I AM FOUR PAYMENTS BEHIND ON MY MORTGAGE.MY LENDER IS WELLS FARGO.I HAVE BEEN DENIED ONCE ALREADY FOR LOAN MODIFICATION.I APPLIED AGAIN RECENTLY AND STILL AWAITING DECISION.WHAT HAPPENS IF DENIED AGAIN? I DONT WANT TO LOOSE MY HOUSE

I FELL BEHIND ON MY PAYMENTS.AT TWO BEHIND I CALLED WELLS FARGO AND A REP TOLD ME ABOUT LOAN MODIFICATION, SO I APPLIED. CALLED BACK EVERY THREE DAYS TO CHECK STATUS.THEY TOLD ME STILL BEING PROCESSED. COULD TAKE UP TO 90 DAYS. I ASKED WHAT DO I DO UNTILL THEN AND THEY SAID DONT DO ANYTHING. JUST WAIT .WELL AFTER 30 DAYS I RECIEVED A CALL FROM COLLECTIONS ABOUT THE NOW 3 PAYMENTS BEHIND. I EXPLAINED TO HIM WHAT I HAVE DONE, HE LOOKS UP MY INFO AND TELLS ME I HAD BEEN DENIED.FIRST I HAVE HEARD OF THIS... HE TOLD MR REAPPLY .SO I DID. NOW I AM 4 BEHIND AND IF DENIED AGAIN WHAT CAN I DO. I DONT WANT TO LOOSE MY HOUSE.