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.