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jennie4554 
So my mom tells me today that she is going to a bank to try to re-finace the house. I am scared. I do not want to move. And I do not want my Mom to feel like a failure. I've lived in this house my entire life and my mom has lived here almost 50 yrs. This is my home and the thought of being forced out is horrible. I have premonitions which a lot of people think is weird. I don't feel we will have to move. But that could just be optimism or denial or fear. I am terrified.
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You have a lot invested after your Mom being there 50 years and you almost your whole life.Not just financially but sentamentally also. Moving isn't fun anytime especially if you may loose your home. Did you know the President signed for forclosures that if you qualify your payment can be lowered and they give you 4 months instead of 3 to start forclosing. Since I am am on SSD I am going to try and do this. I will have you and your mother in my prayers.
AliasPandaBaby
I know what you are going thru, although we had only been in our house for 15 years. I work in the mortgage industry, and it's getting tougher to get a refinance, so I'll pray that the lender will restructure your loan. Ours wouldn't, it was last spring before the President signed the bill. Was it tough? Yes. But, we have been so blessed since we moved. Try not to be overwhelmed, and tell your mom that she is NOT a failure. Probably having a small pity party (lots of tears) is a good idea, vent and blow off some steam, that's what I did. The economy is not her fault. As hard as it is to go through this, God may have something better planned for you. Keep us posted on how things go.
Hugs & blessings, Karen
kmhll447