I'm a divorced woman who's managing to keep my head just above water. I get help from no one and all of my income comes from one job (that I'm grateful to have). My I initially got the loan from Wells Fargo they did not offer the consolidated loan, but told me I could re-fi later because it would be available in the near future. Well now that I desparately need the insurance & taxes included, as well as a reduction, I've been informed that I'm not "Default Imminent"!!! What do I have to do? What can I do? I don't want to lose my home, but I can't afford it like this. read full review »