So we would really like to save our home. We were denied our modification request based on they say everything is considered to be affordable under this program.
What I've been trying to tell BOA for the past 3 years is that sure it is affordable if you look at our gross income but in our particular family situation, that's unfair. We got behind on our mortgage when I was forced to change jobs because of the need for a work/life balance due to my daughter being diagnosed with a chronic disease. I took an approximately $25,000 per year paycut. Between my husband I, we have $8,000 taken out of our paychecks for flexible spending for our daughter's medical expenses and then we still pay tons out of pocket.
So I've been browsing this forum and reading about the DOJ help available. Should I ask BOA if we are eligible?
We originally got our home loan from Countrywide over 11 years ago and now BOA has it. We are upside down in our mortgage about 45,000. We are very behind on payments and foreclosure is put on hold because we've been working with BOA for MANY months trying to work this out. Everytime I call, I get a new "direct point of contact" and have to retell our entire story. Do they ever consider particular family situations like ours?
Thanks for any suggestions. BTW, I'm in Texas if that matters.