Life has a funny way of sneaking up on us. In my case, it was a surgery I never saw coming. After significant recovery time, I lost my job. Before long, late mortgage payments turned into two years and nine months past due on the house.
I was overwhelmed, always afraid of losing my home, the only place I had ever known to create memories with my family. Then I learned about a mortgage assistance program that could help people like me, who never thought they’d be in that category, lose their homes but were desperate to keep them.
I applied for the program and crossed my fingers. They didn’t just listen to my story. They acted: they arranged a loan that reinstated the entirety of the missed payments, bringing my mortgage current. But I had one caveat. My monthly mortgage payment shot up by $500, doubling it from $1,200 to $1,749.51.
It felt at first like I’d simply swapped one burden for another and that the breakthrough wouldn’t be final. Instead, I resisted letting this hitch roll back the gains I’d made and devised a side gig to continue paying the higher amount. Juggling a day job and a side gig has been no picnic but it’s worth keeping my family in a home.
I am telling my story in hopes of helping others out there. They are drowning and sinking as I once did! The best lesson I can offer is not to be afraid and to simply ask for help. These programs exist because people must be reminded that help is always there if we ask it. If you’re drowning, don’t be afraid, because that’s what I am in Vancouver to tell you – help is there, it’s there, it’s all around, and it will truly change your world. Can you help me with two payments of $1749.51 per month this will put me one month ahead, thank you very much, I am humbled and grateful.
Gratefully Yours, Patrick Dennis