Hi, I have been paying for 8 years and 11 months on my XXXX and XXXX mortgage with no payment issues. My credit is flawless. I just became aware that my XXXX mortgage is going to adjust after 10 years and this will cause XXXX payment to go from {$1400.00} to nearly {$3800.00}. My XXXX also has a balloon that will come due in 5 years although the note has no term defined in the signed note. The combined mortgage payment will far exceed my ability to make payments. I reached out to Wells Fargo, ( my XXXX mortgage ) today and they can not do anything proactively to adjust my loan. My intention is to not have any lates or payment issues. I have an excellent job and am planning to live in my home with my wife and XXXX kids well past when they move out. I am open to look at financing and re-structure but it appears this can not happen until after is adjusts or I start missing payments. My equity position is far under water. Details : First mortgage XXXX owed Second mortgage : XXXX owed Approx value of property : XXXX Any help would be greatly appreciated! 
