Lost job need mortgage help

Find mortgage help and stop foreclosure.
Igtye
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Lost job need mortgage help

Postby Igtye » Fri Mar 18, 2011 5:15 pm

I recently purchased a house unknowingly that I would lose my job days later. I have been surviving from my savings, using it to pay my mortgage loan, but nothing is left. I have been job searching and having interviews but haven't had any luck in finding a new job, and every day I am further behind on my mortgage. Assistance with anything would be appreciated. I am a single mother receiving no assistance from family or friends. Any help will be greatly appreciated.

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Re: Lost job need mortgage help

Postby Admin » Tue Apr 05, 2011 9:07 am

Sorry to hear about job lost. Definitely keep asking friends and family. In addition, the federal government created a new program to help the unemployed and people who have lost their jobs. Usually provide a low or zero interest loan that eventually needs to be repaid, even once the house is sold. And the loan can also be forgiven over time. The program is known as the hardest hit fund, and it can help thousands of people in almost every state. More info, and how to apply, is referenced here. Find your state to get phone numbers and application process for the hardest hit fund.
http://needhelppayingbills.com/html/har ... _fund.html

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Re: Lost job need mortgage help

Postby List10 » Fri May 27, 2011 9:23 am

We are looking for help paying our monthly $872 mortgage payments. My husband had to take a $4/hr pay cut to keep his job after being there for almonst 15yrs. We have gone through a loan modification with BOA turned us down saying we make more money than what was reported. We have always been able to make our bills. Have had to utilize money from my husband's 401k account to stay current. Interest is at 6.5%. We just need a lower interest rate and decrease in our monthly monthly payments! Can anyone help us??? Thank you for your time.

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Re: Lost job need mortgage help

Postby Admin » Mon Jun 06, 2011 9:46 am

Yes, unemployment is probably the leading reason these days for people to face foreclosure and possibly lost their home. A few options for you are free HUD counselors. Another option is the new federal government mortgage unemployment fund. It is known as the [urlhttp://needhelppayingbills.com/html/hardest_hit_fund.html]hardest hit fund[/url], and billions of dollars are flowing to pay the mortgage for people who are unemployed. An interest rate of 6.5 is low. Not sure how much lower you can get. But the hardest hit fund does provide loans, some of which may never need to be repaid if you qualify! So it is a good deal, and states like Florida, California, Ohio, and most major states all run the program.

List10 wrote:We are looking for help paying our monthly $872 mortgage payments. My husband had to take a $4/hr pay cut to keep his job after being there for almonst 15yrs. We have gone through a loan modification with BOA turned us down saying we make more money than what was reported. We have always been able to make our bills. Have had to utilize money from my husband's 401k account to stay current. Interest is at 6.5%. We just need a lower interest rate and decrease in our monthly monthly payments! Can anyone help us??? Thank you for your time.

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Re: Lost job need mortgage help

Postby Betty » Wed Jul 06, 2011 9:23 am

My home is in foreclosure for 8/2/11 and my mortgage company does not participate in the Obama program. Behind on my mortgage they want 16000 to catch up because of late fees, rent, taxes, insurance. I've lost my job several time through out the years and my husband is the only one working and i'm recieving unemployment. Please help me someone. I don't want to loose my HOME! God Bless You and thank you for trying to help me out.

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Re: Lost job need mortgage help

Postby Admin » Tue Jul 19, 2011 9:01 am

I think you should apply for the HUD Emergency Homeowners Loan Program, which offers a low interest loan that doesn't need to be repaid if you meet certain criteria. Find out how to [url=Emergency Homeowners Loan Program]apply for Emergency Homeowners Loan Program[/url], and the government and non-profit agencies that accept applications and administer it. It is for the unemployed who need mortgage assistance.

Betty wrote:My home is in foreclosure for 8/2/11 and my mortgage company does not participate in the Obama program. Behind on my mortgage they want 16000 to catch up because of late fees, rent, taxes, insurance. I've lost my job several time through out the years and my husband is the only one working and i'm recieving unemployment. Please help me someone. I don't want to loose my HOME! God Bless You and thank you for trying to help me out.

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Re: Lost job need mortgage help

Postby Hamburg » Tue Aug 16, 2011 7:42 am

I recently lost my job and I quickly got another however it pays less than I was making. My husband has a job also but they don't provide many hours and he only make $7.75/ hourly and I am making $8/hourly. Our mortgage is $1050/monthly due by the 5th we are in a terrible position at that we aren't able to pay it at the moment our bank is over drawn $400 due to utility bills and insurance for our one vehicle. If there is any assistance we can get please send me that information that you for your time and consideration. Sincerely,

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Re: Lost job need mortgage help

Postby Raleigh » Wed Aug 24, 2011 1:30 pm

Hello, I've been going stir crazy trying many web sites to search for help,hopefully you can assist me or direct me . I'm trying to get everything I need together to inorder so me and my EX wife can review and sign , we wat no contest ,just mark the x and go.My mortgage company has provided me with the info they want,but I don't quite understand. CAN SOMEONE HELP ME, I'm a 70% disabled veteran,dealing with the review board ,and Doc visit's, I can't tell if I coming or going ,I also would like to know I can apply for emergency money,I could really use it ,I have been trying to get a internet loan,payday loan now matter the consequences.I have to fix my truck,food,gas truck, household heating fuel,I finaly recieved my new furnace(oil burrner), I have been fixing the old one ,and using elec.space heaters for around four years,I also have a fire place. The old furnace was worn out,When fixing it would last a day maby 2,then soot up the house with black smoke. Thank god for Weatherization God bless them. I don't like swallowing my pride, bing a Marine that sense of pride you achieve,it's hard. I guess you have to do what you do,If you can help or turn me to someone can,I have a lot of work on the inside as well the out. I need to get things done so my siding get any worse,red wood siding . I was looking for a gov. grant or loan I don't care at this point,I need help non the les.l Thank you if you can,If not I wish the best for you,I know I write to much trying to make a point in a thousand words instead of just two.

