If the existing loan for your property that you want modified is in the names of both you and your wife, both of you need to sign the loan modification package regardless as to which of you are on legal title to the real property securing the promissory note by way of a mortgage or trust deed.If your wife will not sign anything for the loan modification process, you are at an impasse in getting it completed in that the loan will not be finalized until all required signatures are placed upon the paperwork for the request.I suggest you sit down with your wife and explain to her the need to carefully review the paperwork for the loan modification process, the importance that she understand the need for the modification and that she date/sign the application so it can be a completed package and submitted to the lender.Good luck.