just want to share i have been working with wells fargo since april 2011 for the hamp program. there were many obstacles until i finally called the office of the president and got word today we were approved! i dont have the full terms yet, the office of the president told me its 2% for 5yrs, 3% for 5yrs, then 4% thereafter. i have to make the 3 month probation payments, i hope there isnt going to be any trouble when it comes time to finalize the mod. i have read many horror stories about people making their trials and then not getting approved. I did ask wells about that and they told me as long qas the payments are made on time and there is no changes in our financial situation we will be fine. she said before they were just prequalifying people and putting them on trial payments without running the numbers but the rules changed to where they have to approve people first before trials begin. does anyone know if u have to resubmit paperwork at the end of the trial payments, wells told me they might ask and they might not.