So I got in writing from Wells Fargo the letter saying that I didn't qualify for a home loan modification.
But this time in writing they offered me the opportunity to hand them the keys to the house that me and my boys live in. The same house in which I write the checks which have gotten to Wells Fargo on time. I've never been late.
I also called Senator Merkley's office and while the woman doing the work on these home loan mods in his office is kind and sincere, she acknowledged that if I didn't meet the income to debt ratio called for by the guidelines, there wasn't anything her office could do. She let me whine and complain, but in the end, all she could do was refer me to a HUD counselor to see if they could help.
I never imagined at this age in my life with this beautiful home I'd be in a position to call a HUD counselor to keep it.
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