Hello! We missed our first payment in June 2011 in Washington, Wells Fargo. No 2nd, just 1st FHA loan. House is valued at $130k, we owe $235k. We went through all the motions, getting phone calls, trying to get a loan mod with no success, etc. and now haven't heard a word from anyone since then. No Notice of Default or Trustee Sale filed yet. I am wondering how much longer this will take. We were thinking about moving out soon, but thought we will stick it out until the end to pay off debt and try for C4K.
Anyone else still waiting?