[rodi1980]

We bought our home in 06 with the contentions of the garage being a legal one bedroom apartment because that was what was there and we bought the house with our friend. Later on 07 we were reported to the county and we had to shut down the 1 bedroom apartment because it was illegal. Long story...another day. In June 08 I was nine months pregnant, my husband loses his job and now is working but at half his income, since July we have been telling Countrywide we can no longer pay for this house because the income isnt there. Another issue, before we bought this house we were going to rebuild on top of my mother in laws house which my husband refied her house, we paid most of the loan back when we couldnt do the additon but my husband has a mortgage on that house but this "techinally isnt his house, but in order to do the refii orignally they had to put his name on the deed. How do we get help. OUr servicer is fannie mae.