Hi NegateEquity,
Welcome to the forum and thank you for joining..........
The modification given is up to the investor on your loan........so you would need to contact Wells Fargo and ask what the modification options are..................
Start by putting together a hardship letter............click on the link for examples...........
Examples of a Hardship Letter
Next contact Wells to see what the options are..............
Wells Fargo Loss Mitigation
1-877-216-8448
Please keep us posted on your progress............