I am well aware that the sale and transfer of mortgages is very common.
I am pissed. I am stressed. I am annoyed that our mortgage was transferred at this time, in the middle of our loan modification application.
And now I am hysterically crying. At this very moment I am about to lose my mind. After writing a desparate email to Flagstar trying to get the process completed before the transfer I received a phone call.
We are not eligible. This is all after finding out that the insurance company would not cover Nathan’s hypertonic saline. I am fighting that as I type.
But anyway, we are not eligible because in order to get out payment low enough they would have to set aside close to $140,000 of our mortgage balance and that is not allowed according to the program guidelines.
So now what? I guess we are going to have to sell our house and still owe $50,000 on the loan. I am going to lose all of our down payment which is all I have left of my inheritance from my mother.
Can you tell I am frantic?
This is only the beginning of the end.
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10 comments
I am so sorry that you are going through this. My family is also stressed about money…we both have good jobs and work hard, but it still isn't enough. It is really hard right now.
Good luck, and know that people are thinking of you and praying for you.
I am sooo sorry Christina. I feel like crying with you! It breaks my heart because I can imagine how hard all of this is to deal with. Big (((Hugs))) coming your way, and lots of prayers too. Hang in there sweet friend, God will take care of you!
oh, no. so sorry. thinking of you!
This may sound silly, but I think you should call Dave Ramsey. Seriously.
He has a radio show on every single day for 3 hours I think and they are always looking for callers and he could REALLY help. I just know it.
http://www.daveramsey.com/radio/home/
It couldn't hurt right?
I am so sorry that you are going through this. I will pray for God to give you peace in whatever lays ahead.
I am so sorry you are going through this right now. I will keep praying for you. Sometimes, I have looked back at something truly terrible that happened and been able to see the protection of God. I hope you do not lose your home, but I trust that whatever happens, God has got your back. May He shower you with peace as you go through this.
I am so sorry you are having to go through all of this! Remember I'm here if you ever need to vent!
Hoping things are ok…I keep checking for an update.
What a absolutely crappy situation all around. I wish with all my heart I wasn't struggling myself to make ends meet or I would donate as much as I could to you guys. All I can offer right now is my whole hearted prayers for your situation to turn around and somehow work itself out. Please know you are in my thoughts and prayers.
So sorry my friend… Sometimes I just want whatever is going to happen to happen… The waiting, and praying and patience is sometimes more than I can bare… my heart goes out to you, God has some awesome things in store for you… Much love Marcy