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  #1  
Old 02-10-2006, 07:01 PM
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One Month behind Morgage

I am one month behind my mortgage payment, short of $$ from working temporary job and had to go out of town and miss two weeks of work because of family death. Anyway, the mortgage company wants a financial analysis paperwork to work with me on this. Is that unusual, will they use it against me, to say I can't afford the house. I would have been fine with my payments if not for the family emergency and having to pay for oil at the same time. Any advice is appreciated. I just want to know if this is fixable. I have never been in this poor of a financial position before and it's scary and nerve wracking. Thanks.
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  #2  
Old 02-10-2006, 07:02 PM
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Quote:
Originally Posted by Bailey005
I am one month behind my mortgage payment, short of $$ from working temporary job and had to go out of town and miss two weeks of work because of family death. Anyway, the mortgage company wants a financial analysis paperwork to work with me on this. Is that unusual, will they use it against me, to say I can't afford the house. I would have been fine with my payments if not for the family emergency and having to pay for oil at the same time. Any advice is appreciated. I just want to know if this is fixable. I have never been in this poor of a financial position before and it's scary and nerve wracking. Thanks.

**A: no, it is not unusual. Give them what they need and show them the $$$$.
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  #3  
Old 02-11-2006, 12:44 PM
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Quote:
Originally Posted by Bailey005
to say I can't afford the house.
You do not want to hear this but you CAN'T afford the house.
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  #4  
Old 02-11-2006, 01:07 PM
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Quote:
Originally Posted by pojo2
You do not want to hear this but you CAN'T afford the house.

**A: that's scary and nerve wracking.
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  #5  
Old 02-12-2006, 09:32 AM
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Gee thank



Gee tell me something I don't know!!! I am just trying to make it through this mess when my temp job will become permanent in July which will increase my salary to an acceptable level. I do appreciate your input, contructive criticism is helpful, if you are going to point out an issue, offer a solution!!! Thanks
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  #6  
Old 02-12-2006, 02:21 PM
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Quote:
Originally Posted by Bailey005


Gee tell me something I don't know!!! I am just trying to make it through this mess when my temp job will become permanent in July which will increase my salary to an acceptable level. I do appreciate your input, contructive criticism is helpful, if you are going to point out an issue, offer a solution!!! Thanks

**A: read my post. A solution was offered.
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  #7  
Old 02-12-2006, 03:06 PM
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Quote:
Originally Posted by Bailey005


will become permanent in July which will increase my salary to an acceptable level.
Has your Mortgage company agreed to put off your payments until July?
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  #8  
Old 02-12-2006, 10:39 PM
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Quote:
Originally Posted by pojo2
Has your Mortgage company agreed to put off your payments until July?

**A: of course not. Santa Claus Savings & Loan does not allow that.
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  #9  
Old 02-13-2006, 05:46 AM
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Quote:
Originally Posted by HomeGuru
**A: of course not. Santa Claus Savings & Loan does not allow that.
Exactly my point!
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  #10  
Old 02-13-2006, 09:28 AM
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Happy Holydays......
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  #11  
Old 02-13-2006, 08:10 PM
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hmmmm

Actually I was gonna say, they are just going to give me the house, they realize I have been having such a rough year, I don't need the hassle of a house payment. After that, monkeys are going to fly out of my butt!!!!!!
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  #12  
Old 02-14-2006, 08:45 AM
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Re:

Here you go: [url]http://www.fantasylandmortgage.com/pages/944526/index.htm[/url]
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  #13  
Old 02-14-2006, 10:04 AM
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Quote:
Originally Posted by Blacky1
Here you go: [url]http://www.fantasylandmortgage.com/pages/944526/index.htm[/url]

Loved it, just sent the link off to my favorite mortgage rep!
__________________
If you're lucky enough to be Irish, you're lucky enough!
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  #14  
Old 02-14-2006, 10:09 AM
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Re:

On a more serious note, here's another link he (your mortgage rep.) may find useful if he doesn't already know about it: [url]http://www.brokeruniverse.com/grapevine[/url], it's nothing but brokers helping each other out w/ hard to place loans.
Last edited by Blacky1; 02-14-2006 at 11:11 AM.
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  #15  
Old 02-14-2006, 10:14 AM
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yes, whatever**************.
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