Mortgage Forum

SuzieQ

Here is my story. I entered into a loan agreement with Wells Fargo on 05/20/2005. Since then I have had a hard time paying my mortgage and I have fell behind just do to rising prices on everything. When I first went to Wells Fargo I was told this is how much we can get you approved for and this is what your payment would be. So I got approved for everything and I went to the closing my payment was like 500.00 more than I expected. At the time of closing I was thinking I can still do this I built that house and I don't want to give it up I can make this work. Well now a few years later I'm starting to fall behind on my payment I'm currently in a forbearance which I have paid on time or early each month but they are looking for a huge payment on June 30th that we can't do. I really don't want to lose my house and will do what ever I have to do to keep it so I thought I would take a close look at my loan documents which I never really did (dumb me). I find out that they inflated my income by over 8,000.00 per month and my assets by over 30,000.00. They also put a false job title on my documents.I have my prior years taxes to prove my income.I currently sent them an official written request under section 6 of the RESPA guidelines but have not heard anything from them. Any help on what else I can do would be greatly appreciated.