Loan Forbearance, Modification questions?

[srptown]

I've read many posts/replies and appears most of us are struggling with our mortgages. I have a Ginnie Mae FHA Loan serviced by Wells Fargo. I started talking to Wells Fargo in the beginning of January 09 before Obama's big housing bailout took effect in March 09. Like most of the other stories, I sent in hardship letter, financial statements, pay stubs however did this 3 times over the last 6 months. First time, Wells Fargo was in a freeze until the Obama plan rolled out in March, so my documents from Janaury needed updated. Second, time, Wells Fargo apparently called one day in April and stated I had no voicemail service on either my home or cell phone(what a joke). I called a few days later to check the status of my loan modification request and was informed my case was closed because the case worker could not reach me after one day, one attempt and left no voicemail. I sent the necessary documents again the following day for a third time. Finally, after numerous phone calls I received a letter for a special forbearance. A 5 month forberance; I owe a lump sum payment that includes late fees after 5 months of over $12,000. Yah, this helps me out. I called Wells Fargo regarding the forbearance, basically it will be addressed at the time the lump sum is due however I can make any payments until then. I did not qualify for a loan modification because I was not 61 days deliquent. Not to slam the housing bailout plan, but you have to become a low life to qualify for anything. Most of us are trying to maintain our financial obligations i.e credit cards, car payments, children, etc. and trying to figure out the payment priority. I have heard FHA Loans do not qualify for loan modifications, I would think FHA Loans (Ginnie, Freddie, Fannie) would be the first to modify. I was informed that the forbearance is the first step in the modification process if your not late on payments or facing foreclosure. I have read about a step up program after the loan forbearance to repay the past due payments. Any insight? I live in a Florida home that is worth $110 less than what I owe, bottom-line it will take 30 years or longer to get back to my purchase price.