Borrower paid {$210000.00} for XXXX, GA XXXX in XXXX, relying heavily on market value assigned by appraiser selected by Lender Wells Fargo Home Mortgage. Original mortgage balance was {$160000.00}. Current mortgage balance is approximately {$130000.00}. Mortgagor attempted and failed to refinance principal mortgage balance with Wells Fargo Home Mortgage in XXXX, XXXX and XXXX. Mortgagor invested more than {$50000.00} in property improvements from XXXX to XXXX. Appraised property value plummeted to $ XXXX in XXXX and $ XXXX in XXXX, according to appraisal companiesselected by Wells Fargo Home Mortgage. Mortgagor requested Lender to modify principal mortgage balance by {$40000.00} to offset hefty market-driven decline in property value. Lender declined. Mortgagor requested Lender to provide copy of original XXXX Application signed in XXXX. Lender could not provide copy of XXXX Application signed in XXXX. Mortgagor has been advised by other lenders that existing mortgage loan is non-conforming and is not owned by XXXX or XXXX XXXX. Wells Fargo Home Mortgage did not disclose to Mortgagor that loan is non-conforming and restrictive. On XXXX XXXX, XXXX, Wells Fargo Home Mortgage XXXX, GA branch Home Mortgage Consultant XXXX XXXX XXXX ( XXXX ) informed Mortgagor he had checked with his supervisors and learned mortgage loan is HARP eligible. Mortgagor requested HUD-GFE disclosure for HARP refinancing. XXXX XXXX XXXX sent Mortgagor XXXX Application that contained factual errors and disclosures for a Conventional refinance -- not HARP -- with interest rate of 4.625 %, and estimated closing costs of {$3300.00} that included appraisal fee of {$430.00} for Lender 's benefit only. Requested documentation was extensive, even though Mortgagor has a current FICO score of XXXX and more than 12 monthly payments in reserve. Every time Mortgagor contacts Wells Fargo Home Mortgage for copies of loan documents and resolutions, a different Wells Fargo Home Mortgage representative responds with dismissive rhetoric stonewalling requests and resolutions. 
