[scbrvt]

That's so funny. If you ever need veterinary advice, you're welcome to ask me. And darnit I forgot it was a holiday. The hospital where I work never really closes, so I always forget about holidays. I'm off on Mondays, but I guess I won't get too far this week. Bummer. Another week down the tube and another week closer to crisis time.

I just finished reading the thread "It’s Not All Subprime. Pay Option ARM’s - California’s Billion Pound Gorilla" and it looks like I'm in even more trouble than I thought. Not only do I have one of the most (if not THE most) difficult to negotiate with lenders, but I have the same crappy type of loan that they've pretty much said they're not willing to modify. I don't know if my "friend" the loan broker was working in what he thought to be my best interest, but I do know that he has the same loan that I do on multiple properties of his own. He actually asked me to look into modification not only for myself, but to learn and teach him about the process, too. He's sh*tting himself, too. I would like to think that he would not have intentionally set out to screw me for his gain, but I'm going to pull out all of my loan docs from the beginning of time and try to see if he did.

Due to just having refinanced the apartment building, I can afford to make the fully amoritized payments on my house for a few months. Would that be advisable, or is that just stupid. After reading more and more on this site, it really looks like I am not going to get anywhere. The neg-am ARM, Countrywide, making minimum payments for the history of this loan, dropping value on my home, and a HUGE debt make it seem like even if they gave me a 40 year fixed at 6.5% or less, I still couldn't afford the payments. (Like Moe predicts in the above referenced thread.) Should I resign myself to a short sale and move in to my 2 bedroom vacancy at my apartment building?