[jimval67]

...fargo. I am going through a loan modification. what will be a reason? for me being denied for a fixed rate when my modification is over.

[harmsway]

You may be denied for having too much or too little excess cash each month

[NE Settlement]

The ability to fix your interest rate through loan modification will mostly be based on the investors guidelines for your particular loan. The investor (original source of the cash) will participate in certain programs, and those programs will be the only options available for Wells Fargo to place you on.

Most loan modifications these days will fix your interest rate. At the moment interest rates are fairly steady so huge jumps would be unexpected. However, it's not in anybody's best interest to have you falling behind in two years if your interest rate suddenly jumps by 2 points.

Keep doing what you have been doing, trying to qualify for the loan modification. There's no special approach to take that would increase the odds that they will fix your interest rate.