I am a 41 year old wife and mom and I recently lost my job.....I have a disabled spouse and he has been in need of more care than normal as his symptoms are increasing and I was fired from my job as a result of that care.  We are now facing possible foreclosure on our home and I am desperately seeking assistance to save it!!  We need to find the right people to talk to about my being hired as his continued caretaker.  I have been his primary caretaker for many years now and he has complete trust in me.  He does not need skilled nursing of any kind at this point and I do not think he would allow a stranger in the home at this point.  We also have 4 boys still at home which are in need of the stability of both parents at home and not a stranger in there home.  I have worked hard for this family by holding down full time employment, continuing college(which has been set aside for this term), and keeping this family afloat as best I can.  Now it has come to the point to where I need help and don't know where to turn?...

  Please Help!  Several years ago while employed as a bus driver I slip and fell down the steps of the school bus. I injured my knee and had to undergo a partial knee replacement. The doctor whom did the surgery left screws loose that damaged my knee more severely. I later found out that I needed to have a revision of my surgery that lead to a total knee replacement. My job advised me that my injury was not job related although I had all the proof. I was told by the supervisor and risk management to resign or be terminated. I then was left with no job and no money. My mortgage got behind and I had to cash in my 403b IRA to make ends meet. My daughter was helping me with all my other expenses, but she was just injured and no longer working so she can not help me. I need help with my utility bills, medicine and mortgage. I receive SSI and it's not enough to cover my monthly expenses. I have hypertention, suffer from depression and have a sleeping disorder. Recently my doctor advise me that I need to have a knee replacement on my other knee. If anyone can assist me with a small donation of $1.00 or send me information with an agency that can assist me my address is 1869 North Congress Avenue West Palm Beach, Fl 33401 or email me at Darryl_lewis@bellsouth.net.

Sincerely,

Juanita Ferguson

I am a 40 year old mother of twins, with a traumatic brain injury disabled husband who works part-time and has mental health issues. I have lost my Medicaid through the state of Missouri and need help with monthly mortgage, and medications for my husband and myself.

I am a single mother with little to no financial assistance from the father of my child and I have fallen behind in my mortgage.  Is there any assistance programs available that I could rely on?

"This week (June 18,2008)  in Jacksonville, Fla. - where the foreclosure rate is three times the national average - officials are launching a campaign to promote the city's interest-free loans. Distressed homeowners can get up to $5,000, which will be forgiven if they stay in their homes for at least five years, said Dayatra Coles, manager of housing services."

From:

http://money.aol.com/news/articles/real-estate/_a/cities-help-residents-facing-foreclosure/20080616173909990001?icid=100214839x1204363222x1200184889

"That was before a Philadelphia court decided to step in with this unusual order: Sheriff's sales cannot go forward without a last-ditch effort by the lender and homeowner to work out a deal. "

From:

http://money.aol.com/news/articles/real-estate/_a/cities-help-residents-facing-foreclosure/20080616173909990001?icid=100214839x1204363222x1200184889

I am looking to see if there are any programs to help people who have large student loans after college with mortgage assistance.

Notice release: 

"The VA is Reaching Out to Vets with Mortgage Problems
Peake: VA Has a "Solid Record of Success" in Helping

WASHINGTON (June 12, 2008) - Many home owners have found it difficult
recently to pay their mortgages, but quick intervention by loan
counselors at the Department of Veterans Affairs (VA) has actually
reduced the number of veterans defaulting on their home loans.

"VA is reaching out to veterans -- both those who use our home-loan
guaranty program and those who don't take advantage of our guaranties --
to keep people in their homes," said Secretary of Veterans Affairs Dr.
James B. Peake. "I'm proud of our solid record of success in helping
veterans and active-duty personnel deal with financial crises."

Accounting for much of this success are VA counselors at nine regional
loan centers who assist people with VA-guarantied loans avoid
foreclosure through counseling and special financing arrangements.  The
counselors also can assist other veterans with financial problems.  VA
counselors have helped about 74,000 veterans, active-duty members and
survivors keep their homes since 2000, a savings to the government of
nearly $1.5 billion.

Depending on a veteran's circumstances, VA can intercede with the
borrower on the veteran's behalf to pursue options -- such as repayment
plans, forbearance, and loan modifications -- that would allow a veteran
to keep a home.

To obtain help from a VA financial counselor, veterans can call VA
toll-free at 1-877-827-3702.  Information about VA's home loan guaranty
program can be obtained at www.homeloans.va.gov
<http://www.homeloans.va.gov/> .

Since 1944, when home-loan guaranties were offered with the original GI
Bill, VA has guarantied more than 18 million home loans worth $911
billion.  Last year, about 135,000 veterans, active-duty service members
and survivors received loans valued at nearly $24 billion.

About 2.3 million home loans still in effect were purchased through VA's
home-loan guaranty program, which makes home loans more affordable for
veterans, active-duty members and some surviving spouses by protecting
lenders from loss if the borrower fails to repay the loan.  More than 90
percent of VA-backed home loans were given without a downpayment.

April data shows that foreclosures are down more than 50 percent from
the same months in 2003.  VA attributes this to prudent credit
underwriting standards, its robust supplemental loan servicing program
and VA financial loan counselors."

Sincerely,

Juanita Ferguson

"Louisville, Ky., also is giving out up to $5,000 in loans. The loans will be forgiven if the homeowner stays put for a decade. The city has teamed up with the United Way to offer access to housing help in addition to the charity's social services."

From:

http://money.aol.com/news/articles/real-estate/_a/cities-help-residents-facing-foreclosure/20080616173909990001?icid=100214839x1204363222x1200184889

"Louisville, Ky., also is giving out up to $5,000 in loans. The loans will be forgiven if the homeowner stays put for a decade. The city has teamed up with the United Way to offer access to housing help in addition to the charity's social services."

From:

http://money.aol.com/news/articles/real-estate/_a/cities-help-residents-facing-foreclosure/20080616173909990001?icid=100214839x1204363222x1200184889