WHEN YOUR LENDER THREATENS TO FORECLOSE

DOES YOUR LENDER OWN YOUR PROMISSORY NOTE?

Probably Not.

Follow along with us as we share the story of L. Alva and the steps every homeowner should take when their lender denies their home modification request.

STEP ONE:

April 8, 2010

Cara K. Heiden

Co-President

WELLS FARGO HOME MORTGAGE

Executive Communications

MAC X2302-019

1 Home Campus

Des Moines, IA 50328

515-324-3130

515-324-2872

Re: Loan Loan # xxxxxxxxxxxx8096

Equity Line # xxxxxxxxxxxxxxx1999

Ms. Cara K. Heiden,

I authorize Kelly L. Hansen to discuss Wells Fargo's denial of L. Alva's mortgage loan modification request of the residential property located at XX Via Santo Tomas Drive Rancho Mirage, XX, XXXXX with the Presidential Executive Communications Office of Wells Fargo Home Mortgage.

Sincerely,

L. Alva

XX   XXXXXXXXXXXX

Rancho Mirage, XX XXXXX