Now I am really worried.

I have spent the better part of most of my life fighting for one thing or another.  Usually I fight to be a part of something.  Sometimes I fight to go somewhere.   Sometimes I fight to get a new service or new program.  I like it best when I am fighting for someone else to get what they want.  I hardly ever fight for things to stay the same.  Today though that is what I am doing.  I am now getting paperwork from my mortgage company encouraging me to apply for a government short sale.  The short sale is what you can do when you can't pay your mortgage.  You sell your home. (Usually for less than what you owe) Then you give that money to the bank that has your mortgage and you walk away.  They agree not to pursue the rest of what you owe.  A lot of people have success with a short sale.  It can be a good thing for people who have no other way out.

I have been told I have a way out!  An underwriter for my states housing authority has agreed to give me a loan to make the mortgage current!  But I can't seem to get the correct paperwork to the correct people!  This is really scary and irritating.  I worry all the time.  I am sad.  I know that if things go bad here and I have to leave it will break my spirit and I will not survive it.  The thought of having to give up the four legged children brings me to tears.  With a broken wheelchair I went to choir practice.  People kept looking at me and asking, "Are you OK?  or  "How are you doing?"  I knew I wasn't myself.  I have a few months and a few things I can do yet.  One thing I might have to do is wait until they actually put me in foreclosure, get the paperwork from that and send it to the state who will then hopefully quickly issue a check to the mortgage company.  But so far the paperwork has not been filed.  I am technically not in foreclosure and would like to avoid it.  I may also be able to get free advice from a lawyer who knows the law in my state.  It might help.  It might not.  I would hate to lose my home because of a technicality.  Put me in your prayers.  I need them.  and take care.