Here's our situation. I was laid off for just under a year and finally landed a new job in early November 2017. Constant resumes rejected as "Overqualified" every week were really getting me down. Unemployment ran out in early April and our last house payment was made in March. We contacted the mortgage company a few times but by the time I was hired full time, it was about a month too late. We gave the mortgage company our current financials showing that the payments were well within our reach, but they denied a loan modification anyway. Our home is now in foreclosure and is going to auction on April 27, 2018.
Jennifer & I have the funds to comfortably make our house payment but do not have the means to reinstate our loan at a current sum of just over $22,000 before April. That amount includes the fees added on by the foreclosure trustee and goes up each month. We met with a Foreclosure Attorney and she suggested I go to my HR department to request a paycheck advance. Sadly, they do not offer that. I have a little under 3K in a 401K type fund from my previous employer that is extremely complicated to get to. Getting even more vulnerable here... my job grosses $8000/month and the business Jennifer started about two years has grown exponentially in the last year to gross about $1500/month. ALL THAT TO SAY, we can responsibly make our payments (and even start a savings account to prevent this in the future) BUT our home goes to auction at the end of April and we really would like to stop the auction and remain in our home.
Rent in our area is the same as our house payment so we wanted to reach out to those that know us and love us (and those that don't know us yet) for help. We know it's just a house and are willing to move if that's what God has for us but we'd like to at least try to stay if possible. We appreciate anything you can give and will continue to use our home to bless our family and friends.If you have the means to do a personal loan of $5000 ore more, please let us know. Our credit score took a big hit when the payments were late and piling up.￼
IF we are unable to raise the full amount by the auction date, we would like to be able to use what we raise to move to a suitable home for our family.