I was offered an application for modification a year ago. As it turns out, it had to be one of the worst decisions I ever made in my life.
I was a little behind and now I am $14,000 behind. I have done everything the mortgage company asked of me and more. And again I was told no modification and the close to impossible requests I conquered were not necessary! I have wasted a year of my life not sleeping, depression, etc.
for nothing. And now, imagine this, after a year they do not have to offer me any resolution! I could have been making payments all along. I have a difficult time sending money to an institution that I do not trust, and threaten to foreclose every time I turn around.
Where is the justice in any of this. Oh, and now they have one offer left. Because I have a HUD insured loan, they have to make me this last offer. Two regular payments, carry a second mortgage at 0%, and make my regular monthly payments.
My question is, what has this last year been all about? (besides making me loose my mind) Karen
Review about: Wells Fargo Mortgage.