I have applied for a modification with my servicer Wells Fargo and was denied due to not making enough income. At the time of the denial I was making XXXX and my wife XXXX with a total of XXXX, my mortgage payment is {$1900.00} which would be a ratio of 18.15 % which to my understanding from my Investor " XXXX '' that would be too much income for any Government modification ( needs to be over 31 % ). However, I was denied due to not enough income. I need to inform you that I have XXXX credit card and automotive debt, it is just my mortgage payment and household bills. 

In the meantime of going back and forth with Wells Fargo, I XXXX XXXX lost my job and my wife XXXX XXXX actually got promoted. As you can see the income has changed yet again and when I tried to inform Wellls Fargo and re-apply they informed me that I need to make {$15000.00} per month to qualify for assistance. If I was making that amount I would not be delinquent, let me remind you {$1900.00} is my mortgage payment and balance is {$260000.00} and I am now delinquent abut {$48000.00} which is a total of {$310000.00}. My new household income is {$5200.00} which would put my ratio at 37.87 % and according to my Investor would be good for a modification. I ca n't get Wells Fargo to review my account or have them look at the new figures, when I asked what was the debts used due to the possibility that they could have transposed some numbers incorrectly I was told that they do n't have those numbers. 

I just need help saving my home and Wells Fargo is stonewalling me for some reason. Please help me save my home. 

Sincerely, XXXX XXXX 
