My husband and I bought our home in 2005. We made our payments and all was well until the ARM adjusted. At that time we also "emergency adopted" a child and had no idea of the financial burden that would cause (no offense, I wouldn't have this little boy anywhere else). They have refused to help me with that one payment I got behind, adjusted me every 6 months since then (always up and never down), then call and harass me about my payments being late. Every time I have spoken to them, they indicate to me that they have stopped re-financing 6-7 months ago. Hello... You guys refinance until I call, then every time for 2 years say you've quit doing it 6-7 months ago.
So I go online and they are still, to this day, advertising their refinancing options. All I want is my original mortgae back so I can get back to the business of helping our child deal with his short little abused past and help him grow without scars. Because of this, my credit has slipped below 600 and NO ONe will finance me now! I have since found out that we probably should no thave qualified for this mortgage. But, we could afford it at the original terms. It wasn't until it began adjusting higher and higher that we had problems. We couldn't turn this little boy down, he was being abused. What can I do now except give up our American dream?
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