Wells Fargo Home Mortgage This company continues to increase the mortgage to cause people to lose their homes. Des Moines Iowa

attn: Readers,

If you can't help a hurting homeowner, don't respond. You obviously have no idea what they are going through. Go wear your judgmental hat somewhere else.

Penny:

READ THIS AND ACT FAST!

Here is the best number (WFHM Executive Office) AND PERSON to call -- SHARON CECIL, Asst to the President and Vice President at Wells Fargo Home Mortgage has been actively resolving problems FAST!!!

515-324-3130

VIP's WHO'VE PROVEN THEY CARE: THEIR TITLES, E-MAILS, MAILING ADDRESS, PHONE

Cara K. Heiden,
CEO
WELLS FARGO HOME MORTGAGE
cara.k.heiden@wellsfargo.com

Mary Coffin, Vice President
WELLS FARGO HOME MORTGAGE
mary.coffin@wellsfargo.com

Sharon Cecil, Assistant to Both
WELLS FARGO HOME MORTGAGE
sharon.cecil@wellsfargo.com

Todd M. Boothroyd
Senior Counsel, Real Estate Division
Todd.M.Boothroyd@wellsfargo.com

WELLS FARGO HOME MORTGAGE
Executive Communications Office
MAC X2302-02J
800 S Jordan Creek Pkwy
West Des Moines, IA 50266
515-324-3130

WELLS FARGO HOME MORTGAGE MIGHT BE TURNING THINGS AROUND! I've been intent on sharing my negative experience with Wells Fargo Home Mortgage so I think it is important to encourage you with these positive e-mails I've received within the past weeks. It is my prayer these will make you smile, and renew your hope!! AND, help you resolve your issue with WFHM.

I'd love to hear from you, anytime!
God Bless each of you.

Kelly

The person who commented about the payments being put at the end of the loan was right. If they take the delinquent payments and put at the end of the loan, that is increasing the principal balance which would mean an increase in the payments so that the loan would still payoff at the original maturity date. I think people do not consider all these other factors and instead just complain about what they don't understand.

As for the whole adjusting the payment at "will". That is absolutely ridiculous. There would only be two reasons that a mortgage payment would adjust and that is due to an escrow analysis, and if a person has an ARM loan. In the loan documents it specifically states when the interest rate will adjust and letters are sent out advising of this change ahead of time.

As for stating that the mortgage company "IS" supposed to work with you by lowering your interest rate that is also not true. Wells Fargo is not the only person who has say in a loan modification. There are also the investors of the loan that would give the final okay.

I think people need to educate themselves on the mortgages that they take out before they sign the papers because they are so eager to get into that house.

Once again I phoned Wells Fargo to request a copy of the loan modifications and forebearance agreements that I have applied for since 2001 to date and they outright told me "No they could not". i asked why and they stated they do not keep records of this information. As of today, I am now 2 months behind in my payments. Is there anyone who can contact me to help me investigate this matter and any matters involving this company as far as their practices with loan modifications and/or forbearances. I do not want to lose my home but I cant afford this home if they continually raise the payments everytime. PLEASE HELP!!!

Once again I phoned Wells Fargo to request a copy of the loan modifications and forebearance agreements that I have applied for since 2001 to date and they outright told me "No they could not". i asked why and they stated they do not keep records of this information. As of today, I am now 2 months behind in my payments. Is there anyone who can contact me to help me investigate this matter and any matters involving this company as far as their practices with loan modifications and/or forbearances. I do not want to lose my home but I cant afford this home if they continually raise the payments everytime. PLEASE HELP!!!

Once again I phoned Wells Fargo to request a copy of the loan modifications and forebearance agreements that I have applied for since 2001 to date and they outright told me "No they could not". i asked why and they stated they do not keep records of this information. As of today, I am now 2 months behind in my payments. Is there anyone who can contact me to help me investigate this matter and any matters involving this company as far as their practices with loan modifications and/or forbearances. I do not want to lose my home but I cant afford this home if they continually raise the payments everytime. PLEASE HELP!!!

Once again I phoned Wells Fargo to request a copy of the loan modifications and forebearance agreements that I have applied for since 2001 to date and they outright told me "No they could not". i asked why and they stated they do not keep records of this information. As of today, I am now 2 months behind in my payments. Is there anyone who can contact me to help me investigate this matter and any matters involving this company as far as their practices with loan modifications and/or forbearances. I do not want to lose my home but I cant afford this home if they continually raise the payments everytime. PLEASE HELP!!!

It goes up because they are rolling your delinquent payments back into your loan. They base whether you qualify for the modification on the financial information you provide to them. If you give accurate information and stick to the budgeted amounts you relay to them, then you should be able to afford the modified payment.

Using the term "rip off company" is a bit ridiculous when talking about any of these large banks. They don't want your home. They simply want you to make good on the agreement you made when you took out the loan. These banks stand to make more money off of you in the long run than they do in foreclosing on your home.

If you need more than one modification to your loan in that short amount of time, something tells me that you should take a course on budgeting your money better.