im getting ready to lose me home.....

[suz]

Originally Posted by ytsirk27

Thank You so much! Ill send you something. I dont want handouts.....

I never meant it to be a handout. I just thought it'd be nice to help you out. Did you ever see the movie "Play It Forward"? (I think that's the right name) I hope you meet your goal soon!!! Good Luck.
Suz

[candybaby]

Originally Posted by hunniebunnie

isn't $466 plus the $400 you qualify with the government enough to pay the 2 months of back mortgage ($420 per month x 2 months)you owe to the owners who sold to you? since you own the deed, taxes should go to the county directly and insurance should go to the insurance company directly under your own name right? so hurry up and pay the creditor's at the door first, you can always work something else with the insurance company and the county. worst that can happen, is that the insurance company drops your coverage for now right? at least you'll still be able to keep living where you are until the daycare money comes in, then you can take care of the property taxes and insurance along with the next month's mortgage!

I believe she needs $466 MORE and she already added the $400 in.

[hunniebunnie]

Originally Posted by candybaby

I believe she needs $466 MORE and she already added the $400 in.

so back in post #13, she mentioned having gotten $400 immediately from her tax refund. post #67 cites the house payments at $435 per month plus an additional $207 for insurance and taxes and she's 2 months behind. post #138 tallies funds raised to be at $466 since the counting started at somewhere in the neighborhood of $28.

i guess i'm taking a simplistic approach to this to think $870 is required to be caught up on the house payments to the private lender who is threatening to foreclose. $414 is due to the insurance company and county tax office. so far $400+$466=$866 is available on hand, so payoff the immediate creditor first, then pay the insurance and taxes to the respective agencies later. since it's an individual, personal lender and not a financial institution, insurance and taxes couldn't have been withheld with a title company as a part of the mortgage? could it? am i oversimplifying it?

[Breny]

Originally Posted by hunniebunnie

so back in post #13, she mentioned having gotten $400 immediately from her tax refund. post #67 cites the house payments at $435 per month plus an additional $207 for insurance and taxes and she's 2 months behind. post #138 tallies funds raised to be at $466 since the counting started at somewhere in the neighborhood of $28.

i guess i'm taking a simplistic approach to this to think $870 is required to be caught up on the house payments to the private lender who is threatening to foreclose. $414 is due to the insurance company and county tax office. so far $400+$466=$866 is available on hand, so payoff the immediate creditor first, then pay the insurance and taxes to the respective agencies later. since it's an individual, personal lender and not a financial institution, insurance and taxes couldn't have been withheld with a title company as a part of the mortgage? could it? am i oversimplifying it?

That makes sense!! They should be happy to take that !!!! But if she has been late before they may not be so nice about it..maybe thats why? Or they could just be mean?

[red98vett]

Originally Posted by hunniebunnie

so back in post #13, she mentioned having gotten $400 immediately from her tax refund. post #67 cites the house payments at $435 per month plus an additional $207 for insurance and taxes and she's 2 months behind. post #138 tallies funds raised to be at $466 since the counting started at somewhere in the neighborhood of $28.

i guess i'm taking a simplistic approach to this to think $870 is required to be caught up on the house payments to the private lender who is threatening to foreclose. $414 is due to the insurance company and county tax office. so far $400+$466=$866 is available on hand, so payoff the immediate creditor first, then pay the insurance and taxes to the respective agencies later. since it's an individual, personal lender and not a financial institution, insurance and taxes couldn't have been withheld with a title company as a part of the mortgage? could it? am i oversimplifying it?

All I know is when I'm in the same boat (well I'm close already lol) is ....I WANT YOU AS MY FINANCIAL ADVISOR !!! Go girl - you must be in Real estate and sound like you really know your stuff.

[Lexi Rae]

hunniebunnie,, yourrrrrrrr good....... i will look you up to if i need help...
hopefully i never will

[candybaby]

Originally Posted by hunniebunnie

so back in post #13, she mentioned having gotten $400 immediately from her tax refund. post #67 cites the house payments at $435 per month plus an additional $207 for insurance and taxes and she's 2 months behind. post #138 tallies funds raised to be at $466 since the counting started at somewhere in the neighborhood of $28.

i guess i'm taking a simplistic approach to this to think $870 is required to be caught up on the house payments to the private lender who is threatening to foreclose. $414 is due to the insurance company and county tax office. so far $400+$466=$866 is available on hand, so payoff the immediate creditor first, then pay the insurance and taxes to the respective agencies later. since it's an individual, personal lender and not a financial institution, insurance and taxes couldn't have been withheld with a title company as a part of the mortgage? could it? am i oversimplifying it?

