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This might not apply if you're already in a foreclosure status; I don't know much about foreclosure. But here's the Wells Fargo modification application process:

Call Wells Fargo. You'll go through a financial worksheet over the phone going over all of your income and every one of your monthly expenses (including credit card and loan companies and balances).

If you're not immediately qualified (and almost nobody ever is), you'll send in some documents for further review:

1. A hardship letter. That's a letter from you to Wells Fargo telling them about your financial difficulty, and anything else you want to let them know about your situation. You can also include what kind of help you need, if you want to.

2. Proof of income: This is usually paystubs from people's jobs, but just get whatever you can to prove how much money you've received in the last 30 days. Preferably an official document from the source of funds (not a bank statement, if you can help it). If you're self-employed, they'll want a profit and loss statement for the last 90 days.

3. Financial worksheet.

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Make sure all 3 documents are signed and dated by the borrower--both borrowers, if there's two of you. Make sure every single page has your loan number on it.

Fax the documents. Wait 2 or 3 business days, and call back to make sure they received the documents.

THESE DOCUMENTS EXPIRE AFTER 30 DAYS, so if Wells Fargo hasn't made a decision in 20 or 25 days, get all 3 documents together again (with the most current info--if the info is the same, just put the new date on it), being sure to include the most recent proof of income, and fax it all back to that number again. Never forget to sign and date your documents, and be sure your loan number is on every page. Forgetting any of these steps can be enough to remove you from review for a modification.

Call Wells Fargo every week or two to check on the status of your application. If the collections rep doesn't do it anyway, ask them to put you on hold so they can check with Loss Mitigation. Loss Mit has access to info that Collections doesn't, and that info might be important for you.

ALWAYS MAKE YOUR MORTGAGE PAYMENTS, NO MATTER WHAT ANYBODY TELLS YOU, but do not make partial payments. A partial payment can be applied to all sorts of things you didn't want it to. Just make one mortgage payment at a time whenever possible.