I cut corners where I could, made things from scratch, have sold things on eBay and Etsy, but that wasn't enough. About three years ago, we went to the mortgage company asking for help in reducing our payments. They helped us get everything current so we were not late or behind, but then raised our mortgage payments. Hmmm.....somehow that just didn't make sense to me.
So, we had done our best to meet our payments on time, but again, it was a severe struggle. We again went to the mortgage company for some help. We asked if they could reduce our payments long enough for us to finish our last year of homeschooling our son who has Asperger's. Upon his graduating, I would be able to go back to work and be able to meet our mortgage payment. Skippy would call time and time again to find out the status of our modification, but only to be told our "associate" was not in the office or she was not at her desk. After months of hearing nothing, we got a letter in the mail from a lawyer with a sale date of December 14th, where our home would be auctioned off on the courthouse steps. Again, Skippy called and our "associate" was not in her office. After hearing no more from either the mortgage company or the lawyers office, Skippy called our mortgage company on the 13th and told us that the lawyer's office had agreed to delay the sale the following date. WONDERFUL, but why hadn't anyone contacted us to let us know? At this point now, we knew we had at least thirty days if we didn't get approved for our modification.
After a few more weeks of calling, Skippy finally found out that our associate no longer worked there. They apologized for her lack of communication and in the same breath, said that they were sorry to inform us that our modification had been denied. But, the good news was that we could now do a short sale and as long as we had a contract with a realtor at least ten days before the lawyer's office had rescheduled a sale date, that would halt any foreclosure proceedings. So, that is what we did. However, unbeknownst to us, our house had already been listed on the internet as a Trustee Sale and will be sold at auction on the courthouse steps on February 8th.
I know we should be fuming at all that has happened, but we can't be. We know that God has a plan; a plan larger than anything we could ever comprehend!
"Now to him who is able to do immeasurably more than all we ask or imagine, according to his power that is at work within us!" Ephesians 3:20