So That My Kids Have A Place To Call MomMom's

Ma just ran next door to fax her 2009 tax return over to the mortgage company.  This is one of the million other things she's had to do since filing for a loan remodification.  For the second time.

Last October she applied for help through one of Obama's programs designed to help people refinance their mortgages so they can afford to stay in their homes.  Thousands of people got screwed over by shitty mortgage companies by unknowingly signing over their lives to loans that inevitably end in inammitorization.  (The interest keeps going up, the principle keeps going down, and you end up owing more over time than the house is even worth.)  I'm not going to get into the long, drawn out story of how my mother got involved in one of these scams, let's just say my father makes lousy business decisions and Ma is now suffering because she was married to him for 25 years.  I will also not go into detail about how much shit she has had to do when it comes to applying for any kind of help to get this fucked up mortgage back in check.  Discovering the meaning of life or climbing Mount Everest would be easier.  Trust me.

The first time she applied for refinancing, she was rejected.  Here is why:

MY MOTHER HAS PERFECT CREDIT.  ALL OF HER BILLS, INCLUDING THE ASTRONOMICAL MORTGAGE PAYMENT, ARE CURRENT.  WE HAVE LEARNED THAT ONE MUST DEFAULT AND EITHER ENTER A SHORT-SALE OF THEIR HOME OR HAVE THE BANK FORECLOSE ON IT BEFORE THEY WILL EVEN BE CONSIDERED FOR A LOAN MODIFICATION. 

The government will not help those who obey the laws, those who pay their bills on time, or those who have worked hard their entire lives to create and keep a home for their family.  Because, you know, my mother isn't some crackhead that keeps popping out babies, she's not unemployed, she's not looking for hand outs.  But because her and my father are now divorced and she wants to sever any financial ties completely with him, she can't afford the mortgage payments on her own.  I do what I can to help, giving her money for the electric or water bills, or writing her a check if something breaks, (read:  if I break something.)  Half of the mortgage payment would be an entire paycheck for me, and I don't ask for help with any of my own bills.

So, in other words, you have to be a real fuck-up before someone will help you. My mother would like to avoid fucking up her credit and losing her house. But the government won't help you until you have become totally destitute, and even then, your chances of any kind of break? Are slim to none.

We might be able to make it if I just give in and start robbing banks or selling drugs and/or my body.  Because honestly?  It's getting to the point where I would seriously consider doing any of those things just to give my mama some relief.  And maybe if I do end up a junkie whore with ten kids, one of us could get some fucking help.