We all know how the economy has been... and with 6 months behind in mortgage, I don't seem to have many choices when it comes to fixing my situation. As you read this ad, bear in mind that I am working again starting tomorrow. I've been looking for work since October 2008. I'm a techie, and while I have been laid off for a good number of months, I make a what I think are better than average wages.
So, if there is someone or a group of folks that can help, maybe you're interested in buying it off me, here are my thoughts (until I hear back from a couple of companies I have contacted over the weekend):
1. I need 12K to bring the loan current. I can easily pay my mortgage, and any reasonable amount monthly if I could secure a loan to just pay the re-instatement.
2. Sell the home and walk away. 148K will get it, but I'm not sure if the home is even worth that much at this time. I've been told to look into doing a short sale, but after what I have read about them, they seem to be as damaging as a foreclosure itself. I ask myself "Why bother with it at all?".
3. Being that this is an FHA loan, and my first home loan ever, I would refinance it if this is REALISTICALLY possible. How can I get a refi for a home that I am 6 months behind on???? Sure, I claimed hardship but my mortgage company has not been very... whatever. They were suppposed to send me a loan modification package via email, then via post mail, but I STILL have not received it and it makes me think they're just going to move forward with FC no matter what.
Please contact me if you have any information that might help either me, you, or both of us.
As a personal note, it would not bother me to walk away from the home. I purchased it due to the proximity of my children, but my Ex has recently moved into Clayton County.
Subscribe to:
Post Comments (Atom)
No comments:
Post a Comment