Wells Fargo Mortgage Loan Modification & Foreclosure Prevention Experts
Don’t Let Wells Fargo Take Your Home!
Are you receiving past-due notices from Wells Fargo Home Mortgage? Has your “Home Preservation Specialist” stopped returning your calls? You are not alone. Wells Fargo is one of the largest lenders in the country, and navigating their bureaucracy can feel impossible.
Since 1997, United Capital Mortgage Assistance (UCMA) has successfully helped thousands of homeowners negotiate with major servicers like Wells Fargo to lower monthly payments, stop sheriff sales, and keep their families in their homes. When your financial future is on the line, you need a team that understands Wells Fargo’s internal “Home Preservation” guidelines.
Why Choose UCMA for Your Wells Fargo Modification?
Dealing with Wells Fargo’s loss mitigation department often involves long hold times, the “document loop” (where they claim they never received what you sent), and confusing denial letters. UCMA bridges the gap with Experience, Expertise, and Authority.
25+ Years of Proven Results: We have been negotiating with Wells Fargo (and its predecessors like Wachovia and Norwest) for decades. We understand their specific portals and escalation procedures for FHA, VA, Fannie Mae and Freddie Mac loans.
Direct Access to Underwriters: We don’t just submit forms to a general fax number. We know how to package your hardship application to meet Wells Fargo’s specific compliance standards, ensuring it actually reaches a decision-maker.
Peace of Mind: Stop worrying about the confusing “Mortgage Assistance Application” (MAA) forms. We handle the entire application, communication, and negotiation process for you.
“I can hardly believe that you got my interest rate down…this gives me almost a $375.00 monthly savings and I keep my home! Thank you UCMA, thank you!” – D.G. – Illinois
Need Immediate Assistance?
Call 1-800-474-1407 for your Free Consultation or Click Contact UCMA or Apply Online and we will call you!
Wells Fargo Loss Mitigation Contact Information
If you are attempting to contact Wells Fargo directly regarding a hardship, we believe in providing you with the accurate information you need. Below are the current 2025 contact details for their loss mitigation departments.
Wells Fargo Mortgage Assistance Portal: Login to Wells Fargo Mortgage Assistance
Important Phone Numbers:
Home Preservation Specialist / Loss Mitigation:1-800-678-7986
Mortgage Customer Service: 1-866-234-8271
Home Equity Customer Service: 1-866-439-3557
Loss Mitigation Fax: 1-866-359-7363
Don’t Let Foreclosure Take Your Home!
You have options. With over 25 years of experience and thousands of homes saved, UCMA is the expert partner you need to deal with Wells Fargo.
Our Process: How UCMA Helps You Keep Your Home
We take the burden off your shoulders using a proven 3-step process tailored to your specific loan status.
Free Analysis: We review your current financial status, your specific Wells Fargo loan type (FHA, Conventional, VA, etc.), and your hardship to determine if you qualify for their modification programs.
Strategic Application: Wells Fargo is strict about their “Mortgage Assistance Application” (MAA). We prepare a professional package that is compliant with their standards, minimizing the risk of rejection due to “incomplete information.”
Aggressive Negotiation: We work directly with Wells Fargo’s underwriters to secure a loan modification that brings your loan current, potentially lowers your interest rate, and offers a monthly payment you can afford.
Government Agencies & Additional Resources
While UCMA provides professional representation, it is important to know your rights and the government resources available to homeowners.
CFPB (Consumer Financial Protection Bureau):Regulates the mortgage industry and protects consumers from unfair practices. Visit CFPB
HUD (Dept. of Housing and Urban Development):Provides government-approved housing counselors. Visit HUD
VA (Department of Veterans Affairs):Specific assistance for veterans facing foreclosure. Visit VA Housing Assistance
Frequently Asked Questions: Wells Fargo
Q: Why did Dovenmuehle deny my loan modification?
A: Denials are common but can often be overturned. Common reasons include:
Incomplete Application: If you miss one pay stub or page of a bank statement, Wells Fargo may deny the whole file.
NPV Test Failure: The “Net Present Value” test might show the investor makes more money foreclosing than modifying.
Surplus/Deficit Income: You might show too much income (meaning you can afford the current payment) or too little income (meaning you can’t afford the modified payment).
Q: What is a Trial Payment Plan (TPP)?
A: A Trial Payment Plan is a “probation” period for your modification. Wells Fargo will typically require you to make 3 monthly payments at the new estimated amount.
Permanent Status: Once you successfully complete the trial, Wells Fargo will send the final modification agreement for you to sign.
Q: Why should I hire UCMA instead of doing it myself?
A: While you can apply on your own, the process is document-intensive and prone to errors that cause delays or denials. UCMA acts as your advocate, ensuring your file meets all requirements and negotiating directly with the lender to secure the best possible terms for your situation.
Call 1-800-474-1407 for your Free Consultation or Click Contact UCMA or Apply Online and we will call you!
A trusted name in foreclosure prevention since 1997.
- Disclaimer: United Capital Mortgage Assistance (UCMA) is a private company and is NOT associated with the government, any government agency or any mortgage lender/servicer. UCMA is not a law firm and does not provide legal advice. All claims of success are based on past results and are not a guarantee of future outcomes.