I helped my brother by using the tools I learned on this site for a mod. His original loan was taken with Franklin and transferd to Wells Fargo right after the loan was closed on Jan 2009 with a 5% fixed for 196,000.. and mortgage was 1052.00/month now the new one is for prinicipal amt. is 158,000 and at 3 % fixed 30 years 636.00 /month. The funny thing we submitted the proposal only 2 weeks ago!!