I filed all the paperwork to refinance the adjustable rate loan that I have with Wells Fargo, I just want a fixed loan, as they one I have will adjust in 2 years. I even paid for an appraisal (which showed enough equity to qualify for a 90% loan). Wells Fargo would not except the appraisal and sent their own appraiser out and their appraisal came in $35, 000. less than the first appraisal, so therefore I was not eligible for a refi. So I asked if since I wasn't eligible for a refi would I be eligible for a loan modification. Wells Fargo sent me to another department within them and that department sent me a loan modification package. I filled out everything and sent it back to them and after waiting their 45 days, Wells Fargo said that since I hadn't been late with a payment and I had some money in the bank (which isn't much) that I DID NOT qualify for a loan modification, that we should consider a short sale. Even though I am NOT interested in selling my home I just want to stay in my home and be able to afford the payments, since I've recently been put on disability . Wells Fargo told me I did not fall into their category of clients to help. My loan is not a Fanny Mae or a Freddy Mac loan so therefore I haven't been able to find a government loan program to help me. Where are these programs that are suppose to be helping everyon out. I'd like to find one!