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I purchased a house about a 1 1/2 ago. I have a 5% interest rate. I went to NACA in May 2010. I was told because I have a FHA loan I didn't qualify for anything but a forebearance. I waited 19 hrs. Wells fargo didn't apporve me because of property taxes being too high. Wow!!!!!!!!!!! I called Wells Fargo and they offered me a higher monthly mortgage, and still is charging late fees!!!!! Then I call FHA counseling and they said you can't deal with NACA at all and try to get us too help. They went on to say that if we give you a forebearance for 3 months or 6 months you will have to pay it back at the end of forebearance not the end of the loan. I told the lady that defeats the purpose if I had all the money for the monthly payment I wouldn't need a forebearance. These programs are for the birds!!!! All of them have no alternatives for the unemployed. Any Advice!!!!
These programs will not be a fit for everyone.
The public is lucky to get anything offered..... as the lenders do not have to do anything.
I would be looking for multiple part time jobs.