My home can be saved. Please help me. I make enough money now to afford a modified mortgage that rolls in the payments that I am behind on if it puts the interest rate at the prevailing rate for a 40 year term. 
I applied to Wells Fargo for a mortgage modification in on XXXX XXXX, 2015. After they received my application they sold my mortgage to a new investor and to a new servicer, XXXX XXXX XXXX. The loan was sold on XXXX/XXXX/15. They sold my loan to XXXX so that XXXX could foreclose on my house. XXXX is notorious for denying modifications and speeding through the foreclosure process. Despite the fact that my mortgage was being reviewed for a modification they sold my mortgage to XXXX who immediately began foreclosure proceedings. After my mortgage was sold to XXXX I received a HAMP denial letter from Wells Fargo stating that my loan was denied for several reasons that were inaccurate. Their waterfall analysis did not follow the proper procedures in the HAMP guidelines and there were errors. I received a letter from Wells Fargo saying that my loan modification was denied because Wells Fargo was unable to create an affordable mortgage payment. I make sufficient income for a modification. XXXX XXXX had told me that my modification application would be sent to XXXX, yet XXXX claimed that they never received it. My denial letters from Wells Fargo were mysteriously dated XXXX/XXXX/15 the same day that my loan was transferred to XXXX. This fact tells me that they did not actually review my application but just fabricated reasons for the denial. I allege that they did this because they wanted to sell my mortgage to XXXX for the following reasons : They wanted to sell my mortgage to XXXX so that they could foreclose ; and XXXX does not want to buy loans that are still eligible to be modified because they make money buying mortgages at a discount and then foreclosing on the homes. I wrote to Wells Fargo to ask for details of my denial and to appeal my denial. I never heard back. If Wells Fargo and XXXX want the benefits associated with participating in the government programs and they do participate in the government programs then is n't it my right to appeal the denial? If my application is denied with Wells Fargo then I need to know the accurate reason for my denial. I would also like to know which modification programs I was reviewed for and the calculations that determined that I would be denied. I have attached the denial letter that Wells Fargo sent me and my appeal to this email. I faxed my appeal in and emailed XXXX XXXX who was the person at Wells Fargo assigned to my account. 
