Wells Fargo servicer of my mortgage invested by XXXX continue denying a fair review of my Request for a Loan Modification submmited basis on the " supposed '' fact that my mortgage is affordable, when is NOT. WF did not consider on affordability calculations, property tax payments ( do it by myself ), home insurance ( do it by myself ), HOA and Cluster ( both do it by myself ) as part of housing cost. When I include total housing cost my back to debt ratio is more than XXXX 
