I have been trying to help a retired eldery couple for months modify a land loan with a Wells HELOC that was appraised way over market value. Patrick Stevens, underwriter in AZ, seems to think his shi* doesn't stink. Hanging up on me when I inquired about their appraisal, which they cannot produce because the appraiser couldn't find the property. I will file complaints all day long until I see some action taken against this white trash underwriter and their unwillingness to help when they Fu**Ed up. Good thing i am a SAHM with a lot of time only hands! All the time in the world (and resources too) to bring down corrupt people like this.