I am new to this forum, This is my first post and I am totally lost on how to get started on how and where to apply, I am currently in pre-forclosure, My loan is wells fargo. Do I contact them and work thru them or do I apply online? what documents do I need to have? Do I just go back 3 months of total earnings and figure out how much the bills are and see what percentage of my mortgage payment is?? My husband is in remission from cancer and currently on fmla and since we obtained the wells fargo mortgage 4 years ago our gross income is down about 50% of what we use to make.. I'm just scared that we will lose our home and dont know where to start. Thanks for any help I'm on my own trying to figure this out, my husband is too sick to deal with this stress.
Thanks in advance for whom ever can help guide me through this process,