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process of going through a loan modification. i have to send in my expenses and income. I was trying to figure it out myself. when wells fargo looks at my debt to income do they put my mortgage in with it or do they just do my reg expenses.

Your debt to income ratio is calculated by adding all of your debts including your full mortgage payment and dividing that number by your total gross monthly income.
Here is an example.
Total monthly debt = $2250.
Total gross monthly income = $5600
$2250 / $5600 = 0.4017 or 40.17%
Most lenders are looking for 38% or less.

Debt to Income ratio is your total expenses divided by your total income. Typically they dont like to see anything above 38% but it varies from bank to bank. They wont include your mortgage.