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Single mom trying to keep our home

Posted: Sat Nov 28, 2015 12:11 pm
by 325smile
I am a single Mom with 2 great children. I am going to be 3 months behind on my mortgage as of December 1st. I am modifying my mortgage and need to stay only 2 months behind I was paying on time and then my car died. I was without one for over a month and live in a very rural area with no public transportation. I had to rent cars, get rides and miss work. I start work at 5am...tough time to ask for a ride. I had to turn down my extra hours and unable to work my little 2nd job. Finally bought a 1995 jeep Cherokee which broke down every week for 4 weeks.....close to 1000 in repairs. Now this month, My daughter has begun applying to colleges at 50 to 100.00 per app. She qualified for a few app waivers but not enough. She is a national honor student, top of her class and a 3 sport varsity player all 4 years in high school. She has worked so hard to get to this point!! Do I pay the mortgage or invest in her future?!? I am short 500.00 and she needs to apply to a few more schools asap for the payment I must make on Monday!! Because of illness and divorce my credit is poor and cannot get a short term loan. Any suggestions?

Re: Single mom trying to keep our home

Posted: Sat Nov 28, 2015 7:30 pm
by Admin
Hi,
We recommend non-profit HUD counseling for any mortgage questions/issues. The counselors will go over all options with you, ranging from modifications to what bills you should pay, etc. There are agencies in each state. We definitely recommend starting with them for advice, and locate the HUD foreclosure counseling agencies by state. They operate in all parts of the country.

Re: Single mom trying to keep our home

Posted: Sun Nov 29, 2015 1:28 pm
by 325smile
Hi. Thank you. I am already in the process of working with my mortgage company on a modification. They told me not to fall three months behind as it makes the process more difficult. I only have until the 30th to make that 3rd payment and I will not make it.
I have terrible credit due to my divorce and medical bills. I was looking for a way to pay that payment with a small short term Ioan. At this point it is too late and I will, as always, roll with the punches. You have great website with great information!! Thank you!

Re: Single mom trying to keep our home

Posted: Mon Oct 08, 2018 7:51 pm
by Admin
Are you in Alabama? if so, there are several state and non-profit programs offered. You can find them here.
https://www.needhelppayingbills.com/htm ... ortga.html
But yes, work with your lender on solutions first, then go from there.

325smile wrote:Hi. Thank you. I am already in the process of working with my mortgage company on a modification.