We have been struggling to pay our mortgage for some time. In short Wellsfargo has reviewed our situation over and over for a solution. They finnaly modifed our loan. However we later found out that we were not approved for a HAMP modification. This means that any fees or moneys owed had to be repayed rather then being put on the balance. The lender can not allow us a repayment plan according to their guidlines. We do not have $28, 000 dollars to give them. That is the amount they are asking for. This is an outrages amount and we don;t feel it is correct. They have made many many mistakes during this process. We have no choice now but to proceed with liquidation. We believe that we have been repeatedly lied to and forced into forcloser. If the lender would lower our interest rate to 2% or 2.5% for the life of the loan we would be able to stay in our home and pay back all money owed. Is there someone that can negotiate this for us? Wellsfargo keeps stone walling and lieing. They will not even allow me the contact infomation for our lender as I would like to reach out to them personally. Also if we forclose we are scared to death of a deficiancy judgement. Please advise us on these issues. Thank you, Jon and Maria Simenson