Category Archives: Foreclosure

Moving on and in

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I posted on November 29 that we were officially moving and finding a rental.  Well, we found a wonderful place and we have already moved!  I do want to say thank you to everyone that read my blog entry about foreclosing and were not only supportive but shared your own stories. I read and truly appreciated each one….

Now I would like to take you on a small tour of the new home.
Let us begin with a shot from the front door.
 The view of the kitchen from the living room.  (it is all one big room area)
The library/computer/den room  —- I am sitting at that desk right now!
My favorite corner in the house so far
Here is my ABSOLUTE FAVORITE part of this house….

There you have it.  I didn’t take any photos of the bedrooms because they are still a work and progress and well they are bedrooms.  So, if you are ever in town drop me a line and we will grill up some steaks and enjoy the fire.

Twitt

We’re moving….Surviving Foreclosure

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Foreclosure in Arizona

*Sigh* It’s official. We are moving.  Things were never explained or worked out with the bank and so we are leaving.  It’s disappointing, embarrassing, and exciting.

I will explain the three emotions:

I am disappointed that even though we made smart financial decisions in buying our house and were responsible the entire time we still were hit.  I don’t understand why they won’t talk to us or explain their reasoning behind raising our mortgage.  It now sounds like a broken record and I truly don’t believe that anyone understands why it went up, it just did, and now they want “their” money.

I am incredibly embarrassed.   We are a now part of a statistic.  We look irresponsible.  I don’t like looking irresponsible and I don’t have the time nor the energy to explain to EVERYONE the situation.  I just have to take this blow to my pride and move on past it…

Exciting.  Yes, it is a bit exciting.  We are finding a rental that is significantly cheaper and we will save a lot of money.  All this money will go into paying off all our debt.  AND if we stay on the track that we are currently on we will be completely debt free in just over a year! That is exciting!  The possibilities with no debt are almost endless!

So, here we go.  A new, slightly less fun, adventure that I know will teach us new things and in the end only make us stronger.

Twitt

Garden and the fight for our home – Stage 2

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This month has been absolutely insane and it feels as if I have been running around like a chicken with their head cut off….However I am taking a moment to give a little update.

The garden is about to get a major change over.  I am DONE with summer crops.  Ugh, I hate summer.  I went out today and completely cut down and out my pumpkin plant.  I will never plant pumpkins again because of squash bugs, YUCK.

I came across a great recipe to kill crickets and roaches in my Garden Guy book.  Equal parts of powder sugar and Arm & Hammer laundry detergent will wipe those suckers out.  I tested it in my herb garden earlier this week because we had a major infestation of crickets and this morning they were all but gone.



THE BATTLE FOR THE HOUSE: Stage 2

I have chosen to keep everyone update on the battle for our home and maybe I can get and give advice about this entire process. I am positive that there is another family that reads my blog that has had this problem.
Here is where we are at….After I posted about fighting for our home my husband really looked over the mortgage.  It isn’t our PMI that was raised but rather our taxes.  Our taxes jumped up a 113 dollars.  We still can not afford this jump.  We called our lender and they refused to speak to us until we miss a payment!  Are you kidding me?!   We decided to miss a payment this month and we have waited for a response and guess what…nothing.  We are calling this week however I am torn because due to my experience working in a major bank I KNOW that the person on the other end is not a professional.  They are individual that needed a job and got a quick lesson in mortgage and bullying customers.

How far up do we need to go to talk to someone about our payments?  Why are they refusing to talk to a family that has always made their payments on time?  These are questions that will be solved and I am going to drag you guys along for the ride…

Now, even though this house thing is huge and really has the capability of dragging ones spirit through the mud both my husband and I are doing great.  Christ has really given us a healthy dose of peace in our hearts and I am not really too worried.
Philippians 4:6
Do not worry about anything, instead, Pray about everything.
It really works- You should try it.
Twitt

The Fight for our Home

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 Image from Google Images

I have been on the fence about this post for a little while now.  In fact, I have already written one version but I didn’t like the final outcome so I started over….

My husband and I are fighting for our home.  If you remember from the post, Suckfest 2010, I mentioned a large bill that was unexpected and awful.  Well, our lender has raised the mortgage insurance on our home and it is not in our budget.

I am not sure exactly why it was raised… I did start doing some research on the “trusty” internet and found the the Federal Government recently passed a bill allowing lenders to raise the Mortgage Insurances on homeowners.  I also found that your lender may consider canceling your Insurance if you made your payments on time for over two years or if you have paid over a certain percentage of mortgage. Well, we called and asked to speak to the mortgage department about both and they were not helpful at all.

We are now looking for a home loan modification but if we are correct they will probably refuse the change.

I am absolutely heartbroken and frustrated.  My husband and I made sure we did not buy out of our price range and we made sure that we got a mortgage that we could afford.  We live modestly and we are striving to become completely debt free and be good stewards with the gifts that we have been given.

I have told my close friends all the dirty little details and have cried numerous times.  However through my tears I have been confident in one thing, my faith in Christ. I have yet to blame Him. I have not accused or screamed accusations at Him. My relationship and trust in Him has remained FIRM.  This sucks and I wish it wasn’t happening but it is and the only true thing I can do is hang on tight to Christ and go for the ride.

I will say I have already learned one thing, it is easier to fight when you feel as if you have nothing to lose.  I trust God and I know either way we will get through this.

AND – It’s still not fair.

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Twitt