I am so extremely embarrassed to do this but I have no other options. My husband and I worked so hard to save up and be able to buy a home that we could live in forever. We purchased the home in 2017. Things were fantastic until we had a pipe break under the slab in the master bathroom. Since we caught the leak in time, insurance wouldn’t cover the plumbing expense. That set us behind about $3000. Then, a month later, I let our daughter borrow our car for the weekend. She totaled it on the Florida turnpike. Insurance paid the car off, but I had to have $2000 down on a new car. My job is to drive around Orlando to different locations, so I had to have a car. At this point, we were behind on the mortgage and struggling to catch up. I thought we would be able to do that with our tax return. Turns out the IRS is saying that we owe them money so any return expected is gone. To make matters worse, our AC unit need repair. By this time, we are facing foreclosure. I talked to Ditech and requested a reinstatement. I received the reinstatement letter one day before the money was due. I didn’t have enough time to mail it. I requested wiring instructions for the payment. I received an email at 4:57 pm with the instructions. That gave me 3 minutes to get to the bank and get the money wired. I spoke with Ditech again and requested another reinstatement, the second one is asking for the full amount due. I don’t know anyone who has almost $14000. If I had that, I wouldn’t be in this mess. We can afford the regular mortgage payment, just not the amount to catch it up. I feel like we’re drowning right now. Any help would be extremely appreciated.