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Originally Posted by alieuallen  I just applied for a loan modification from wells fargo.. they immediately put me on a 3 month payment plan which didn't lower my payments much.. i still can't afford those payments.. my house payment is more than 31 and 38% DTI.. they didn't offer me the HAMP program.. did you guys request that? |
First they tried to put me on a forbearance plan, which sounds like what you got, except it raised my payments by $600 a for year? (even though I was only 30 days behind at the time, lol) Anyway, I declined that ridiculous offer, was taken out of the mod process for a broken payment agreement (which I never agreed to) on Sept 23rd, and put BACK into the mod process on 10/1 for HAMP. The woman on the phone said I qualified, they sent out my HAMP paperwork, which I got on Monday and sent back yesterday (they received it today) so now I wait. Call back and ask to speak to Loss Mit or I spoke to someone in the Executive Office, say that you can't afford the plan they offered you, and were interested in the HAMP program. I got an income reduction this year which is what caused us to fall behind, as well as being double billed by our town for taxes (which raised our payment) Good luck!