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Losing jobs sure does suck while trying to keep my home
I purchased my home toward the ending of November 2007 My first mortgage payment was due in January 2008 However I have not been able to make any payments due to my wife and I both loosing our jobs in 2007. I let my my mortgage company know that we were both lost our jobs, there was nothing that could have been done. When we could start making a payment Citi Mortgage would not accept my payment. They kept telling me about several programs, which none could help me, due to me not being able to pay since now. I have talked with my bank about an workable solution, they said no. Saturday Jan. 17th they called me and stated they have filled the foreclosure papers. I can make my payments, however what I owe till now is $30,000.00 and they stated that has to be paid in full. Yes, I do have a FHA loan and PMI insurance. I was looking into the partial claim for FHA loans, which has expired for us, It goes from 4 to 12 mo
thanks