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Sunday, June 14, 2009

The House on Bonnie Lane: Update

This is a picture of my dream home, my house on Bonnie Lane. I lived here for two years.



Then an unfortunate combination of things occurred. First of all, I was in over my head with the house payments almost from the very beginning. Chalk it up to it being my first home buying experience alone, but I didn't realize that there were extra expenses being added into my monthly payment. For a while, I kept things up, but then I started to fall behind.

Thanksgiving night, I got quite sick and ended up having to have surgery and spent 5 days in the hospital. I missed six weeks of work. Though I had insurance, I was still left with a large hospital bill. Two weeks after I returned to work, I was told that my position at work was being eliminated. A month after my last day of work, my house was scheduled to be sold at sherrif's auction. So that I wouldn't have to get an eviction notice and have only a short time to move, I chose to start moving the weekend before the auction. I was really pleased with the apartment I found. It's a duplex and the only walls that touch the other apartment are in the garage, so it feels more like a small ranch home than an apartment.

Well, no one told me that the auction had been pulled. I still don't know why. I found out several weeks after I had moved. Then it was rescheduled for mid-May, but somehow the date was changed again to June 12.

So here it is, two days later, but there wasn't an auction. There are new programs in place that may make it possible for my to keep my house! They are granting me an extension and I may know in two weeks if they will do a mortgage modification. My house payments may be reduced to half, and it would cost me the same as my current rent on the duplex apartment! Though I had resigned myself to losing my beloved home on Bonnie Lane, my hopes are now up that I will be able to move back in. Please keep this matter in your prayers! I think it would be best all around if I can keep my house, otherwise I face bankruptcy and I will probably never be able to buy a house again.

I'm almost afraid to hope too much, but at least now there is some hope.

15 comments:

Shelia said...

Oh, Kady! I wish the very best for you and your house!
Be a sweetie,
shelia;)

Happy To Be/ Gl♥ria said...

Oh Kady...I will pray so strong for you my friend...I know God will hear your name...lets us know...May you have a great week...hugs and smiles Gl♥ria

marty39 said...

Kady, I will keep you in my prayers. I so hope things work out so you can keep your house. What a blessing that would be. Hugs, Marty

imjacobsmom said...

Oh that would be so wonderful for you. I will definitely add you to my prayers, Kady. Please keep us posted. ~ Robyn

raxx a day in the life said...

Kady what wonderful news! I have been hoping for this myself, I came to love Bonnie Lane right along with everyone else, I will definitely keep you in my prayers, with your unfallable positive attitude good things are bound to happen!

Fingers, toes and hair crossed!!

Helen said...

Dear Kady! You and Bonnie Lane are destined to be together again. I just know it.

Miss Lady Grey said...

Kady. I found your blog a few weeks ago, and have been reading your posts. I am amazed at your positive attitude amoungst all the uncertainty in your life. I have not left a comment for you before...but thought I should do so today. So, this is just a quick note to say...I will keep my fingers crossed for you. I hope that all goes well, and you can move back into your dream home! Best Wishes...

Cass @ That Old House said...

You have my prayers, hon. Good luck.
Cass

Picket said...

Oh sweetie...I pray that all things turn around and you get your sweet home back...nothing is impossible girl...my heart is overflooded for you ..take care girl and just look for the best!

Smilingsal said...

Kady, I just popped in because it's been so long since we "talked." I do hope that this program will be a fit for you and you'll keep your darling house. You deserve a break.

laurie @ bargain hunting said...

Oh Kady, that is exciting. I will pray that it all works out in a way that is best for you and your future. laurie

Lori said...

Kady
Oh hon, I wish you the best. I do know the news says they are trying now to keep people in their homes instead of vacancies. After all they end up losing more. I have been going round and round with my lender since December, when we refinanced in Fall of 07 they screwed up our escrow. All the escrow we had is gone and now they want us to pay it all back! I am so fed up and constantly get the run around! I mean come on where did it go? I tried to get the modification for a lower interest rate and they aren't doing so god on that either! What is stupid is we are not even behind we will just have to make the payment each month a week late. UGH!! I wish for you oodles and boodles of luck! One of us needs it! And p.s. if you get to much we can share!! LOL Love,Lori

Rue said...

I'm praying Kady!!! I hope I hope I hope you get to keep her!!

(((hugs)))
rue

Mrs. B. Silly said...

Keeping my fingers crossed!

Neabear said...

I hope hope hope hope this works out for you. Keep us posted!

Linnea