Wells Fargo playing games?I've owned/lived in my condo for almost seven years. I have an FHA loan. I refi'd about a year before the height of the market & lost my job about three months after the refi. That was 2/2009. I was out of work for 14 months. In April '09 I attempted to get a loan mod but they told me I couldn't because I had a negative cash flow. I won't get into how unconscionable that is (considering a mod would have fixed that problem). I attempted a few more times, only being offered a moratorium which I declined. Frustrated, I reached out to a one of those community action groups & they contacted Well Fargo bank for me. 20 minutes after that call I was contacted by an underwriter from WF who was willing to work with me. They started my trial mod (or so I thought) in Feb, 2010. I told them I wasn't interested in anything that would hurt my credit. They replied saying I "had to show some delinquency in order to obtain final modification". The benefits seemed to outweigh the risks at the time & I agreed, knowing i was in for a balloon payment at the end that would be negatively amortized. The trial payment (which i thought would reflect the final payment) was 700 & change. During the trial mod I became employed. In July, 2010 I was called by an underwriter & told I was not approved for a final mod. I started to flip...the lady put me on hold, came back to the phone & apologized profusely, admitted my mod was mishandled & offered me a final mod with a 4.75 rate (FHA rate for the time). My payment did not change much though...i went from a payment of seven & change on the trial mod to a payment of 1020 on the permanent mod - $90 less than my original pmt. @ 6%. My credit score suffered, but only for a few months. There was also about 4k of neg. am.(continued)March 10 2012 - Naugatuck0YesReport a ProblemProblemSelect oneOffensive contentIrrelevant contentSpam (pure self-promotion)OtherDetailsYour emailPlease enter a valid email address.Submit CancelContent flaggedWe will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.We're sorry. This service is temporarily unavailable. Please come back later and try again.