Why is it taking 2 yrs to get home affordable loan?I have been doing everything I need to do to apply for hap and the bank, Wells Fargo, has been jerking me around for 2 years! As a result, they keep putting me in forebearance, making me more delinquent. I continue to pay the budget amount, now my credit is ruined! I tried going through NACA for help, been in the porocess with them for 5 months! All I am asking for is a lower interest rate. I am paying 5.25, wanted 3% when they were low, now interest rates are climbing again and Wells Fargo is dragging their feet so I wont be able to take advantage of lower rates. What do I do? I am on disibility now and collect rental income from downstairs.March 13 2011 - East Springfield00YesReport 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.