I have been working with Wells Fargo on a loan modification since March 2009. Previous to this loan modification, my credit score was 802 and I had never missed a payment or made a late payment. I called in March 2009 to inquire about reducing my APR, which in turn would lower my monthly mortgage payment. I live in Arizona and the housing market here has taken a huge hit; leaving me upside-down in my mortgage (property value has dropped 32% in last 18 months). Wells Fargo insisted that to be considered for an APR reduction, that I must show I... read full review »