Last year my husband and I were both working and paying our Countrywide FHA Loan just fine. In Feb he decided it was time to check out (attempted suicide) and after that failed attempt we agreed to divorce. He signed over a quit claim of the house to me unencumbered with the exception of the Countrywide Mortgage. Then I lost my job. Ever since then I've been working temp jobs and my family has helped me make the mortgage payments to salvage the house. I've gotten behind and can't keep it up much longer. However, since this past January (2008) I've been working steady with a temp company floating from one job to another but a steady paycheck - even though it's still not enough to cover everything. I've tried to contact Countrywide each and every month to try and work out some sort of loan modification, workout plan anything that would help me keep my house but get me current on the payments so I could move forward. Now, I'm at the brink of going 3 months behind and Countrywide is just now telling me that I am preapproved for a forebearance - preapproved - not approved yet. They are sending me a 'package' within 4-6 weeks to gather all the info they need along with a hardship letter and financials. What I'm worried about is that the mortgage was originally signed for by my husband. While Countrywide recognizes and acknowlegdes that I am now living in the home and they have proof of the quit claim to me - the loan docs are still not in my name - so how will they be able to work this out with me? I'm afraid they're going to tell me one of my family members will have to sign for something and they can't do it either. I don't want to lose my house. Can anyone help here?
Thanks!
