Hello, my name is Marvin. My wife and I have lived in our home in Palmdale, California for 4 1/2 years.

My wife has been unemployed since February 2022.

As a result, our mortgage payments have fallen behind.

We received a NOTICE OF DEFAULT AND INTENT TO ACCELERATE from the bank, which has rejected every request for loan modification and payment forbearance.

So, we need to come up with $6,436.26 by January 18, 2023, or we will lose our home.

Our first thought was to sell. But after consulting with several real estate specialists, one thing is clear: Now is a terrible time to sell. With interest rates soaring, home values have fallen, and home sales in our area have come to a screeching halt. And time is of the essence, as the bank continues to move forward with its foreclosure process.

I'm asking you to please consider helping us keep our home.

Your financial assistance will buy us more time in our home, while my wife finds a job.

Your kindness and generosity are deeply appreciated.

Merry Christmas!