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Hello, My name is Allicia. I'm a single mother and disabled veteran. Three years ago I lost the use of my right arm and Lost partial use of my left arm. Several attempts to repair my shoulders by the VA medical center have resulted in more damage leaving me unable to work.

I have worked very hard at maintaining a life for my three daughters through out.  My sudden disability has definately caused a hardship on them and my entire family. They have all done great at helping where they could.

Unfortunately my house payment of fell behind two months during the time that I was waiting for my disability rating from the VA. I am able to pay the payment every month and have managed to get most of my bills current except the two payments on my house.

I recently modified my loan and dont qulify for anther modification.  Now that I am on a fixed income increasing the payment to eventually get caught up is not in my budget. The value of my home has decreased so much that i'm only about $1000 away from being upside down. 

I purchased my home in 2003 for $130K.  In 2006 it was appraised for $201K.  I totally remodeled the house in 2006 and today I owe $146K and it appraises for approx $147. 

My home is all that I have for my children.  I dont want to lose it.  My new fixed income allows for the payment but not the arrears.  My monthly payment is $965.  I owe about $1900 for two monthly payments.

Please, If anyone has any ideas please let me know.  Thank you.

I have come across two programs that are HONEST that can help those in need with mortgage help.  In fact one of them is helping me save my own house. I happen to be using the first program and going through my own mortgage company to do so.

My suggestion would be to first contact them and ask them if there are any new programs that can help you save your house.  My mortgage company said that this program (makign home affordable) wasn't available until May 1 so one never knows until they ask.  I wish each and every one of you the best of luck.

http://makinghomeaffordable.gov/eligibility.html

https://www.naca.com/index_main.jsp

I will add more under the title of "In need of Mortgage Help? Part X" when I come across more links so you will be able to find any other links that I have posted with regards to this subject matter in this blog.  

I need help paying my bills, I lost my sister and just don't have enough money to pay my bills, hardly any foods, not enough money to pay my mortgage payment and gas to go to work. Thanks for your response 

Hi I am a 41 year old mother who has worked my entire life. I have 2 daughters 18 and 21 and an 8 month old grandson living at home with me.  My situation happened about 9 months ago. I was working as a loan processor for a mortgage broker and one day I showed up to work and the doors were locked, my boss bounced the rent check. Needless to say I no longer had a job. My paycheck bounced also. Well, I went on unemployment and had a little savings. I had just had this new grandbaby to take care of and my daughter and I could not afford the daycare and she was nursing her son too. So I hit the pavement hard and sent out resumes and went to doors and made phone calls. I had no luck, the only thing I really know how to do involes the mortgage industry, and it is dying. To make a long story short this went on for months, my unemployment ran out and so did my savings. I took little part-time jobs here and there just to keep my head above water but wasn't making enough to pay everything. (By the way I have muscular dystrophy and 12 years ago qualified for SSI and turned it down because I wanted to work. So I have to take 120mg of Morphine everyday so that I can function normally and work hard like everyone else.) I have never asked for a handout, in my life. I finally had to apply for food stamps which they still haven't gotten back to me on. it has been over a month. ( i have lost a lot of weight, haha! trying to look on the bright side.) I went to a crisis center that says they help people with their bills. They told me I don't meet their criteria because my crisis didn't happened within the last 30 days! Can you believe that, I have been working and trying as hard as I can for months so I didn't have to go for help and then when I can't do it any longer they say I don't qualify!! I told them if I lost my home because I can't pay it they would help me after I became homeless but they won't help me to keep my home by just giving me a little hands up? They actually said after I lost my home then they would help me find programs!! Can you believe that? I only need help with just one mortgage payment. I am 2 months behind but if I could at least pay 1 month, it would help me get back on my feet so I wouldn't be so far behind and then I could catch up. I even told the Crisis program that I would make an arrangement to pay it back once I got back on my feet. Can someone out there please help me? I only need 1 month mortgage payment to keep my house from going into foreclosure. As long as I am not 3 months behind it should be okay. If I keep it at 2 they won't take it away. Oh and as far as my other daughter, she just moved back in because she hurt her knee and has to have surgery but she is also looking for a job so she can try to help out.  The one with the baby just started a job. So you see we are on the path to recovery but as far behind as I am right now I just don't see how I will ever catch up unless someone can just help us a little bit. Whomever has taken the time to read this I thank you very much, and I hope to oneday be back to where I used to be and if I have the ability I definitly want to help someone else.  My Mortgage payment is $714.82, it's not to bad it's just I have had to keep the lights on and pay my car payment, because of my MD I am not able to walk to take the bus.

I quit my job of 7 years in September because my grandchildren  (three ages 1,2 and 6) were left to fend for themselves with strangers at a motel.  I have had them ever since.  I now have legal guardianship.  My work would not give me even one day to find child care.  They said quit or be fired.  I quit.  Because I quit I am not entitled to unemployment benefits.  I have spent all my retirement savings and finally just went on food stamps.  I went for a job interview today that went very well and I may have the job, but other people need to be interviewed before a decision is made.  I do not know how I am going to pay the mortage this month and  hope that someone will help me.  It is $1489.00 and that includes insurance and taxes.  Please pray for us.  On Monday I have an appointment for help with utilities and fuel.  The kids are doing great and I pray that we can stay here and not lose our home.  The house itself needs things.  The septic needs repairs and I was given a quote of $1200.  The one  bathroom show has porcelein appliances in three different colors - white, bisque and blue.  The floor has a hole cut in it and needs new flooring.  The shower has no handle and we use needle nose pliers to start it.  The kitchen has had several cupboards removed and the air vent over the stove is just hanging and is all dented.  All of the metal covers on the baseboard heaters are missing.  We need new carpeting or wood flooring in the kitchen, dining room and living room.  I have some ceiling fans to put up, but am not mechanical and do not dare do it.  The back deck was cut away from the house with a Milwaukee Sawzall and needs to be replaced or repaired.  The vast majority of the  repairs that need to be done were accomplished by my ex before he left to discourage me from  wanting the house.  I have come this far, I am not going to give up yet.  Don't help me, help the grandkids have a secure safe home so they will not be homeless again.

My fiance was temporarly out of work and we got behind on our bills.  We now need any kind of help we can get with our mortgage, truck and atv payment, utilities, and food.  If we can get out of debt and caught up we can make it on our own.