Save Our Home from Midland Mortgage
Donación protegida
This has been the best year and the worst year of my life....doesn't seem like that could be, but it is. I finally was able to end an emotionally abusive relationship that lasted 12 years, met the love of my life and feel freedom again for the first time in a decade. My girls will be able to see how a loving relationship can be. Now on to the worst part: after 4 years of struggling to keep the home I grew up in, I am facing foreclosure.
Myself and my three daughters are living at the moment in the house my ex and I were in the process of buying. In our state there is no protection from an ex when they move out of a jointly owned home. He basically has the right to enter the house at will. I don't feel safe here, or like it is my home anymore. We had plans to move into the house I was left by my mother. Her house was left to me in an awful state. My mother was a hoarder and had a mouse infestation. I spent months, some pregnant with my youngest and later wearing her in a baby carrier, sorting through disgusting mouse urine-soaked piles of stuff. Some of this work was done in the dark because my ex wouldn't allow me to pay the electric bill. No heat, no air conditioning, no help at all. It took months of grueling work to get it clean enough to rent. Many months, I had to scrape together mortgage payments by selling things on Ebay or to local people on Facebook because the ex didn't want me to keep the house. He wanted me financially dependent on him.
My parents took out a mortgage to buy this house in 1983 (I was 9 years old) for $32,000. They divorced in 2005 and my father walked away from it so it wouldn't have to be sold and split because he wanted me to inherit it. In 2007, my mother modified the loan TWICE because she got behind on the payments. This added 5 years to the original note. The interest rate on this mortgage is 12%, national average is 5%! The year of her death, 2013, should have been the year it was paid off, but it still had 5 more years due. I was left with an inheritance that felt more like a curse than a blessing. Between myself and my parents we have paid roughly $150,000 on a $32,000 loan! And now Midland Mortgage wants to take my family's home from us over $10,000! I owe $3,800 on the loan STILL, $4,600 in late fees and charges, and NOW $2,000 in attorney's fees. All this money is being demanded in full.
There are so many things I would have done differently if I could. I would have taken out a home equity loan and paid the $7,000 that was owed when I got the house. The thought never crossed my mind. Being a stay-at-home, homeschooling mom/homemaker, I had no income of my own and didn't think I could get a loan.
I never intended to ask for money and if I were able to get a loan to pay them off I would. During our break-up I was left with very little income and no work history for over a decade and three children to comfort and care for.It was hard finding a job (found one though finally!) because of the long lapse in employment. Because of missed and late payments my credit is atrocious, so no loans are available. During this period of time, I fell behind on payments.
I will pay each and every person back who donates to this campaign and sends me their contact info so I can PayPal a payment once this is behind me. I really would prefer a loan, but this seems to be my only option. I appreciate everyone who has taken the time to read all of this and shares it or donates! If I can find 220 kind people willing to lend me $50, I can save my home!
Myself and my three daughters are living at the moment in the house my ex and I were in the process of buying. In our state there is no protection from an ex when they move out of a jointly owned home. He basically has the right to enter the house at will. I don't feel safe here, or like it is my home anymore. We had plans to move into the house I was left by my mother. Her house was left to me in an awful state. My mother was a hoarder and had a mouse infestation. I spent months, some pregnant with my youngest and later wearing her in a baby carrier, sorting through disgusting mouse urine-soaked piles of stuff. Some of this work was done in the dark because my ex wouldn't allow me to pay the electric bill. No heat, no air conditioning, no help at all. It took months of grueling work to get it clean enough to rent. Many months, I had to scrape together mortgage payments by selling things on Ebay or to local people on Facebook because the ex didn't want me to keep the house. He wanted me financially dependent on him.
My parents took out a mortgage to buy this house in 1983 (I was 9 years old) for $32,000. They divorced in 2005 and my father walked away from it so it wouldn't have to be sold and split because he wanted me to inherit it. In 2007, my mother modified the loan TWICE because she got behind on the payments. This added 5 years to the original note. The interest rate on this mortgage is 12%, national average is 5%! The year of her death, 2013, should have been the year it was paid off, but it still had 5 more years due. I was left with an inheritance that felt more like a curse than a blessing. Between myself and my parents we have paid roughly $150,000 on a $32,000 loan! And now Midland Mortgage wants to take my family's home from us over $10,000! I owe $3,800 on the loan STILL, $4,600 in late fees and charges, and NOW $2,000 in attorney's fees. All this money is being demanded in full.
There are so many things I would have done differently if I could. I would have taken out a home equity loan and paid the $7,000 that was owed when I got the house. The thought never crossed my mind. Being a stay-at-home, homeschooling mom/homemaker, I had no income of my own and didn't think I could get a loan.
I never intended to ask for money and if I were able to get a loan to pay them off I would. During our break-up I was left with very little income and no work history for over a decade and three children to comfort and care for.It was hard finding a job (found one though finally!) because of the long lapse in employment. Because of missed and late payments my credit is atrocious, so no loans are available. During this period of time, I fell behind on payments.
I will pay each and every person back who donates to this campaign and sends me their contact info so I can PayPal a payment once this is behind me. I really would prefer a loan, but this seems to be my only option. I appreciate everyone who has taken the time to read all of this and shares it or donates! If I can find 220 kind people willing to lend me $50, I can save my home!
Organizador
Anna Schneider
Organizador
Belton, SC