In XX/XX/XXXX I was granted a loan modification with my mortgage lender Wells Fargo after XXXX years and XXXX attempts. I was relieved that I was granted the modification and would be able to remain in my home. 
XX/XX/XXXX I listed my home for sale and attempted to obtain a mortgage on another home. I was denied the new mortgage due to a low credit score resulting from the years of " late payments '' that were reported by Wells Fargo during our working together to obtain the modification. In addition, I was recently told that due to the modification, I would not be able to attempt another loan for a mortgage for XXXX more years. These dings on my credit and inability to apply for a mortgage were never spelled out during the process. 
In addition, I also now have a lien on my title from FHA for XXXX. Please advise! 

Thank you! 
