[karenlehman]

I wanted to also ad that our taxes and insurance are included in the payment. We had never been behind in payments before, we let our cc payments go into collections so we would be able to make our house payment. My husband drives truck and things really slowed down this last fall and so we fell behind on our payments, but before that we were always current. Thanks for the help and advice in advance. I praise God for this site, I have hope that we can keep our home.