My husband was laid off for 8 months. We fell behind on our mortgage. Is there help for us?

I don't know if a bank would refinance for us. We even considered bankruptcy but that isn't what we really want to do. We just hate being behind.My husband was laid off for 8 months. We fell behind on our mortgage. Is there help for us?
Did you try for the modification on the loan that certain people can qualify for? If you do qualify then that might help. You may be able to refinance depending on how much you owe compared to how much your house is worth, but since you have been behind you may have messed up your credit score too much to even get a good rate, you may end up worse off.My husband was laid off for 8 months. We fell behind on our mortgage. Is there help for us?
Bankruptcy is NOT the answer, and You do not need to give up on your home.





You do have options, They are different programs he might be able to eligible for, you can apply for a modification under the financial stability plan and other programs.





Under the HAMP program you may obtain an interest reduced to 2% and bring your payment as low as 31% of your current income.





They are some guidelines and requirements for each program, you can contact The Helpful Hands Foundation, Non-Profit Organization at 787-408-5996 they will give you a free phone consultation and may be able to help you with your situation.





Keep fighting for your home. You do have options.