I just got a job after exactly 4 months of being laid off. I have 4 months of mortgage payments to make, but my loan will be handed over to an attorney in 2 weeks. My new job provides more than enough funds to make my house payment, catch up on past due amounts, and save for future emergencies (something my previous job did NOT allow for.. skin-of-teeth budgeting. Took a huge paycut. Ate through what money i had quickly.)
My mortgage company, Homeside Lending, is run by Draco himself. They won't accept partial payments (even a penny off is a returned check), they are very, very hesitant to work with me. I asked them for enough time to get a paycheck in - and they gave me 2 weeks. This is their "big favor" to me. Its useless. Admittedly they are doing me a favor, but i just offered to shovel money hand-over-fist to them to get my mortgage current. They don't lose the loan and I don't lose my house. Seems like a win/win scinereo.
I have 2 weeks to come up with $1,900.00. No friends or family i can borrow money from - i wouldnt really want to anyway. My credit is shitty - my score is about 530. I purchaed my home for 98,000 and the appraised value is 105K (they just went up ont he value last year). I owe roughly.. 98K, still. I'm not sure how a home equity loan would work - i'd only want $2,000.00 out of it, and it would be paid back very quickly.
I'm asking Slashdot.. well, anyone who reads my journal, anyway, for advice on the matter - does anyone have any ideas on how i can save my arse?