Repairs but behind on mortgage

Guest

I am currently three months behind on my mortgage due to a death in the family and lapse in employment that happened at about the same time Sad

... There were storms here a few weeks ago that caused roof damage to my home and my insurance company will cover in approx. 9500 dollars for the repairs necessary and sent me a check.. I need to have it endorsed by my mortgage company now though and I'm "afraid" b/c of all the horror stories I've read about here online .. Does anyone know what happens when this happens? Will I be able to get my roof repaired? I'm just so afraid b/c obviously I don't have enough to cover my mortgage right now let alone that and repair my roof... Thanks for any help you can give me!

Niicss · Posted: Mon Nov 16, 2009 1:35 am Post subject:

As you are behind on your payments, I would suggest you to apply for a loan modification with your lender. You should inform the lender about your present financial situation. Once you apply for the modification, then sent the check to the lender in order to repair the roof. I guess, this will help you.

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