XXXX we requested a loan modification from Well Fargo and finalize the process XX/XX/XXXX. No need to cover all the details as they are covered in other filings with CFPB. 

When we requested the loan modification our mortgage payment was {$1200.00} with a income of {$3100.00} and a mortgage of {$120.00}, and a 20 year payoff, after the loan modification our mortgage payment was {$1100.00} with a monthly income of {$3100.00} and a 40 year payoff, something does not add up. 
