My name is Adan Zapata, and I'm reaching out for help so I can keep my home. Recently, I learned that my mortgage payment will increase dramatically because my property tax exemptions were unexpectedly dropped. This change caused my escrow to be insufficient, and my monthly payment will rise for a full year.
After noticing the increase, I contacted my mortgage company and was told my loan was in good standing. However, when I spoke with an escrow specialist, I discovered that my property tax for the upcoming year was much higher than the previous year. I immediately contacted my local tax assessor's office and found out that my homestead and over-65 exemptions had fallen off my account. I re-registered for the exemptions, but the process could take 90 days or more to take effect. Until then, I am responsible for the higher payments and additional fees, which I simply cannot afford on my income.
I'm an 80-year-old veteran still working full time, relying on my military pension and Social Security to get by. With this sudden increase, I am at risk of losing my home to foreclosure or being forced to sell. The funds raised will help me cover the extra mortgage payments, fees, and any amount needed to reduce my escrow until my exemptions are reinstated. Any amount you can contribute is deeply appreciated and will help me immensely. Thank you from the bottom of my heart, and may God bless each and all of you!
After noticing the increase, I contacted my mortgage company and was told my loan was in good standing. However, when I spoke with an escrow specialist, I discovered that my property tax for the upcoming year was much higher than the previous year. I immediately contacted my local tax assessor's office and found out that my homestead and over-65 exemptions had fallen off my account. I re-registered for the exemptions, but the process could take 90 days or more to take effect. Until then, I am responsible for the higher payments and additional fees, which I simply cannot afford on my income.
I'm an 80-year-old veteran still working full time, relying on my military pension and Social Security to get by. With this sudden increase, I am at risk of losing my home to foreclosure or being forced to sell. The funds raised will help me cover the extra mortgage payments, fees, and any amount needed to reduce my escrow until my exemptions are reinstated. Any amount you can contribute is deeply appreciated and will help me immensely. Thank you from the bottom of my heart, and may God bless each and all of you!