How do I stop a foreclosure?
We got about a month behind on our mortgage right after hurricane Ivan due to damages and my husband out of work (his work was damaged). We have our mortgage through Ameriquest. We almost had it caught up and they upped the interest rate twice, increasing the monthly payment, that plus the late fees keep piling up. We wound up two months behind. I sent this months’ payment in plus an extra 0, but they still haven’t applied it to my mortgage. What do I do? And if they are starting the preforeclosure things will they refuse my monthly payment? BTW, I live in Florida. I don’t want to lose our house. If we can just work out the two back payments and slack off on the late fees, we can make the mortgage payment ok.
Contact the housing department. It is not legal for them to just up and raise your interest rate unless you asked them to.
Additionally I would send them a copy of your husbands unemployment claim.
Another idea is to check your homeowners insurance, you should have coverage as your home was damaged in a natural disaster.