By: Ken Amaro | firstcoastnews.com
“JACKSONVILLE, Fla. — Letitia Early, 51, lost her job in January 2008 and her ability to pay the mortgage on her home. But Early said she never lost her hope.
“I limped along and used my savings,” she said, “Everything I had to make my payments.”
She was doing everything to save the home she called her forever home.
“This was going to be my forever home for my disabled son and I,” she said.
She was determined, but was struggling, and turned to the Making Home Affordable program for help. But the federal mortgage modification program application must still be approved by the bank and that was a problem.
“In November 2010, I actually received a rejection letter from Bank of America saying ‘you did not qualify,'” said Early, “after I had provided all the information they wanted for two years.”
Early, who was in a credit counseling program at Family Foundations, turned to the nonprofit for help. Family Foundations is a HUD-approved counseling agency and between the two, they were able to move Early’s application to the right person.
Early was given a trial mortgage modification, which is normal in the process, but her problems were far from over.”