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My interpretation of President Obama’s “Mortgage Forgiveness Act”


President Obama passed a program to help homeowners, like myself, keep from losing their homes and falling to foreclosure…but let me give you my interpretation of what the forgiveness act has done for me.


I have passed the year mark that my house has been on the market. Pat and I have done everything possible to sell it. We have fixed, replaced and upgraded our house. We have lowered our price (ugh..over $50,000), we have never refused a showing, we have begged, borrowed and are ready to steal. And now we have come to the conclusion that we need to get help from our Mortgage company. Should be easy, right??? President Obama has passed all these programs for us. He’s here for us…he wants change like me!


Did he forget to tell that to the mortgage company. Why does it take 10 weeks to be assigned a counselor to help me? Why is a counselor impossible to get hold of? Why does the person you’re talking to refer you to someone that might be able to help you better? Why did they not receive my packet I faxed to them, twice? Why did my packet get sent to the wrong department? And since it was sent to the wrong department, why was it rejected and closed! Yes…after weeks of waiting, my cry for help, rejected and closed.


The customer service rep-so called mortgage counselor proceeds to tell me that she needs to reopen my case and resubmit my package. And refers me to someone else (heard that before) and I should wait until next week to see if anything has been done. Wait…did I hear her right??? I don’t know, I had a moment were my face turned red and all I heard was blah, blah, blah. I didn’t even ask her to hold while Shaye had a coughing attack and got a little sick (in the sink..yuck). Did I tell you that Shaye has a bit of pneumonia (a story for another day).


Okay, so now back to my interpretation of a mortgage forgiveness act….

Please forgive me when I use all the @#%& words I know when I talk to my mortgage company!

Please forgive me when I’m in a bad mood after not getting any help from all the acts I was promised but not given.

Please forgive me when I don’t have dinner on the table because I was on the computer all day trying to find some loophole I fit in.

Please forgive me when I decide to no longer pay my mortgage

And (kids) please forgive me because I have no idea if we will have another opportunity to have a mortgage.