Hello all and happy Sunday. It has been a while since I posted any update to my story, but I felt I should write today as I am winding down (I hope) to a final conclusion.

Last week I received a packet in the mail from CitiMortgage. Inside were yet another set of documents for my Loan Modification. What made me the happiest is that it is finally in the context I requested. This is not a modification program put in place by the Obama Administration aka Home Owners Assistance Program, which is only a 90 day fix, but an actual Loan Modification that will remain permanent until I sell my home. My payments have been reduced by 30% and it has been extended out for 40 years. That is all I wanted and 6 months later, it is what sits in front of me ready to sign and deliver. Now, all things considered, I won’t believe it until the bank gets the documents back and actually puts this into motion and removes the Foreclosure Petition against my home. The energy and time spent on this part of my life has been a valuable lesson that when you put your mind to it, great things can be accomplished. My home no longer means anything to me other than shelter for my family. I look forward to the near future when I put my house on the market and leave this ugly nightmare behind but my market is still soft and I am looking at about a year until things improve for this particular area.

Final words of wisdom on this topic…don’t give up!