Here it is:
I was late three payments. Called WF after they sent so many letters. Got in for a review. 1st time I got a denial. I was mad, because I knew that this was not right. I sent in all of my paperwork again and in less than a month, BINGO a got a permanent modification.
I was so excited today when I called them that I can hardly remember. Yes, I will be saving myself $300 a month. It may not see like a lot but for me it is. Taxes and insurance are also escrowed. I am happy, since this is a rental property and I was behind like 4 months.
On the other hand, I'm still trying to get a modification on my home. I been on this almost a year. I don't understand why I qualify for this one and yet I do not qualify on the other one.