Help us Save Our Home
Fundraising campaign by
sumerset
-
US$115.00raised of $9,456.00 goal goal
No more donations are being accepted at this time. Please contact the campaign owner if you would like to discuss further funding opportunities
YES ... I need to save my home from going into forclosure. Right now I am trying to work through the modification process with the bank and have active forclosure process in a holding pattern for now. The process is unsettling as we have been doing nothing but sending in paperwork and still know nothing.
Anything you could spare to help would be apprecited, even single dollars add up together and it could help us make an even extra payment that could make a difference with the bank. Everyone knows Money gets more attention at the bank and with underwritters than processed paperwork and I have sent reams of paerwork to them over the past few months. I live with the fear of what the next day could bring by the bank, even though we are making monthly payments now (they are late each month because of the various jobs and fluctuating pay especially during summer months )...but the paments are only applied to the past due, never showing anything current. The little bit in extra money we can pay is not chipping away at the past due enough to get the banks positive response.
In the last two years we have expeienced unemployment and underemployment, illness and disability, deaths in the family and even a pedistrain v.s. auto accident involving my daughter and my grand daughter at a bus stop ... all of which ahs taken it's toll on our abillity to make timely payments and be employed. Never the less we have made payments, even if particial almost every month trying to show the bank we want our home.
With all this going on my co signer had filed bankruptcy and the loan wasn't affirmed in the bankruptcy. He is just that my co signer and has no interest in the property. His bankruptcy really got the banks attention, as I am not upside down on the mortage just behind in payments and can't get caught up. This would make good business sense tot he bank as the forclosure would be a profitable for them, unlike many others they do. Please help me beat the bank with this.
It is even more stressful as I have not filed bankruptcy and my loan is tied up in laws of bankruptcy. I spent a couple of months even getting the bank to talk to me because of my co signer's bankruptcy. I familiar with the process and so with the property not affirmed in my co signer's bankruptcy I am at a loss why there are so many extra rules that apply and additional documentation requirements. I at times seem to feel that the bank is gathering paperwork not for a modification but to do a fast foreclosure with all thier "I's and T's" crossed.
I personally need and want this home, other than I have no other place to go, this is my home....I have cared for my parents here till thier passing here ...my son and his rwo children are here and helping now... it has over 35 years of memories in it .... it is not just a structure it is part of my life and it means a lot to me to be able to keep it. I wouldn't know what I would do with my dogs who are so special to me if I loose my home to the bank.
Thank you for you interest in saving my home
Anthing you could do would be appreciated ... donations would be wonderful
or even just circulating this fundraiser to others so maybe we can find the extra help we need
Sincerely,
AmySue
I am open to ideas and suggestions....You can contact me at: [email protected]
Please check out the update tab above to follow the progress ;)I will keep it updated regullarly to inform you on whats going on.
Organizer
- sumerset
Donors
- Guest
- Donated on Aug 10, 2013
- Guest
- Donated on Jun 12, 2013
I understand where life has taken you and what you are facing with the "BIG BROTHER" in the bank and the endless paperwork. Don't give up You are right to not trust the bank and find other avenues to try and get the past due paid. May God bless your efforts and make it possible for you to accomplish keeping your home.
Modification in works
Update posted by sumerset at 01:05 pmFriday we got verbal notification that we are eligable for a type of modification. I am waiting on the paperwork to see it in writing :) It has only been 34 months to get to this point... HURRAY !!! I am truly feeling a bit dammed if I do and. . . . .
9/5/2013 Nerves, Prayers & waiting
Update posted by sumerset at 09:07 pmWell I got a phone message form specialist today while I was at work and couldn't reach her back, so left a message. Will try to catch her at 6am our time to speak to her to find out why she was calling.....message was uninformative Hopefully its an update they. . . . .
9/1/2013 Holding pattern
Update posted by sumerset at 05:22 pmHi all Thank all of you for your intrest in saving our home, I really do appreciate the emails of ideas and encouragement. We are on hold again, I'm not sure what is going on, but we have not received any further requests for paperwork as of yet ...so we. . . . .
8/28/2013 Hopefully waiting
Update posted by sumerset at 12:38 pmWell paperwork that got sent in is being reviewed. If it is what is needed we can move forward...if not they will call again for more paperwork. I called this morning early to find out as I had not heard anything and have only been able to leave messages with. . . . .
8/26/2013
Update posted by sumerset at 01:10 pmWe are still in holding pattern with newly requested paperwork needed from my co signer. Getting some of this paperweok as to his retirement from 20 years ago is really a hassle for them as the current statements witr cost of living increases haven't been enough for the new underwriter. . . . .
8/14/13 more paperwork in to the bank
Update posted by sumerset at 01:52 pmOkay got another call monday a little after 8 in the morning and all the paperwork between my co signer and me got into the bank yesterday between several faxes.....got another call today and have the additional pay stubs requested for one of my jobs ready to fax to them. . . . .
Sat 8/10/2013 Thank you & update
Update posted by sumerset at 01:59 pmThank you for another donation!! Your kindness is greatly appreciated and does give us a ray of hope that we will be able to keep our home. We are still dealing with more paperwork requests, which are not as stratigh foreward as they seem .... so for the first part. . . . .
August 1st, 2013... new underwriter
Update posted by sumerset at 04:24 pmI was really getting worried about no call from bank this week...well I got a call today and found out the underwriter who had the file had an extreme family emergency. I pray that God will be with her and her family for what ever the emergency is. We did. . . . .
paperwork in again...waiting again
Update posted by sumerset at 04:23 pmTOok me a week to get all paperwork together, finding one of the documents they needed in a fax to them from 27 Oct 2013...guess I didn't refile everything. Everything got into them now, again. Im waitin but almost feel queezy about it now.....odd thing underwritter not counting co signers. . . . .
7/12/2013 Confrence call and headway
Update posted by sumerset at 11:20 pmI got the confrence call on Friday, it came a little later than scheduled even though I was working a cleaning job I got to take it. I have several statements of clarification to make and send in other supporting documents...no duplicates at this point. THe coversation sounded positive and. . . . .
Donors & Comments
- Guest
- Donated on Aug 10, 2013
- Guest
- Donated on Jun 12, 2013
I understand where life has taken you and what you are facing with the "BIG BROTHER" in the bank and the endless paperwork. Don't give up You are right to not trust the bank and find other avenues to try and get the past due paid. May God bless your efforts and make it possible for you to accomplish keeping your home.