They are supposed to do a series of things to get you to the 31% of gross
first the interest rate can go down as low as 2%
if that doesn't get you there they can extend the loan to 40 years
afterwards if that is not enough they are supposed to forebear principal.
wells is not that great, i have to admit, try contacting the executive resolution team and be ready with your financials, maybe they can help you.
Executive Team 1-800-853-8516 ffice
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