I have a mortgage with Wells Fargo ( Loan No. XXXX ) and first put my XXXX XXXX house ( XXXX XXXX XXXX, XXXX XXXX, OH. XXXX ) on the market in XXXX 2015. I have maintained this property since I was divorced and filed bankruptcy in 2000. However, due to the house needing repairs that were beyond my financial ability to handle, I applied for a short sale in early 2015. I was approved for a short sale and Well Fargo appraised the house at {$22000.00}, though I owed {$62000.00}. I re-located in XXXX of 2015 due to conditions becoming un-livable. There have been no offers or even buyers inquiring on the property at {$22000.00}. 
Wells Fargo then retracted my approval for the short sale in XXXX of 2015. I then submitted an appeal with my updated financial worksheets showing a deficit. I asked for XXXX of XXXX options : 1. a deed in lieu of foreclosure. 2. Reconsideration of the short sale and an updated appraisal of the house based on fair market value. 
I was approved for the short sale and an appraiser from Wells Fargo was sent to property. However, they refused to release an amount. My realtor & I received an offer for the property of {$5000.00} and submitted this to Wells Fargo on XXXX/XXXX/15. The following properties have sold in my area for the amounts listed : XXXX XXXX XXXX, XXXX XXXX was listed at {$29000.00} but sold for {$5500.00} XXXX XXXX XXXX, XXXX XXXX sold for {$7000.00} XXXX XXXX XXXX, XXXX XXXX sold for {$6400.00} XXXX XXXX , XXXX XXXX sold for {$4500.00} I received a letter from Wells Fargo dated XXXX XXXX, 2015 that the short sale was again retracted. When my realtor, XXXX XXXX ( XXXXXXXXXXXX XXXX ) called Wells Fargo to find out why she was told that I had a surplus in financials due to the following : They do n't count tithing as an expense. 
They have limits on certain categories as to how much I can count as an expense. 
The first reason seems like a violation of my religious freedom. The second reason seems impossible to meet. My realtor was told that a single person could only count {$250.00} a month for ALL automobile expenses ( gas, insurance and car payment ). I spend {$100.00} a month on gas, {$97.00} a month on car insurance and {$300.00} a month on a car payment. This limit hardly seems reasonable. 
My house is going into foreclosure after my attempts to work with Wells Fargo. I feel I am trying every attempt to avoid foreclosure and work with the bank but I am hitting walls. I would like to resolve this issue and allow the house to sell for what is fair market value. 
