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This has been one big snowball
We have 2 mortgages because when we purchased the house they did it 80/20 (80% one 1st and 20% on 2nd). We got behind and what started out being 1 1/2 months behind snowballed. We don't want to lose our home! We've continued to pay on the 2nd mortgage. Which we're $300 behind (this month's payment plus late fees). We've tried working with Option One. They said they wouldn't work with us as long as we had our minivan payment. So, we let the van go back to the lenders. We chose to save our home rather than keep our van. Now, we've been working on saving our home. All of our money goes to utilities and mortgage.