I signed papers on my house when I was 20. It was maybe a week before my wedding. The loan was pushed through faster than usual because they knew we wanted to be in before we were married. I wish I would of taken more time and knew what I was doing. Turns out the mortgage broker would get people approved for houses that shouldn't of been and she wouldn't show up to the signing to explain things (which happened to me). Turned out my house had balloon payments and when dh got layed off our payments went up and I fell behind on the house. I have been trying for two years to get a modification for my home and I kept getting the run around. Last fall I went from having BAC to SPP lenders and I got a call yesterday saying that we were FINALLY approved for a modification! But I need to make a payment buy the 10th!! Luckily we went to h&r block and got the federal advance so I'm able to pull it off. I feel so blessed to be given a second chance. The payments are more affordable now and I am so excited to be able to have plans for the house again. When I took my Christmas tree down really thinking it was the last Christmas we would be here. Anyways, I'm so excited! The living room really needs new flooring and I'm not set on carpet. Can't wait to get our taxes (WHENEVER that will be!) So I can put some into my home :) Thanks for reading!