[Nepeta]

recently in Texas dealing with Wells Fargo? My mortgage is held by Wells Fargo. I owe $95,000 on my note and the appraised value of my house is around $100,000. Unfortunately, many houses in my neighborhood have foreclosed and are selling for $15,000 to $20,000 below appraised value. I am going to need to sell in the next year due to relocating and don't think there is any way possible to get what I owe plus enough to cover closing costs. I also can't afford to pay the mortgage after I move out. I'm thinking I will end up in foreclosure. How long did it take once you were behind on payments before the bank started foreclosure proceedings?