Open Question: I owe more money on my home part 2... please help?

[Administrator]

I have contacted everyone possible on my home, I even contacted My Senator, I called momentum but no one called me back to set appointment (they are busy right now), the reason I am upside down is "stupidity" I had a 650 fica score at the time of the loan, but agreed to a 10.5% to start, with the agreement we would refinance 2 years later, but when amc went out of business, Citi financial took over and will not work with me on my loan, as for how I paid 1000.00 on principal in 24 mos, I don't know, is that good? When I was paying over 1200.00 per month back then, it seems I'd get more paid into principal. My house is in need of repairs which I can't do, and after my sons surgery, I most likely won't be able to pay the mortgage either. I know this is my fault, but I just need to find the best way out for all. If I keep the home, It will need repairs. I have tried councelors before (CCC) who took money but never paid certain bills, and ruined my credit anyway.


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