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I am newly divorced,very low income 1 child under 18,stop foreclosure,loan not in my name-x’s . Deed in both
I am so sorry that you are having difficulties. Don't forget that no matter how bad things get, they'll always get better.
The good news is that your name is not on the mortgage, so the default will not be on your credit report. That means that you will have an OK time trying to find another place.
I think you have at least four options:
1. TODAY- No matter which option you choose, I would call your current lender IMMEDIATELY to set up a payment plan. Tell them your situation flat out, and ask them how you can get back on track (but don't let them put the loan in your name unless it's a flat out refinance.. you don't want that four month late payment on your credit report). The bank would much rather set up a payment plan than see the house foreclosed.
2. Do you have equity in your house? You may want to consider selling. Find a few realtors and tell them your goal is to sell the house in two weeks. In the mean time, buy some neutral colored paints (no bright colors) and clean and prep your house http://www.diynetwork.com/ can help you out. Spend a lot of time cleaning your house so your house will sell fast! Tell your realtor your goal is to sell the house in two weeks so they can price it accordingly (if the payment is 4 months behind foreclosure is right around the corner)
3. Refinance (although TODAY call your lender and set up a payment plan) Try www.lendingtree.com, www.countrywide.com
Let me take a moment to explain the difference between the DEED and the NOTE/MORTGAGE. The DEED is a document at the county recorder's office that shows who OWNS the property. If you OWN the property you can refinance the property. The NOTE/MORTGAGE shows who is financially responsible for the bank loan (and whose credit report that 4 months late payment will show up on).
In short, if you weren't on the deed, then no, you couldn't refinance. But since you are on the deed, YES, you can refinance! The bank would simply pay off the other loan. But remember, then you will be financially responsible for repayment of the loan.
4. Walk away. I wouldn't do this if you have any equity in the house (it is worth more than you owe). But if they foreclose it will show up on your x's credit report, not yours. So if you income and the rest of your credit report is ok then you will still be able to find another place.
Try doing an online search… social services in _____(your city)… try going to a government, charitable or religious agency that can help
And when you feel like giving up- things WILL get better… it may take a year of this mess, but things will get better
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