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By Admin in Stop Foreclosure Help on August 27 2008
In the past, many families chose to give up, or abandon their pets due to financial reasons, but today, more than ever, pets are feeling the burden of foreclosure and homelessness. Cats, dogs, birds, and many other animals are becoming victims of foreclosure and being kidnapped from their home and losing their families! When an eviction happens, many times, the  homeowners are at work, or not at home. The sheriff and eviction crew will break into the home and proceed to move all the contents of the home into the streets. When pets are home, animal control is called to take the pets and place them in a shelter. In some cases, the homeowners have abandoned the home and the pets are found dead or nearly dead from starvation and neglect! Animal shelters see similar problems when a natural disaster occurs. Pets are abandoned, but many are reclaimed once the disaster of over and the recovery process starts. In a foreclosure situation, the pet owners would have a very hard time recovering with the burden and expense of a pet. With limited space and more animals, shelters are forced to make life and death decisions with the innocent lives of “foreclosure pets”.
If you are facing foreclosure, what will happen to your pet? Most apartment buildings don’t allow pets, or if they do, the added monthly expenses could make the home unaffordable. Additionally, higher deposits for pets are almost always required. Moving into an apartment or rental home after foreclosure is hard enough without a pet, so many people are choosing to take their pet to the animal shelter, or even abandoning them. When homeowners can’t afford to pay their mortgages, how can they expect to buy food, or provide proper medical care for a pet?
Leaving a pet behind when you move out should never be considered an option. There are animal shelters nationwide that will accept and care for your pet when you are no longer able. You may also find a foster home for your pet, where you can re-claim your pet once you are financially stable. By leaving your pet behind, you not only risk your pets life, but you may be charged with animal cruelty and fined up to $1,000!
Fortunately, there are many loving families who are looking for a new pet, so if you are no longer able to care for yours,  then you should first try to find a good home for your pet. To do this on your own, you should try to hang flyers on the local bulletin boards or you can use free advertising online or in your local newspaper. If you are not able to find a home for your pet on your own, you can go to the local animal shelter and they can help you find a home, or they will take the pet from you, if you can no longer keep the pet at home.
Of course, with the right help, you should be able to keep your home and your pet, but many families find themselves in a situation where it’s too late and keeping their home is no longer an option. If you are facing foreclosure, seek help immediately, for both your own well being and your pets!
By Admin in Stop Foreclosure Help on August 26 2008
Finding your options when facing foreclosure can seem very difficult, but here are 10 easy steps to help you determine which options are available for your exact situation. In most cases, you will need to work with professional foreclosure, real estate, and mortgage professionals, but you could also use these steps on your own, without help.
- Understand the foreclosure process and timeline for your state and determine your exact location on that timeline. You need to know exactly how much time you have left for each stage of foreclosure. At this point you will also be requesting that the lender put the entire foreclosure process on hold for 30 days for you to present a foreclosure alternative.
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Request a payoff for all of the mortgages and liens against your property. This payoff should be requested officially and is good for 30 days. This is not the amount they give you on the monthly statements or tell you over the phone.
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Establish the exact amount you will need to bring your mortgage current. This number increases on a daily basis, so you will request the total arrears along with the exact amount of additional fees on a daily basis. Again, this number must be requested officially, they do not give you accurate figures over the phone or in your monthly statements. You will also submit a request to reduce the amount of legal fees and to stop additional fees for 30 days.
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Perform a complete valuation or appraisal on the property. This includes taking price opinions from many sources and determining the current market value of the home. Because of the current market conditions and inflated or inaccurate appraisals, you must complete a current valuation; a previous or recent appraisal may not reflect the true market value of your home. This is a very important part of negotiating with your lender.
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Determine your total household monthly income. In many cases, there is additional income that can be used towards your Debt to Income Ratio (DTI). Your DTI is used to determine whether you qualify for both refinancing and any type of loan workout or modification.
