Well I have been trying since November for a loan mod with Wells. I found out Monday that all docs are in and they will let me know their decision by this Tuesday. I am very scared although I am not currently late on my mortgage I have barely been scrapping by.I noticed that Wells recently paid my hazard insurance and I am wondering if that means they might be giving me the mod? I called to ask them and they said the bill was due so they paid it but I had already paid the first payment so the bill was not due? They told me if they do not approve the mod that I will have to pay them back for the ins payment. Has anyone had their insurance paid and not been given the modication?