The verdict is in..... I'M SCREWED. My husband and I just received the final (we were turned down three times) denial from the mortgage company today. It seems that the millionaire investors who own our mortgage do not feel that we deserve a modification. They determined (as they sit in their multi-million dollar homes) that our situation does not qualify as a financial hardship. How they reached that conclusion I will never know. We do not have any money in the bank, have no room in the budget for necessities such as clothes, are gaining weight because pasta is the cheapest thing to eat, drive a car with 135,000 miles on it and, have a living room floor that is rotting but have no money to fix it (we put a table over the really bad section so that the kids don't fall through) . What family's income these investors were investigating I will never know because it sure wasn't mine!
We can't afford to send our son to camp and can't afford to pay the babysitter extra to watch him for the summer. We already pay $800 per month for the babysitter to watch our two year old daughter while my husband and I work like dogs. What do these investors suggest I do with my son? I know, he can go swimming at one of their mansions or vacation on one of their yachts. Do these people have any clue how "real" people live? The hardships we face? The struggle we go through each day just to provide our families with the basics?
What the future holds for us I don't know. At this point I am very discouraged. My positive thinking attitude has taken a nosedive. I have been contemplating taking anti-depressants just to get me through this. When are things going to start going our way?
Oh wait....my husband just got a THIRD job. Maybe we can afford the sitter now.