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None. I took out a mortgage with Wells Fargo on or about XX/XX/XXXX. The amount financed was originally for {$160000.00}, at the rate of 4 % and the monthly payment was to be {$1100.00}. Since then, we have had some financial difficulties and I have had 2 loan modifications. As of the date of XX/XX/XXXX, my payments are currently ( roughly ) {$1200.00} and my current balance due on the loan is {$180000.00}. I am currently 5 months behind. I have tried working with Wells Fargo, providing them with all of the information that they requested, but I was told the only thing that I qualified for was a short sale. I do not want to sell my home, I want to keep it. When filing the requested paperwork this time, they requested that my fianc sign a non-borrower contribution form. She did so, as she h