Well, I haven't been able to make a mortgage payment since last November - 2007. I have had my house listed for almost 2 years and have had 4 - YES 4 - short sale offers and I lost them all. I have a realtor who wants to scream every time she negotiates with Wells Fargo. Nobody seems to know what the correct protocol is in order to get this done. Each time we have provided everything they ask of us and each time they either ignore everything and actually tell us that we never submitted the necessary paperwork OR they deny it right away! I have lost every opportunity to make this house sell! When I call Wells Fargo to work something out, they hang up on me!!! I have literally been placed on hold for 42 minutes and never been picked back up, I have been hung up on countles times, I can never get a supervisor on the phone, and the people who seem to be nice NEVER know what's going on. I have literally been told "this whole foreclosure thing is so new that we don't have procedures in place to be able to handle you." WHAT?!?! I am so frustrated, I have no hope to try to get out of this house in any way other than a foreclosure. Their most recent reason for denial of my short sale was that Wells Fargo didn't feel that my financial situation warranted assistance. Did I mention I haven't paid my mortgage in nearly a year!!! My ARM went up from $1200 monthly to $3500 monthly. Who wouldn't need assistance?!? Somebody please let me know if there's help for us pending foreclosures!
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