I am embarrassed to ask for help but the time has come. I have to let my pride go and ask for help. I have fallen into foreclosure. I have been four months behind in my mortgage payments for almost a year now. I don’t want to lose my home. I have had several renters come and go, skipping out on rent. I have allowed renters to make partial payments as they could, in order to keep someone in a room, believing that they would catch up. I have allowed renters to move in with no deposit and in general, just been too generous, trying to be the nice guy. Of course, I have made some poor decisions, like frequently eating out at restaurants and going to concerts. I guess those are my way of coping with depression. I’m going to have to make some lifestyle changes immediately.
I always thought that things would get caught up. I applied for the Keep Your Home CA program but they denied me. That would have taken the four months past due and placed them at the end of my mortgage payment plan.
At this point, I am absolutely desperate. I want to keep the home I bought nearly 10 years ago. This home has been in my family for four generations. I bought it to keep that legacy alive. It’s a beautiful, historic Victorian style home, built in 1888. If I lose the home, it’s going to bulldozed and turned into some condos.
I am reaching out to my friends as a last chance effort to hang onto something that I love and means so much to me. If you can afford to give even $5.00 it will help out. Anything would be appreciated and is a lot better than nothing.