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Re: Lost job need mortgage help

Postby Intel » Tue Aug 30, 2011 7:57 am

I lost my job in July 19th 2011, just received a notice from court the apt i was renting is foreclosed writ of pocessing set for 08/31 cannot find help anywhere, have 2 children dont have money to move, and afraid to end up in the street if i dont get any help, i need assistant with deposit and first month;s rent in Mesa Arizona dont know what to do please help me!!!!!!

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Re: Lost job need mortgage help

Postby Admin » Thu Sep 08, 2011 9:43 am

Arizona has been devastated by the housing crisis and foreclosures. Maybe the hardest hit state. The good news is Arizona homeowners do have some options, many of which are free, that they can call upon. Find our information on Arizona foreclosure assistance agencies, services, and programs.

Intel wrote:I lost my job in July 19th 2011, just received a notice from court the apt i was renting is foreclosed writ of pocessing set for 08/31 cannot find help anywhere, have 2 children dont have money to move, and afraid to end up in the street if i dont get any help, i need assistant with deposit and first month;s rent in Mesa Arizona dont know what to do please help me!!!!!!

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Re: Lost job need mortgage help

Postby Elliot » Thu Jan 05, 2012 9:40 am

I am needing some assistance with my mortgage. Who do I contact to get help? I have not received a paycheck in a year. I am working on a commission job and not receiving pay. I have been looking for other jobs for the last year but have not been able to get any. My family has been helping me make my mortgage payment so I can stay current. They are no longer going to be able to help me. Do I actually have to have late payments for someone to assist me? I am trying to be proactive and help myself and help the bank before either of us gets in a situation that will harm us both and or have a negative impact on us. My bank is Chase and I attempted to get a modification but they turned me down saying I do not have a financial hardship. I have not had income coming in in my name in the last year. If they refuse to help me and I can't find help once my payment start going late at that point I'm just I'll let the house go to foreclosure. I'm trying to work with people to keep us all in good graces to where nobody has to be penalized in a major way. I don't want to lose my house and I know the bank does not want anymore foreclosures on their books, it just does not seem right that I have to penalize myself and be late before they will consider helping me when I can show that I have a financial hardship. Thank you for your time and I hope you can help.

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Re: Lost job need mortgage help

Postby Admin » Mon Jan 09, 2012 8:55 am

Chase does have a number and wide variety of mortgage modification programs and financial counseling. If you called them already and they gave you the so called run around, then you may want to work with a non-profit HUD foreclosure counseling agency. They may be able to put more pressure on Chase for you. Until then, find a listing of Chase mortgage programs and services, their phone numbers, and more. For example learn about the Chase Deed-in-lieu of Foreclosure and other options.

Elliot wrote:I am needing some assistance with my mortgage. Who do I contact to get help? I have not received a paycheck in a year. I am working on a commission job and not receiving pay. I have been looking for other jobs for the last year but have not been able to get any. My family has been helping me make my mortgage payment so I can stay current. They are no longer going to be able to help me. Do I actually have to have late payments for someone to assist me? I am trying to be proactive and help myself and help the bank before either of us gets in a situation that will harm us both and or have a negative impact on us. My bank is Chase and I attempted to get a modification but they turned me down saying I do not have a financial hardship. I have not had income coming in in my name in the last year. If they refuse to help me and I can't find help once my payment start going late at that point I'm just I'll let the house go to foreclosure. I'm trying to work with people to keep us all in good graces to where nobody has to be penalized in a major way. I don't want to lose my house and I know the bank does not want anymore foreclosures on their books, it just does not seem right that I have to penalize myself and be late before they will consider helping me when I can show that I have a financial hardship. Thank you for your time and I hope you can help.

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Re: Lost job need mortgage help

Postby Derrick » Tue Aug 20, 2013 2:27 pm

I am a retired 56 year old male and I just had a significant reduction in my Social Security income due to a Garnishment. Now I am unable to pay my Mortgage or Electric bill. I am working with my Mortgage Company and I am still waiting to here from them. I have tried to get help with my mortgage but I don't seam to qualify for any of the programs that I know of. My electric bill is what I am looking for help with because I am unable to pay it at all. I am not behind in any of my bills yet, but I will be if I don't pay them this month. I live in Mesa AZ in a mobile home by myself and don't have a job. Been here for 8 years but now I may lose my home because I can't get any help. If there is any information or anyway that you can help me I would really appreciate it and would be forever thankful.

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Re: Lost job need mortgage help

Postby erkel » Sat Mar 15, 2014 7:33 pm

I am in need for help in following areas:
Free mortgage help and foreclosure prevention.
Debt help and reduction of credit card and medical debts.
Due to high mortgage bills, loss of job and house loans our family are unable to buy groceries some months or get gas to get from point A to point B..
I am hoping to get some help so I can help others as well.
Appreciate any effort to help our family.

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Re: Lost job need mortgage help

Postby Admin » Mon May 04, 2015 9:42 pm

Since you need much more than mortgage help, you may want to try HUD counseling. These non-profits in New Jersey offer many services for everything from a mortgage to debts. So try them. The advice should be free (based on your income) or there may be just a low cost. http://www.needhelppayingbills.com/html ... e_cou.html


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