this is my situation i was in between jobs and i got behind on my mortgage so my loan servicer which is wells fargo gave me a forbearance. i made my 3 payments on time like they said so i could be considered for a loan mod. i asked them at least 10 times who my investor was before they would tell me. they did not tell me until i got behind. they said it is citigroup. i wish i would of found this website before. i have a feeling my hardship letter i sent them was a little long even though it explained the situation i was in. im in 2 yr fixed arm and it has all ready adjusted to 9.375. my hours have been cut due to the economy. wells fargo told me if i made my payments on time for 2 years they would refinance. but my house lost value and they said i owed more than it was worth. i think i was a fool for listening to them. this was my first house i lived in. it seems every time i call wells fargo they always transfer me to collections and tell me they can do the same thing as loss mitigation. i live in washinton state can naca help me if they dont have a location in my state. is there another dept at wells fargo or another number i can call to talk to some one else. any help would be appreciated.