I would like to know if anyone out there is going through what I am going through, thanks to the president? Below is my story that I have sent to the president.
Dear mr. president:
I am sending you this email, because I wanted you to know how you have changed my life and my child's life, as well.
I am a partially disabled mom, who suffers from fybromialgia, type two diatbeties, vertigo, bursitis in both hips, arthritis in both hips, knees, and feet, partial blindness in one eye, irritable bowel snydrome, neuropathy in my right hip and leg, and a type of gastritis in my stomach. I am on four different medications that I will have to be on for the rest of my life. There are many things that I cannot do, like running, going up and down stairs, etc. and I have to use a cane to get around. I suffer with pain all the time, and it is a struggle for me to get around and do simple things, like bending over and tying my shoes.
I have gone to the social security office, to try and apply for disability, but was told, that I would not be eligible for it, because I would have to be out of work for a year, before I could apply for it. I have been out of work, by order of my doctor, since june 4 of this year. So, someone like me, who has real medical issues, and cannot get disability help, really stinks.
Now, I was told yesterday, by DMM, that the remodification loan that I applied for in august of last year, has been changed. My mortgage is through Kentucky Housing, and it was 463 a month. It was that amount until the beginning of last year, when it was raised to 565 a month. I tried to make the payments, on my own, but found that I couldn't. I was working two jobs, but lost one, due to budget cuts, and had no choice, but to declare a chapter 13 bankruptcy. I also informed kentucky housing that I would not be able to keep the house, because they had raised my mortgage payments, by 100.00. They in turned, referred me to DMM, for a remodification loan in august of last year. I went through all the financing counselling, etc. and in september of last year, was told that my new deferred mortgage payments beginning october 2008 would drop from 565 a month, down to 342 a month and that my interest rate would drop from 6.50 to 1%. I was happy to hear this because now I was better able to take care of my child and myself, and pay my monthly bills and the mortgage payments. I was told that I would be paying the 342 a month for three years, and then after that, if my finances had not changed, I would continue to pay the 342 a month.
However, when you signed the new stimulus bill this year, it affected my remodification loan. The interest rate was raised from 1% to 2.9%, which caused my mortgage payment to go back up to 410 a month. I did not find this out, until this past wednesday. I spoke with both DMM and kentucky housing, and thanks to you, I will be losing my home, because I cannot afford to pay the 410 a month. I have no assets, no savings, no stocks, bonds, etc. I have nothing. Right now, I am struggling to pay my monthly bills, and, pay the 342 a month for the mortgage and buy my medications, which I cannot go without.
I understand that I am not the only one affected by this. There are many other people like me who will be losing their homes, as well, because the remodification loans were changed. This bill that you passed should not have affected someone like me, because I had applied for the loan in august of last year, 4 months before you signed the bill. This new bill should only affect the people who are applying for the remodification loans, after the bill was passed.
I want you to know that I do not make a lot of money like you do. I only make about 22,000 a year. My house is not big and fancy like yours, but is small with an area of 800 square feet. It is a dinky little house, but it was mine and my son's. Now, you have taken that away from us, and we have nowhere to go. you, apparantly have no idea, what damage you have done to people like me. I thought you would make changes that would benefit people like me, but you have not.
Now, how am I suppose to take care of my child and myself. I do not know when I will be able to return back to work, or if I will be able to return back to work, and now we will not have a place to live in, because of you. I wish you never became president. Because of you, I am losing my house. Of course, I am sure that you will be able to sleep good tonight, because you have a nice big place to live in.
Thank you for taking away our home, and making it hard for me to get disability help.
