Help Sheree Stay in Her Home

My name is Elise, and I’m creating this fundraiser on behalf of my dear friend Barrett and her mother, Sheree.

Sheree is at risk of losing the home she has fought to keep for more than 20 years. To stop the foreclosure and allow her to remain in her home, $45,000 must be paid by April 11, 2026.

We are asking for help so Sheree doesn’t lose the place that has been her safe haven for decades.

Sheree’s Story

In 2004, after a difficult divorce, Sheree became a single mother raising two daughters. Determined to keep stability for her children, she purchased the family home back from her ex-husband by taking out a $110,000 mortgage loan.

For years, Sheree worked hard and made her payments while raising her daughters. The home became the center of their lives, a place where birthdays were celebrated, holidays were shared, and her children grew up.

Things changed in 2018, when Sheree’s mortgage was sold to a new company. Her loan was transferred from a federally protected Freddie Mac loan to a private loan serviced by Fay Servicing. Fay Servicing is known as a predatory loan company (Degasparre v Fay Servicing LLC, ConsumerFinance Report). Since that transfer, Sheree has faced constant issues with her escrow account and monthly payments. Payments were changed multiple times with little explanation.

Then in June 2024, her monthly mortgage payment suddenly doubled, creating what housing counselors call a “shock hardship.” Despite repeatedly asking for clarification and documentation, Sheree was never given clear explanations for the changes.

Sheree lives with disabilities and relies on Medicare and Medicaid, which makes refinancing extremely difficult. She did everything she could to keep up with the unexpected payment increases, using her savings and trying to work with the loan servicer.

By June 2025, her savings were gone and the payments had become impossible to maintain. When she attempted to make partial payments, they were refused by the loan servicer.

How the Foreclosure Happened

Without directly notifying Sheree, the company initiated foreclosure proceedings by publishing notice in a newspaper, a legal loophole that meant the process continued for months before she even knew her home was in foreclosure.

When she discovered this in November 2025, Sheree immediately tried to resolve the situation. She worked with HUD housing counselors and applied for a loan modification, but it was denied.

Counselors believe the payment increase may be tied to private insurance added to the loan and changes to the escrow account, though the servicer has not provided the required escrow analyses or documentation for the last two years despite repeated requests.

Meanwhile, fees and “corporate advances” have continued to accumulate. About $15,000 of the reinstatement amount is made up of court and servicing fees.

Why We’re Asking for Help

Right now, the only way to stop the foreclosure is to reinstate the loan, which requires paying the outstanding amount.

As of now:

$39,000 is currently due

Fees increase by about $1,800 each month, not including additional fees (late payments, “corporate advances”)

$45,000 would allow Sheree to fully reinstate the loan and stay in her home.

The heartbreaking part of this situation is that Sheree has done everything she could to hold onto this house, and she currently has about 85% equity in it. Losing the home now would mean losing the stability and security she spent decades building.

How You Can Help

Every contribution will go directly toward stopping the foreclosure and helping Sheree remain in her home.

If you are unable to donate, sharing this page can make a huge difference.

Sheree has spent her life caring for her family and fighting to keep a roof over their heads. Right now, she needs a community behind her. Let’s help her keep the place she has called home for decades.

Thank you for reading, supporting, and sharing.