Asked by Lolarose, Orlando, FL • Sat Apr 16, 2011
My husband and I split but I have paid the mortgage faithfully. It is with US Bank and in both our names. We have never been late. I called US Bank back in July to ask for a loan modification. They said that I didn't qualify for the Making Homes Affordable or any kind of in house plan. According to their numbers, I had an extra $400 left over at the end of the month. I called the Hope hotline and they called US bank with me on the line, butI was still denied. I called FHA and they assigned me a housing counselor. According to her numbers, I didn't qualify for the HAMP program because I had an extra $200 left over. I tried to explain to them both that I donâ€™t have an excess of anything left over. I have to pay all the expenses my husband and I once shared. My emergency reserve is dwindling and June will probably be the last payment I make. Iâ€™m under water and the housing prices have dropped tremendously. I'd rather keep my sanity and just walking away. Any advice?
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