Good morning my name is XXXX XXXX I have a mortgage with wells fargo for my house that I live located at XXXX XXXX XXXX XXXX PA XXXX on XX/XX/XXXX2015 I apply for a home load modifications I provide all information requested wish I am enclosed here for you review XX/XX/XXXX2015 I received a letter of denial for my motification base on my income please note my income as I prove it on my documents are about {$2400.00}. a month and my expenss are over {$4400.00} a month I do n't see a reason why my modification can be approved when is clear I have a higher expense then income please I need your help to review this denial I want to keep my house and I want to have the help of my modification to reduce my monthly mortgage payments at my house it looks to me wells Fargo want to foreclose my house so they can make more profit see documents enclosedXXXX XXXX 
