My parents had twelve children and for the first time in their lives, they were able to own their own home in 2007. It was a dream come true for them, but now they could lose it all unless Everhome Mortgage will work with us to help save our home.
My sister, Mary Magdalene Rodriguez was 22 years old when she was diagnosed with Multiple Sclerosis. She lived with our parents and our mom was Mary's caregiver and best friend. In January 2003, our mom was diagnosed with Parkinson's Disease and as Mary's health declined, it became a challenge for our mom to care for Mary due to her own health struggles. My name is Emilia Maria and I quit my job to became a full time caregiver not only for Mary Magdalene but for our mom too. On October 29, 2010, my sister Mary, who was 34 at the time, passed away due to complications from Multiple Sclerosis.
Since Mary's passing, my parents have been struggling financially. I did not qualify to receive any compensation as a in-home-caregiver for my mom due to her Social Security income. The medications my mom requires to treat her Parkinson's Disease is increasing by the month. Additionally, my mom also struggles with Diabetes, Charcot foot on both feet and neuropathy in both legs, feet and arms. My dad struggles every day with pain in both feet due to an accident which resulted from pilon fractures in both ankles on November 13, 2006.
Not only have these circumstances been incredibly emotionally and physically challenging, but we're also struggling financially. We've sold off almost everything we have of value: our jewelry; my class ring; my mother's coin collection passed on to her by a family member. Every month, my parents have to make the decision to keep up with the mortgage payments or have money for food and my mom's medication. My mom has even started cutting her pills in half to save money so that we can continue to pay the mortgage. We want to stay in our house and keep making payments, but this situation is unsustainable. We need a loan modification due to our changed financial circumstances.
We submitted a request to Everhome Mortgage for a home modification starting on February 17, 2012 to help lower our mortgage payment. We have been denied four times, allegedly because my parents are making their mortgage payments on time and for this they are penalized. They should not have to live in fear of being homeless or making the mortgage payment and not purchasing the medications my mom needs to keep up her quality of life. They should not have to make the decision of making the mortgage payment or having food to eat for the month.
I've been told that Fannie Mae is the servicer of the mortgage. Everhome Mortgage and Fannie Mae need to have the decency and compassion to do the right thing and that is approve a home modification for my parents so they can live and have the quality of life they deserve. Will you join me in asking Everhome Mortgage to work with my family to help us save our home?
Like so many homeowners, their financial situation has changed recently through no fault of their own. They have always done the right thing and paid their mortgage payments, but this situation is clearly not sustainable.
Everhome Mortgage should work with Emilia and her parents to come to a fair loan modification to help them save their home. I hope you will do the right thing for this family that has been through so much already.