Loan mod survival tips

REThink Real Estate

Q: I know this has nothing to do with buying or investing, but I was hoping you could me help me. I am eight months ($8,000) behind on my mortgage payments. I fell behind last year during the hurricane season and a surgery right afterward. I can afford the monthly payments, but the mortgage company wants the entire past-due amount. It won’t refinance my loan or make other payment arrangements.

The mortgage company keeps telling me that my income is not enough. My husband is on Social Security and I work full time. Can you point me in the right direction for help on saving my home?