My history...
I lived in a small town in Ohio and we moved around a LOT at the age of 15 we moved to Gatlinburg and over the next 6 years I lived in Gatlinburg, Pigeonforge, and Sevierville then back to Gatlinburg and finally moved to Atlanta. The moving did not stop there and I moved around a lot before finally winding up with my dream...a home.
From the time I was a small girl to when I was in my 30's I had day dreamed about the time I would have a place to call my own, when I would not have to move time and again, and where I could have pets, a family, and a child.
I finally wound up with my home.
It's a fixer upper, it's out in the country with a large yard, lots of oak trees, and at night you can hear the frogs making noisy sounds off in the distance.
I figured all was right with the world.
I am not someone who went into this all starry eyed and trying to get something beyond my means. In the beginning we had more than enough income to cover the mortgage we were quoted and that we got. I was working three jobs and my significant other was working 4.
We had more than enough money to pay the mortgage we were quoted and to pay bills etc.
I know too that the insurance companies have a tendency to raise prices on you which will raise your mortgage.
My insurance company in the second year of the mortgage doubled our insurance adding 300.00 to our mortgage.
We managed to pay that for a bit.
Then my significant other lost a job, got another one, but it caused a dip in income and the mortgage company helped with that and we fixed the issue and caught up.
This past year my significant other lost one job by getting layedoff, got another and got layedoff from that and has not been able to get hired on again as yet.
We've gone through 5 cars this past y ear due to several reasons and I do not have a car currently.
My jobs went from 3 to two and I am self employed, this past year I have held the mortgage on my own and it just became too much and we got behind.
I and my significant other both have health issues which
put him in the hospital this past year compounding our monetary income
but we kept on with the payments as best we could.
I talked with my mortgage company and they put us in a modification program.
My mortgage company was Citi Mortgage.
During the modification process we were told not to pay them but to hold onto the money so that when we were granted the modification we would be able to pay the trial payments on time each time, three trial payments.
I did as we were told.
5 months later we were granted a modification.
Payments would be 820.00 over 40 years.
I plan on having this house to pass on to my child so this was no issue.
Then Citi sold the modification mid mod, after our first payment to them.
I got reassurances that the mod would be honored by them and by the new company Nationstar, both companies telling me that they would honor that mod.
Payed my second trial payment to Nationstar then the third.
All
this time no package from Nationstar as to papers on the mortgage,
where to pay etc. I called and got assurances that the letter had been
sent they weren't sure why I had not received it, that they would send
another which never showed. We did get a hello welcome to Nationstar
letter but no package outlining the terms of our mortgage or anything
similar.
I did get foreclosure notices, modification offers, etc.
Called Nationstar multiple times finally getting told to ignore the foreclosure notices that it was computer generated and I didn't need to worry.
I worried.
I stressed.
I find out that my insurance is dropped, call my insurasne company and am told that by law both companies should have contacted them, Citi to let them know the mortgage had been sold and Nationstar to get things set up.
Got that fixed.
My taxes also were said not to be filed, called tax office and that was done shortly after I got the notice.
Now came the fun part, Nationstar now tells me I have to do the modification process all over again.
They tell me that Citi did not do the mod correctly.
They tell me my house goes into foreclosure on the 4th of March and another one tells me it goes to foreclosure on the 11th of March.
My mission now is to help myself and anyone who is also out there in this mess trying to figure out how to save their home, to save their dream, and to find some sense in the fact that those we trusted are now lying to us and trying to take away our homes.
I am angry and determined to fight this to the bitter end, hence the title Mortgage Warrior, I feel as if I am in a battle to keep my house.
If through what I am going through I can help someone else then that is incredibly awesome for me.
If you want to follow along and see how it goes then please do, pass this along, like this, share it on face book, pass it along on twitter, spread it far and wide through your blogs, websites, etc.