In post 127, 128 states she only needs $466 more... Also, I know my taxes and insurance are impounded in my mortgage payment everything has to be paid at ONCE.. 642 x 2 ( because she's 2 months behind)= 1284-400(income tax money)=$884 still needed and if she needs $466 more then she made $418

[irreverentglow]

I just bought some stuff off your website. Hope this helps!

[hunniebunnie]

Originally Posted by red98vett

All I know is when I'm in the same boat (well I'm close already lol) is ....I WANT YOU AS MY FINANCIAL ADVISOR !!! Go girl - you must be in Real estate and sound like you really know your stuff.

oh you're too kind. believe me, hubby and i have our own financial crisis of our own we're trying to dig out of now. our goal is to be in the clear by mid next year! we actually just sold our condo and went back to renting recently n order to reduce our expenses. hopefully in a few years, we'll be ready to buy the home of our dreams!

we researched the ins and outs of real estate and loans almost as much as my research on yorkies before our first pup! once you've signed and initialed a stack of papers as thick as the thickest volume of the encyclopedia britannica (for those who still remember the paper version of the encyclopedia!) you're not likely to forget!!!

[stephluvsangel6]

so whats the count now? do we know how much more she needs?

[hunniebunnie]

Originally Posted by candybaby

In post 127, 128 states she only needs $466 more... Also, I know my taxes and insurance are impounded in my mortgage payment everything has to be paid at ONCE.. 642 x 2 ( because she's 2 months behind)= 1284-400(income tax money)=$884 still needed and if she needs $466 more then she made $418

having property taxes and insurance impounded with mortgage payments are optional to be selected when loan papers are signed at close of escrow. the only insurance that i know of that is not optional and must be rolled in with the mortgage payments is pmi, which would apply only if you put less than 20% down and has only 1 loan.

the financial institution holds the money in the owner's name and pay the taxes and the insurance all in the owner's name. the financial institution is recognized by the county and the insurance company as a legitimate third party with a lien on the home. can a private and individual lender be legally held in the same regard as a financial institution in this case? i've no idea. i've never heard of a home mortgage be held as a personal loan from an individual and don't know if it works the same as if the home loan is from a bank. don't know if this is a common case for real estate sold outside of california. just hoping for a best case senario for kristy and hopefully she's can keep her creditor at bay long enough to get caught up. then keep up with the payments going forward.

[red98vett]

Did this get mentioned already ?? Kristy - Didn't you say you just bought wedding bands for each other for Christmas gifts ??? why not pawn them ??? you'll get something and can get them out later when you have money .....

Didn't you know this was coming ??? I'm not knocking you but I would have been put every cent into my home rather than Christmas but that's just me - and I'm still trying to think of things you can do for money ...have you spoken to them again ?

[Shadow]

Below she says she has 10 days to become current after they are served.
The worse thing you can do is avoid someone,just face them and be honest. That shows more integretity. Good luck,keep us posted.

Originally Posted by ytsirk27

yes once we are served we have like 10 days to get it current. theres no making slow payments in it at all. the most the churces pay is 100.00 around here abd there is only 1 church that does it. they have been patient though. they could have enforced this about 14 days ago but didnt but now its down to the wire.. I have somebody i could probably go ask but i havent seen or been doewn to talk to them for amost 4 months. There like parents to me but i feel so ashamed becasue i already owe them money. Its really messed up on my part but i didnt go see them BECASUE i owe them money and felt useless and now i dont want to go down there and ask them for 1500.00. See what I mean.

[JCarlson2004]

Originally Posted by red98vett

Did this get mentioned already ?? Didn't you say you just bought wedding bands for each other for Christmas gifts ??? why not pawn them - you'll get something and can get them out later when you have money .....Didn't you know this was coming ???

I agree with V. Wedding bands are very special but your home, where you and your family reside, is more important. I know it must be hard to part with something that special but maybe it would help you in this crucial time. I hope you make your deadline at 5 p.m. Best of luck.

[bettyeanne]

Can someone tell me how to make a donation on the website without ordering right now? I don't have time to look and decide ... just want to send money before the deadline.