I have contacted Wells Fargo numerous times to resolve an issue before it starts. I recently became a single mother. My ex-husband and I applied for the mortgage on my home 5 years ago. After 13 years of marriage, we dissolved it amicably. Our divorce became final at the end of September. We do have 1 child together and kept a joint account to pay for necessary things for him. We dissolved that account around the time our divorce was final. I have had my ex-husband removed from the deed of my home, and have been trying everything to remove him from the mortgage. I went through a mortgage modification process, and after finding out that I would have to pay more each month until investors would make up their mind, I threw the offer in the trash. Again, a single mother and can barely make the mortgage payment now. Keep in mind, my fico score from all three credit bureaus is over 750! I do not pay late under any circumstances. This process is very stressful, and I am trying to do the right thing here rather than walking away from the home and loan. For the last month or two I have been trying to work with Wells Fargo on a refinance to remove my ex-husband from the mortgage. I was approved by myself for the loan, based on my income, job stability (13 years with the same company) and credit scores. I received a good faith estimate, and the loan papers to sign and send back. After receiving a call from the loan officer to go over the loan with me, she asked for one more piece of documentation. She asked me for a copy of a bank statement or something to prove that I have been paying for the home by myself for 1 year. I don’t have that account any longer, and I have had my own account since July. If I am approved based on job stability, income and fico score, what does the other matter? We are divorced, he is not on my deed now, and he doesn’t work half of the time anyway. I can show you W2’s from the last 13 years and you will see who has been paying for the mortgages based on income alone. Last year he made 7k dollars for the entire year! This is a reason that we are divorced now.
Unfortunately, your company continues to make it more and more difficult for me to fix a situation that has to be corrected. I have to remove my ex-husband off of the mortgage, and no matter what I try to do with Wells Fargo, it seems as though it is impossible. I am disappointed because I am trying to do the right thing here, instead of throwing my hands up and giving your company another foreclosure or short sale. Please address this situation, and help me to remove my ex-husband and lower my payment. If this can not be done, I will have no choice but to give you my home.
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