Wells Fargo Home Mortgage hidden mortgage insurance Des Moines , Iowa

After more than 2 years of applying with Wells Fargo Home Mortgage, the servicers on our home mortgage, for a home loan modification, and being denied, we have fallen behind on our payments and are facing foreclosure.

In our first attempt to apply for the modification under HAMP we asked who owned our mortgage and were told the mortgage had been sold to a private investor and that information was confidental and we had no right to that information.

When our credit score starting dropping due to credit card universal default and increased interest on those accounts a new charge starting showing up on our mortgage statements. This fee was classified as "other fees" in the amount of $20.00 per month. Noone at Wells Fargo could clarify that charge. What I would like to know is if anyone else has had unexplained fees added to their mortgage and if it is possible that Wells Fargo could have imposed a mortgage insurance on us without informing us.

If this is the case would we have a dispute in foreclosure? I understand that mortgage insurance is geared toward protecting the lender and servicer however, my husband is now on a disability and I believe if there is a hidden mortgage insurance our payments should have been covered by that insurance since the time we notified Wells Fargo of our need for a modification due to decrease in income due to his disability.

Also, at the time of the loan origination as shown in our settlement papers, we paid a fee for lenders insurance. Is it possible that our payments should have been covered? I suspect now that Wells Fargo as servicer and US Bank National Association as successor Trustee to Wachovia Bank, National Association as Tustee for the holders of MASTR Alternative Locan Trust 2004-10 may be fraudulant in their claim of foreclosure.

Any answers to this question of the possiblity of hidden mortgage insurance would be appreciated.