Can someone please answer my question? I think I am at my wit's end with my mortgage and will need to sell my home as I can't afford it any longer. My house is worth 355 and I owe about 385. My loan is with Wells Fargo. This house is an investment property. Do I need to get an offer on my house and a signed contract before I should start working with Wells Fargo or will a listing agreement suffice? Do they do short sales on investment properties? Also, I'm only 30 days late on my mortgage...do you think they would consider modifying my mortgage or is that impossible because this is an investment property? Thank you.