I am looking for help catching up on my mortgage. A little about me; my significant other and I work full time and have 3 children. The oldest is 10 and was born with complete unilateral cleft lip and palate. She has had multiple surgeries from 5 months old to last year. Last February, she had a bone-graft surgery, where I took 2 weeks off of work to care for her and at the end of last year, my significant other was off of work for 6 weeks without pay. I took a disbursement from my 401K to pay for medical expenses the previous year and my company does not allow for 401K loans. I had previously taken out multiple installment loans to pay bills that were overdue when weren’t bringing in enough to cover. I fell behind on my auto loan at the credit union, and a judgement was entered against me in small claims; I now have to pay $200 out of every check in an agreement to pay back my loan there. My credit score has been significantly impacted, and I don’t qualify for any loans.
With the rising costs of groceries, gas, and living expenses, I have since been struggling to get by. My mortgage has been about 2 months behind for the majority of this last year, and I really just need to break even on my mortgage so that I can catch up on everything else. Right now my mortgage payments are $558.50 per month, I owe for December and January. Any help would be appreciated!