Help with Mortgage Payments - The Bills.com Blog

I am in current need of $10,000 to get caught up on my mortgage. It is a tough situation. My sister and brother-in-law were looking for a home about 2 years ago and I was living with them in their apartment. At that time, I was a junior in college with little income. They wanted to get into a home bad and asked me to co-sign since I had a slightly better credit score. I did not want to do it, because I knew I did not have the income to cover the mortgage. However, my sister convinced me that I should help them out since I was living in their apartment(paying some rent). I did! Well, I graduated from college 9 months ago, but just became a teacher about 2 months ago. During the process of me finding a job in my field, my brother-in-law left his job and started a business. The business got slow and he went without pay for some time. Our monthly mortage payment is $1800. We got way behind, because of such a large payment. We are currently able to meet the mortgage payment, because I can now pay half, but we are behind. We are in need of $10,000 to catch up. What can we do?

If you have equity in your home, I'd highly suggest trying to refinance your home and payoff the debts and also get back current on your mortgage. I can tell you that with mortgage late payments (and an impaired credit rating) it might be very difficult to get a refi... If you want to try to refi and get an introduction to pre-screened mortgage lenders, Bills.com makes it easy to compare mortgage offers and different loan types. Please visit the loan page and find a loan that meets your needs at: https://www.bills.com/mortage/refinance Best, Bill

My mom passed on June 28th unexpectedly. There was no will so the home is up in the air. Since June I have been making the mortgage payments but I am currently 3 months behind. How can I catch up the payments while going through the probate process?

The probate process will handle the disposition of your mother's home and all of her assets (and liabilities). if you are going to inherit the home, and if there is equity in the home (its worth much more than the mortgage owed) then you should contact the lender and discuss loan modification or forebearance to allow you to make the loan current and prevent foreclosure.

I NEED TO SEE IF I CAN GET FINANCIAL HELP TO PAY MY MORTGAGE OF $3800.00 BY TUESDAY 10/28/08. I CAN PAY IT BACK IN JANUARY WHEN I GET MY CHRISTMAS BONUS BUT I SCARED THAT I WON'T BE ABLE TO GET IT MY TUESDAY AND MY HOUSE WOULD BE IN FORECLOSURE. NO ONE WANTS TO HELP ME OUT EXPECT PAYDAY LOANS WHICH ARE DUE IN 14 DAYS. PLEASE SEE IF I CAN GET THIS HELP QUICKLY I WILL PAY IT BACK IN JANUARY.

I am sorry, but Bills.com is a portal intended to give "information only", we are not a bank, and do not lend money directly.

I got a refinance around 2006, about 3 mo ago my mtg co did a modification, which was really no modification, since they didn't lower the interest rate, which was high. I want to get a refinance, and have about $100,000 in equity and a co signer, but I can't find anyone who will refinance me. Any suggestions on where to go?

Have you tried our lender search service, you can do so here: https://www.bills.com/homeloan/mortgage_refinance/

I have another question. How would I go about getting a loan on a property lot, worth about $30,000. It has no mortgage on it. It is a buildable lot in an area where the property value has not gone down. It is in a nice area and in a residential area, even though there is a school close by. I've heard co's don't give loans on lots unless their worth a lot more. I don't know where to go. Any suggestions.

You will just have to try different lenders. Each lender has their own rules about lending for empty lots, property value being one of them. I cannot really say that there is general rule.