances beyond your control...and if you are less than 4 months delinquent.
So stay very determined and very proactive...call HOPE 888.995.HOPE or ACORN
ACORN: Home they too can try to intervene, but they will tell you to that Well's Hell is a difficult nut to crack.