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hjova · 12-07-2008, 08:03 PM

My heart goes out to you. I just wanted you to know you're not alone.

I have lived in my home for 14 years. I had no choice but to re-finance 2 1/2 years ago in order to get my home put in my name and out of my ex-husbands after our divorce. My house payment went up $1000.00 over night! But I felt it was worth it because I would evenually be able to re-finance and my kids would get to stay in the home they felt safe in.

So took a 9% starting interest rate which has now climbed to almost 10%. I can't re-fi and it's set to jump again. But I just can't keep up with those high payments! After 3 months of hard work w/ my lender I was told I would get a loan modification only to be told a week later NO!

I have put so much time and energy into this it has about killed me! I just want my life back. I just hired the attorney they recommend here to try to negoiate for me. I'm currently 60 days late and feel like I'm in limbo. Do I put up my Christmas tree? Do I tell my kids? Do I look for a new place to live?
It's a bad feeling I know...but I just couldn't fight my lender longer. I'm drained. It's very unfair.

I wish you & your family the best...you have done so much you truly deserve it.

12-07-2008, 08:03 PM	#52 (permalink)
hjova Senior Member Join Date: Nov 2008 Posts: 33 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	Re: Our WAMU story My heart goes out to you. I just wanted you to know you're not alone. I have lived in my home for 14 years. I had no choice but to re-finance 2 1/2 years ago in order to get my home put in my name and out of my ex-husbands after our divorce. My house payment went up $1000.00 over night! But I felt it was worth it because I would evenually be able to re-finance and my kids would get to stay in the home they felt safe in. So took a 9% starting interest rate which has now climbed to almost 10%. I can't re-fi and it's set to jump again. But I just can't keep up with those high payments! After 3 months of hard work w/ my lender I was told I would get a loan modification only to be told a week later NO! I have put so much time and energy into this it has about killed me! I just want my life back. I just hired the attorney they recommend here to try to negoiate for me. I'm currently 60 days late and feel like I'm in limbo. Do I put up my Christmas tree? Do I tell my kids? Do I look for a new place to live? It's a bad feeling I know...but I just couldn't fight my lender longer. I'm drained. It's very unfair. I wish you & your family the best...you have done so much you truly deserve it.