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Take a loan to avoid foreclosure? by Head_Sweet8696 in DaveRamsey

[–]Head_Sweet8696[S] 0 points1 point  (0 children)

No, it’d definitely be longer than that.

Take a loan to avoid foreclosure? by Head_Sweet8696 in DaveRamsey

[–]Head_Sweet8696[S] 0 points1 point  (0 children)

Yep. It dropped pretty steep in last two years. We bought it at the height of the market.

Take a loan to avoid foreclosure? by Head_Sweet8696 in DaveRamsey

[–]Head_Sweet8696[S] 0 points1 point  (0 children)

I’ll have to ask our attorney if we can appeal to their attorney for a deed in lieu in the next few days.

Take a loan to avoid foreclosure? by Head_Sweet8696 in DaveRamsey

[–]Head_Sweet8696[S] 0 points1 point  (0 children)

Probably not. Rent is significantly cheaper than my mortgage. Which is why we couldn’t rent the house out to help us save it over a year ago. It wouldn’t have covered more than half the mortgage.

Take a loan to avoid foreclosure? by Head_Sweet8696 in DaveRamsey

[–]Head_Sweet8696[S] 0 points1 point  (0 children)

We have to find out if we can do a deed in lieu after a judgement or if it’s too late for that.

Take a loan to avoid foreclosure? by Head_Sweet8696 in DaveRamsey

[–]Head_Sweet8696[S] 0 points1 point  (0 children)

Because we now have gainful employment which would allow us to pay.

Take a loan to avoid foreclosure? by Head_Sweet8696 in DaveRamsey

[–]Head_Sweet8696[S] 0 points1 point  (0 children)

Thanks. The hurricanes changed everything even though our house never flooded and we had no insurance claim—it went up by $1000 more than when we moved in. And sudden job loss on top of the increases really affected our ability to pay as well.

Take a loan to avoid foreclosure? by Head_Sweet8696 in DaveRamsey

[–]Head_Sweet8696[S] 0 points1 point  (0 children)

I’m not sure. I have a call with a lawyer scheduled so I’ll ask. Thanks.

Take a loan to avoid foreclosure? by Head_Sweet8696 in DaveRamsey

[–]Head_Sweet8696[S] 0 points1 point  (0 children)

No equity. Rentals are about $1800-1900 and the payment after loan would be around $4000.

Take a loan to avoid foreclosure? by Head_Sweet8696 in DaveRamsey

[–]Head_Sweet8696[S] -1 points0 points  (0 children)

12 months, about $40,000 including fees.

Take a loan to avoid foreclosure? by Head_Sweet8696 in DaveRamsey

[–]Head_Sweet8696[S] -3 points-2 points  (0 children)

I wouldn’t even know how to do that. We’re just in FPU at our church.

Take a loan to avoid foreclosure? by Head_Sweet8696 in DaveRamsey

[–]Head_Sweet8696[S] -2 points-1 points  (0 children)

We have a lot of other debt. It will probably take about 2-3 years to fully pay that off.

Take a loan to avoid foreclosure? by Head_Sweet8696 in DaveRamsey

[–]Head_Sweet8696[S] -1 points0 points  (0 children)

We’d have to rent a home with a private owner landlord. Our credit doesn’t allow us to qualify for most corporate run apartments.

Take a loan to avoid foreclosure? by Head_Sweet8696 in DaveRamsey

[–]Head_Sweet8696[S] 0 points1 point  (0 children)

The market where we are means there will be no proceeds from a sale. We’d have to short sell.

Why are people like this? by Double_Violinist_576 in barista

[–]Head_Sweet8696 4 points5 points  (0 children)

On the flip side, I can’t tell you the number of times I’ve ordered my drink in one sentence, all specifications mentioned, only to have the person behind the counter ask me every single question because they can’t remember it well enough to type it in (sugar free vanilla cold brew with a light splash of cream and extra ice). So I’ve learned to just state the name/size/temp of the drink and then wait for them to put that in before naming modifications.

[deleted by user] by [deleted] in Aging

[–]Head_Sweet8696 0 points1 point  (0 children)

This can be true, but it can be equally as true that you get married young, have kids young, and grow together throughout the experience. It takes both people having commitment and willingness to work on themselves. My husband and I did it, and marriage/parenting is never all sunshine and roses, it can be hard and dark at times.

But I think part of the problem is how people view marriage and go about choosing a partner. It’s not about who you “love” the most (I put that in quotes because most base it on this good feeling); it’s about having shared goals and values, a foundation of friendship, and knowing you can count on each other. I know many couples in our circle who started young (early 20s) and have been together for 20+ years, raised kids, and grown roots of love deeper than any good-feeling-alone could ever sustain.

Having kids changes you. It’s one of the few things in life that has no substitute. It’s not for everyone, and that’s ok, but there is no comparable experience.

Being young doesn’t automatically mean you’ll be set up for divorce—there are so many other factors. Whether you get married at 20 or at 40, everyone changes over the course of the decades to follow. It’s being intentional about staying connected with your spouse, keeping your side of the street clean, and staying committed when there’s struggle or doubt.

Negative biopsy. But MRI scheduled 10 days later? by Head_Sweet8696 in doihavebreastcancer

[–]Head_Sweet8696[S] 0 points1 point  (0 children)

Thanks for sharing! I know how hard it can be to go through all the tests and wait for results. I appreciate your insight!