This is a very long story and like me, there are many long stories out there. It has been a very difficult decade for many of us, some have even been more unfortunate than I and have lost their homes.
I bought my home in 2009 and shortly after was laid off, it's been a struggle to keep it, I applied for a modification and the bank took four years to process it asking me for updated paperwork every ninety days. Finally last year it was approved, I did the trial payments and continued making payments and still making those payments.
In the transcourse of time between 2009 and today, I was unemployed for over two years, not because I wasn't looking, I was but it is very difficult once you're in your 50's to find employment. I secured a job making half of what I made back when I purchased my home. I was able to make payments because I had retirement funds, I don't anymore.
I recently acquired a new job and I know have the salary I had (a little more) from when I purchased my home, the problem is that because the bank took so long to approve the modification, plus the fact that I was unemployed for two years (and yes, I did apply at McDonalds and Walmarts, I wanted a job and it didn't matter where), and because the job I acquired paid so little I lost everything, my retirement money, my credit.
All I want is to be able to breathe, that's all. I don't want to be rich, or to scam anyone, I just want some help. As it is I'm commuting five hours a day just so that I can make the amount of money I was making when I purchased the house. I wake up at 5:00 am and get home at 9:00 pm Monday through Friday and on weekends I have a part time cleaning homes.
The balance on my mortgage is $148,000.00, that's 1,480 persons donating $100.00 but whatever I get I'll be grateful.