Wells Fargo has internal loan modification policies with a “waterfall” component designed so they can squeeze the maximum cash or property out of their customers (click on documents to see larger versions).

Long term (1 year+) modification programs for Wells Fargo-owned loans:

Modification programs for loans serviced by Wells Fargo:

Long term (1 year+) modification programs for GSE, FHA and VA loans (Owner occupied primary residence):

Long term (1 year+) modification programs for GSE, FHA and VA loans (Owner occupied primary residence, second homes, and investment properties):