Delete please

[Barbwire]

I am in plumbing and yes I’m working right now

Do you work for yourself? If not, I would be looking to work for someone else.

 

[Control for Smilers]

Well I make $1992 a month and there is four of us living in the house. The house payment went up. The power went up, doctor bills for my kids groceries, gas just seems like everything went up on us the past few months.

adjustable rate mortgage?

 

[Adamjen15]

This right here. Sorry but it's the unfortunate truth. If you can't make your house note now, even if you got the $3500 loan to get it caught up, you're now in the hole for that $3500 to somebody, and still having to keep up on your house note. I know it may not be what the OP wants to hear, but it sounds like some other change needs to take place first to get your finances in order.

I know what you are saying but I could pay the loan back with my income taxes and trust me when I get all of this figured out, I will be finding a new job. I just can’t quit right now and have no income coming in.

 

[Adamjen15]

Do you work for yourself? If not, I would be looking to work for someone else.

No I don’t work for myself

 

[Control for Smilers]

IF your mortgage is an ARM...can you/have you tried to refinance?

 

[timbgtm]

Thank you. Looks like you need another or an additional job in the future.

2k a month isn't much in today's market. If that's his total income, with plumbing skills, looking for another job would be the best long term solution. 500$ weekly equals out to 12.50 per hour. I hope 2k a month is his bring home. There's lots of jobs in our area starting out at 15-20 Per hour unskilled.

 

[Adamjen15]

IF your mortgage is an ARM...can you/have you tried to refinance?

No I haven’t tried that, but I will

 

[Adamjen15]

2k a month isn't much in today's market. If that's his total income, with plumbing skills, looking for another job would be the best long term solution. 500$ weekly equals out to 12.50 per hour. I hope 2k a month is his bring home. There's lots of jobs in our area starting out at 15-20 Per hour unskilled.

Yes that is how much I bring home a month

 

[Control for Smilers]

IF its an ARM, you are going to save a **** ton in interest if you can refi to a 30 year fixed. there are a lot of brokers in ATL that have no closing costs, or they will roll them into the loan. either way, if your ARM adjusted, you are taking it in the pants right now.

 

[Adamjen15]

IF its an ARM, you are going to save a **** ton in interest if you can refi to a 30 year fixed. there are a lot of brokers in ATL that have no closing costs, or they will roll them into the loan. either way, if your ARM adjusted, you are taking it in the pants right now.

Ok I will see about that