[ZAP09]

An update from Zap09. As I posted earlier, I was pulled off of my forebearance/repayment agreement by Wells Fargo (just about to make my 2nd timely payment) Out of blue, they sent me a letter stating my request for loan mod. was denied because my request was outside the investors guidelines. I was told that if my Income/Expenses have changed I can resubmit- as stated above......
What is new is I called the exec. offices back yesterday to find out who my investor was. It is Wells Fargo themselves! All these weeks/months they have been talking to me as if there is some unknown 3rd party keeping me from being approved for a modification, when it's them! Does anyone out there know what guidelines Wells Fargo is using to test for modifications? I also spoke to law office (...& Molinaro?) the paralegal was great, they'll work with you should you need to go this path. I just don't know that if submitting my next go around of income/expense info. and request for loan mod. coming from the attorney will hurt or help my chances. My husband and friends seem to think it will help and it may be taken more seriously. Again, if anyone out there knows what standard/guidelines WF is looking for on the income/expenses it would be really helpful as I try this again.
p.s. isn't this forum fantastic! and quite therapeutic for those of us that feel as if we were at our wits end!