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They denied me, left me with a hard inquiry for nothing. I’m on the verge of ruin. The problem is that roof repairs need to be addressed fairly quickly. Failure to take care of your roofing problem in a timely manner will lead to other problems that will end up costing me a lot more to resolve...

BTW SBA has issued a new forgiveness application, Form 3508S. It is available for use if your loan was $50k or less.

Left Wells Fargo years ago. Had several mortgages with them over the years. It's a corrupt business organization.

Helocs (home equity *lines of credit*) are great tools for consolidating high interest debt to help you get out of debt faster if used properly (as your only bank account), also a great way to buy assets such as real estate that would take most people literally a lifetime to save up the cash for.