How to i justify a good job and loosing my house trying for over 10 months to do what they say and no help?

Nancie
After being scammed on refinancing, being told to pay for an appraisal and having been scammed again by US Bank, having the furance go out in January *Minnesota winter* not qualifying for a single program due to being $200 over the gross income guidelines, and after 30 rejection letters for refinance. I am not in default and loosing my home. How do I justify this to my self and my daughter. Were do I go, what will I do and how do I ever get any answeres to my questions with out being charged to ask a question. No one will answer me. I am tired of no sleep working hard and not sure how to get up each day anymore. I am tired and do not know where to turn. What more can happen this year to make me feel like such a looser. Some how I have to keep it together, and yet I don't know how much longer I can. This is the only time I can cry so I do not scare my daughter. I have lost all contact with friends and family because I can not take thier critisim or judgement anymore. help.

Bette
This is not the only house in the world. If you bought a house that you can not afford you need to sell it and buy one that you can afford. Your daughter needs to there, stress free, she does not need a big house.You should contact your family. Your daughter does not deserve to be kept from them because you made a mistake. Your mistake is easy to fix, so fix it and move on.

Breanna
sounds like you need more info on the subject you can ask a loss mitgation profetional and they in turn can advice you better on this subject...one good company is americas loss mitgation solutions corp 888.300.2941 Report Abuse

Ethelyn
I'm not sure what you're saying but when all the foreclosures hit recently, banks and mortgage companies really tightened their approvals on loans and refinances. If your home is one of the ones being foreclosed on from the recent mess then there are some bailouts out there. If your situation is otherwise (and the cost of everything is going up) and you can't afford a home anymore than put it up for sale and move to a 2-bedroom apartment.

Shavon
Many lenders offered adjustable rate mortgages with initially lower interest rates that would reset to higher interest rates over several years. A lot of Americans were lured into this terrible consumer refinancing scam. Now, the resetting of these rates have caused many borrowers to loose their homes. I am not a professional but have similar experience. Forget banks and try to borrow the money from friends or family members. Bite what ever pride is left and try to get the money as fast as you can to save your house. Note there are a few government initiatives out there for people in your situation. Go to your house of worship, and ask your church, mosque etc... for help. Lots of times there is specific help for people in your case.If you have a car which you are paying high monthly rates, get ride of it and get a used one for now.If there is still time left to sell I know this might sound too hard to take, but consider selling your house rather than loosing it.Don't just seek financial help, but also seek a councilor who can help you through this crisis.Pray, pray and pray. The more hits you have on a credit bureau report the worst for you I am sorry to say. These lenders are always looking for debt to income ratios...Do you have a lot of credit card debt? Interest is the enemy I tell you! Without having specific information about your situation, not many people can help. Please don't give up on the professional help. I hope you can consolidate some of the logical advice in Yahoo Answers and start working on this immediately. There is help out there. I just wanted to write to encourage you not to give up or loose hope. Please try not to isolate yourself. This is the time you need your friends and family the most.Learn all you can about how our money system works and you will find that there are other factors at work contributing to your problem.

Davida
If your credit problems are severe enough that you are in jeopardy of losing your house, the Homeownership Preservation Foundation with provide free counseling and help for you. They have a toll-free number and someone will answer 24 hours per day. The number is 1-888-995-HOPE.I hope things work out for you.

Abigail
I am so sorry to hear of your problems. First off you are not a looser. You are a person that got caught up with some scandeless people. Loosers don't go to work and buy houses. As far as your friends and family you need to tell them that their critisim is not helping you.You need them on your side and that after everything gets strighten out if they still want to critise you then ok but for now you and your daugher need their backup I am sure that at sometime in their lives thay have made the wrong choices thinking that it was the right one at the time. The first thing I would do is try to see if you can get a grant form the goverment.The money is there you just need to ask for it . You can go the the public libary and check out some books that will tell you how to make out a perposal. Then I think you should think about finding a lawyer and sue those bastards. My daugher sueed the appraiser the realoter and coldwellbanker. Yes it took some time but she came out on top with the house and $25.000.00 in the bank for their dishonsty. I really hope everything works out for you. Its hard to be on your own with a child. If your daugher is old enought to understand what is going on you might want to let her in on it. Don't scare her and make her think the sky is falling but let her in on what you are going thru and what you are trying to do to fix it.. So that if you have to tell her no when she want to go somewhere or do something that you can't afford or if you have to move and leave all her friends and school she can understand. Belive me kids understand more then we think. I wish you all the luck in the world.And remember you are a good person and a house is not a home it is just a place to store your stuff. A home is the people in it. Love really gose a long way