I have been trying to restructure my mortgage for an affordable payment with Wells Fargo for years. They continue to stall and delay working out a favorable solution. I heard from Senator XXXX XXXX office who is attempting to assist me and they said Wells Fargo told them I have qualified for a restructuring with an interest rate of 3.75 % and a mortgage payment of {$960.00} a month. My previous payment was {$910.00} a month. When I started this process I was looking for a lower, more affordable payment. If I can not afford a {$910.00} a month payment how can I be expected to afford {$960.00}? 
Wells Fargo refused to negotiate with me when the market was down and my house only appraised at {$88.00} but now that the market has recovered they are trying to extort as much as they can from me. 
They are calculating this payment on my current income however I will be loosing my XXXX payments of {$1500.00} a month in XXXX and I start repaying my student loans in XXXX. 
There are several affordable payment options they could use to get me a {$700.00} a month payment but they refuse to even consider them. 
