My client wants to modify if at all possible. Loan is with Wells Fargo, and I am pretty sure it is Freddie Mac (I did a BPO last month and it indicated it was a Freddie). In their divorce the house was awarded to the husband. Wells Fargo is telling him that they have to consider both incomes for establishing income for the modification. I would disagree with that. Anyone have anything that can help them? I don't want to see them do a short sale and hope to see them hold on to the house until the market is better and their kids are grown.