Love for Lucas

Dear Blog Followers,

Sorry it’s been so long. NaNoWriMo and the mortgage companies (Bogman, Inc and M&T Bank) have made this a busy, busy month. (NaNo = good; Mortgage companies = BAD!)

I come to you with a request. Please help my friends, Beth and Luis. A better couple of folks would be hard to find. Their three year old son, Lucas, needs help. He has a serious immune deficiency, and he has been fighting it since birth. Now, they all need to spend six months in North Carolina for Lucas to receive a bone marrow transplant. They live in Jacksonville, FL. This means they will both need to take extended leaves of absence from work, for which they will not get paid. They also have to pay high deductibles and higher insurance premiums.

If it strikes you, please donate for their boy. He needs your help. Even $5 will help. Heck, even $1 would help. Anything.

Love for Lucas

Thank you for your time.

Much love,
Cheryl

When the Mortgage Man Flipped Me the Bird

My mortgage started its sordid little life as $250,000 offer from my real estate agent’s “In House” lender. I laughed and told them they were insane. Later, Provident provided me a mortgage for all of two, maybe three, months. They sold it to Bogman, Inc, about whom I had never heard anything. This month, after many weeks of finagling a loan modification and making the first payment of said loan modification, Bogman sold my loan to M&T Bank. I had been with Bogman for the better part of three years.

The major problem with this? The terms of the modification require me to make my mortgage payment on the first of the month or the modification is declared null and void. The major problem with that? Neither Bogman nor M&T have sight of my loan right now. Well, they can see that I have a loan (so I can’t just up stakes and run away), but neither of them can accept payment on it. Not cute.