After 2 years, 2 loan mod's, several repayment plans, I finally achieved my goal of making wells Fargo reducing my payment instead of just rolling all late payments to the end with the same payment plan. My payment went from 1090.00 to 899.51 per month. The loan was a VA loan-went from 6% to 4%. I had agreed to a 4.5% but I had a Congresswoman from Az that contacted the VA and somehow it wound up at 4%. HAd to pay over 600.00 in fees(was in a foreclosure) hold through loss mit. until this was paid. I started this last process through the exective dept, contacted the VA and informed them they were descriminating against a veteran by refusing to help me through obmas plan, and also contacted a Congressman. Those that are going through this process must attack this issue on several fronts. Just contacting the bank is not enough. Also stay away from those TV loan MOd commercials-I called them and informed them what they were doing was fraud-the consumer can do this for free with there bank and utilization this web site for free-phone was hung up.
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Wells fargo loan mod success finally 
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