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None. In 2005 I refinanced my home with a interest only loan. The terms were 10 years interest only at 5.5 % what I did n't realize was that after the 10 yea years it turned into a 5 year loan at 5.5 %. My payment has gone from {$1800.00} per month to {$5900.00} per month. I had figured out what was happ- ening two years ago. My mortgage is with Wells Fargo and is serviced by XXXX America 's servicing Co . So in the last 2 years I have made numerous attempts to refinance and or modify. Wells Fargo rejected me twice for the mod after lengthy processes saying I was not in financial distress and suggested being delinquent for 3 months which I refused to do. have also tried to refi with them 4 times and was rejected because of income. Unfortunately my son XXXX 3 years ago and I stopped worki