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It gets a little rough finacially but we make it through

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goodnatured



Joined: 03 Nov 2007
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Posts: 3931



450 Magic Points

 
Posted on Mon Sep 22, 2008 3:14 am  

You are doing just fine fireyone, don't worry about all those other people.
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fireyone



Joined: 26 Feb 2008
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Posts: 4246



123 Magic Points

 
Posted on Wed Sep 24, 2008 4:37 pm  

Yes I feel that I am too. It gets a little rough finacially but we make it through. I have also learned great lessons along the way. I think one of the biggest is how when you have mon ey saved and you think it is enough to carry you through a winter or a couple years...what ever length of time ...it really isn't enough. A few things gone wrong and it can empty a savings account in no time flat.
mortgagevictim



Joined: 25 Sep 2008
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995 Magic Points

Subject: Renting an apt-credit situation
 
Posted on Thu Sep 25, 2008 11:00 pm  

I'm new to this site and find it to be full of great info, so I'm going to ask for some advice. My husband & I live in CA. We bought a condo in 2/06 with an adjustable rate mtg-thinking we could refi in 12 mo or so. We were one of those that had no $$ down and the mtg broker "pushed" the loan through for us. Anyway, right after buying, the real estate market started to nosedive. Couldn't refinance because the value of our home is now way below our loan balance. The mtg co. increased our mtg pymts over $500 in March. We asked for a loan modification-took them 6 months to get back to us and they lowered it just a few dollars-not enough to help. We put the condo up for sale (short-sale) in May at a price of $170,000 less than what we paid-it hasn't sold yet & we are 2 months behind in mtg pymts because we can't make these higher pymts. Finally...my question is...we are trying to move to an apt to rent and are having a difficult time because we are behind in the mtg pymts. Before this, we always paid our mtg on time and never had a problem when we rented before. We are being upfront with the property owners when we are completing the rental applications - letting them know what has happened. I'm feeling very over-whelmed and a little lost right now. Any advice would be appreciated.
goodnatured



Joined: 03 Nov 2007
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Posts: 3931



450 Magic Points

 
Posted on Fri Sep 26, 2008 12:51 am  

Have you tried posting your question on the mortgage forum above, it is full of good advice from the people that work in the mortgage and rental industry. You may want to go there and post your question. goodluck I hope that you find some good resolution soon.
_________________
Goodnatured,
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for all the ways I make $$ online
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mortgagevictim



Joined: 25 Sep 2008
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Posts: 25



995 Magic Points

 
Posted on Fri Sep 26, 2008 1:30 am  

I did find the mortgage forums and wrote a similar post so we'll see if I get good advice. Thanks for your reply!
goodnatured



Joined: 03 Nov 2007
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Posts: 3931



450 Magic Points

 
Posted on Sat Sep 27, 2008 12:25 am  

I used to post there quite frequently, the people there really know their stuff. Hope you get the answers that you are seeking.
_________________
Goodnatured,
http://cashinpocket.synthasite.com/
for all the ways I make $$ online
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mortgagevictim



Joined: 25 Sep 2008
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Posts: 25



995 Magic Points

 
Posted on Sat Sep 27, 2008 6:25 am  

I did receive a reply & was directed to another post addressing what to do to avoid foreclosure. Most of the steps we've already done or are in the process of doing. But it's good info. If we end up giving up the condo, I'm hoping we can find a landlord to rent from that understands our situation in regards to the late pays on the mtg which unfortunately, is a sign of the times right now for a lot of people. Thanks again for your help and reply. Very Happy
goodnatured



Joined: 03 Nov 2007
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Posts: 3931



450 Magic Points

 
Posted on Sat Sep 27, 2008 6:22 pm  

I am glad that you recieved a reply, the people on the forum are very knowledgeable and are very willing to help.

Have you found a place to rent yet? If you have you may want to go a step further and talk to them in advance about your situation.
_________________
Goodnatured,
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erb1953



Joined: 31 Dec 2007
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Posts: 547



-100 Magic Points

 
Posted on Sat Sep 27, 2008 10:35 pm  

All four forums are pretty decent, they really know their stuff on the insurance forum also, I would go there if I had questions about insurance, and the mortgage for mortgage.
goodnatured



Joined: 03 Nov 2007
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Posts: 3931



450 Magic Points

 
Posted on Sun Sep 28, 2008 1:21 am  

I find that the people in all the forums handle questions as if they were their own problems, I think it is great when they come back with details on how to solve a problem, it is always refreshing to see somebody gets some help.
_________________
Goodnatured,
http://cashinpocket.synthasite.com/
for all the ways I make $$ online
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fireyone



Joined: 26 Feb 2008
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Posts: 4246



123 Magic Points

 
Posted on Sun Sep 28, 2008 3:49 pm  

i CAN GIVE A LOT OF CREDIT TO THESE FORUMS. ESPECCIALLY WITH THE INFORMATIONAL PART OF IT AND THE CARING. IT MAKES YOU FEEL AOT LESS ALONE.
goodnatured



Joined: 03 Nov 2007
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Posts: 3931



450 Magic Points

 
Posted on Mon Sep 29, 2008 3:03 am  

There is nothing more devastating then debt, it affects your whole life, your self esteem is in the toiilet, you are constantly dodging phone calls, it is a nerve racking experience. It is good to have a place to come and share all this anxiety and get ways to deal with it.
_________________
Goodnatured,
http://cashinpocket.synthasite.com/
for all the ways I make $$ online
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fireyone



Joined: 26 Feb 2008
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Posts: 4246



123 Magic Points

 
Posted on Tue Sep 30, 2008 12:45 pm  

You got that right. It is like living on pins and needles. I feel alot of this would be unnecessary if they would change some of the credit laws. Good people get behind due to situations usually out of their control. Do they really have to charge all those enormous fees when a person misses a payment or two. If they would just work with the debtor they would get their money back a lot quicker and with much less hassle.
mortgagevictim



Joined: 25 Sep 2008
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Posts: 25



995 Magic Points

 
Posted on Tue Sep 30, 2008 4:46 pm  

No--haven't found a place to rent yet. We have applied at 2 places and been upfront with our situation and also explained that we have never been evicted for unpaid rent, always paid rent on time, etc, etc. But no go...it really does make you feel lousy.
fireyone



Joined: 26 Feb 2008
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Posts: 4246



123 Magic Points

 
Posted on Thu Oct 02, 2008 11:14 pm  

Really sorry to hear your having such a rough go of things. Surely there is some good hearted soul that just rents for extra income out there. Have you tried any government agencies? Around here we have places that will actually help find you a place,depending on income, and even go as for as paying first and last months rent. You should check with your local cherches, welfare offices or any community action programs. Stop back and let us know how you are doing.

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