What if my mortgage investor does not participate in HAMP?
My primary mortgage is being serviced by Wells Fargo and for the past two years, they’ve kept me hanging as to whether I could be approved for HAMP loan modification or not. Finally, I get someone on the phone who tells me my mortgage investor (who they only identified by a number) does not participate in HAMP; therefore, none of the loan modifications are even an option to me. I thought WF was my investor so this whole thing has left me shocked and confused.
Does anyone know if I really have no shot at HAMP? Was I told the truth? Are there other things I can try? Thanks for any advice.