There are a lot of great suggestions here! I would definitely start by doing Gina's suggestion and contact the Oregon Commission for the Blind. There could be help there that you wouldn't have known about unless you call and specifically ask. Also, sit down and be honest with yourself and determine what your parameters are - are you willing to sell and possibly take a loss, and if so how much? Would you be willing to get a roommate and collect rent and 'stick it out' another year and re-evaluate the market at that time? I think that you have several options, but need to figure out what you are comfortable gaining/losing and it will help you to make more solid decisions for yourself to get you to where you want to be. You could get a roommate and work a deal with them on yard upkeep for discounted rent, or perhaps use some of the rent income toward paying someone for maintenance. If you are looking for professional yard and lawn maintenance, try a gentleman named Gerardo at 503.453.6244. He does my grandmother's yard and a couple others that I know and he is reasonable and reliable.
I wish you luck with your situation, and please feel free to contact me if you should need any more assistance or would like some recommendations on any other contractors that you may need in the future.
Best of Luck,
Keller Williams Realty Professionals
Temara also gave you a good option, so a roommate could be a solution.
I'm sure it seemed like a great idea at the time, but we've all made decisions that have come back to haunt us! One step at a time, and before you know it you'll be in the right environment for you!
best to you
SHort sale---you may have better luck with that, but there are some BIG mines in that field. You have to get the lender not to come back on you for any losses they take at sale, etc etc. I could write a book on all this.
May I ask why you purchased the property? What were your goals? Were you told 14 months ago that it was a good time to buy? Why a townhome? Condos/townhomes/row homes are always the first to drop value and the last to go back up. You have been much better of as a renter---I dont know your tax benefits to this ownership but it doesnt sound like you need a lot of write off anyway. Do you really know what the property is worth? I love Trulia but you cant always count on its data for a value.
Is your loan an adjustable? If so what type and will the payments be going up on a regular schedule? There are SO many questions you need to answer before anyone here (or anywhere) can offer accurate advice. How is your credit and will keeping good credit be important to you in the future? Some of your options run a risk of damage to the credit score.
Whatever you do, DONT fall for any of the loan modification scammers who say they can help for up front fees.
One person buys a home for one's happiness. If your home is not meeting your needs, I'd advocate that you look at alternatives such as:
* Sell the house at loss
* Sell the house using foreclosure
* Definitely move into another place (rent or buy) which is convenient to you.
* Rent out your current home and proceeds could pay for your other residence
I am sure you'd be able to find excellent support on trulia. In addition, please don't hesitate to contact me directly for any questions. I'd be very happy to do more research & consult for you for free and without any obligation.
Best of luck,
They will be able to direct you to the resources available to you appropriate for your situation. Stay in positive thinking, help is out there for you.