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Complete a full mitigation package including all verification documents, hardship letter, and supporting documents. Your hardship letter will include the 10 required points along with supporting documents showing a financial correction. A request for a pre-qualified workout solution or loan modification will also be part of your mitigation package. When presented correctly, your Mitigation package with have the best chance of success.
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Submit your mortgage application for refinance through one of our preferred partners. Unlike mortgage companies who have turned you down in the past, our partners will base their decision on your equity and your ability to repay the loan, not your credit.
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Solicit offers from private lenders and investors. With the ForeclosureFish system, you will have access to private investors who can refinance your home or provide you with a new loan with interest rates as low as 5%. Private investors offer a unique opportunity to homeowners and in many cases homeowners are able to cut their monthly payment in half!
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Compare the legal requirements of foreclosure in your state to determine if your lender has taken the legal steps necessary to foreclose on your home. If your lender has not properly completed these steps, the foreclosure may be illegal and can be reversed by your attorney.
- Increase your income as much as possible and raise as much money by selling belonging that are no longer used. The more cash you have on hand, the easier it will be to carry out any method to stop foreclosure.
Once all the previous steps have been completed, you should have several legitimate options to stop foreclosure. Simply choose the option that fits best into your long term financial plan. After you complete the foreclosure recovery plan, you can begin to repair your credit. It’s important to begin both of these processes as quickly as possible, so don’t waste any time.
By Admin in Stop Foreclosure Help on August 23 2008
Some people never know when to give up. There is a crucial point in foreclosure where you need to realize that it’s time to stop fighting. This may be hard to hear, but in many cases, if you “fight to the death”, it may cause irreversible problems with your credit and future financial state. Knowing when to stop fighting foreclosure can allow you to quickly recover and begin living a normal life again. Many people can even buy a new and better home almost immediately.
 Keep in mind, when we say give up trying to save your home, we don’t mean to stop fighting foreclosure, we just mean that you should stop wasting time and money trying to keep your home. Having a foreclosure on your record is never good, so when you are ready to accept the fact that keeping your home is no longer an option, you need to begin finding ways to make the impact of foreclosure as painless as possible.
In previous articles, we recommend never giving up; in retrospect, this is really bad advice. What we should have said is, don’t give up until you talk to us first. We have many options available that no other companies offer, so even if you had been turned down, there was still hope. But you need to know when to stop looking for help and when help just isn’t available. In general, if we don’t have an option to help someone, it’s time to start thinking of ways to make the foreclosure as painless as possible. Too many people waste all their time and money fighting an impossible battle.
If you don’t want someone elses help, or if you would rather figure it out on your own, here are a few ways to know it’s time to give up:
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If you don’t have a job or other source of income to make your payments, then fighting foreclosure will be very hard. You will need to establish a source of income as quickly as possible. Finding a new job may be the answer, but if your income doesn’t begin to improve, you may want to think about moving on.
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When you’re upside down in your home, there are only two real options for keeping your home. In some cases, you may be able to do a “short payoff” to lower the total amount owed, but this is a rare occurrence and must be negotiated by a professional. The only other (legitimate) option is to sell the home with a short sale. You may be able to purchase the home back at a later date, but you’ll be required to move out first. All other options are a losing battle, because you’ll be paying more than the home is worth. In this situation, it’s better to find a more affordable home.
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Some properties are located in an area where the values are dropping so fast, they’re in danger of being completely worthless. If your home is in an area where values are dropping, then you may want to consider getting out while you still can. Even when you have equity, if you are slowly seeing it disappear, then it’s probably time to find a new home.
If you find yourself any any of these situations, there are still options to save your credit and prepare for the best possible outcome. Two of the most popular options for homeowners in this situation are a short sale and a deed in lieu of foreclosure. For either of these options, you should seek the help and advice of a foreclosure and real estate professional. There are drastic consequences when these options are not performed correctly, but either can help you save your credit and get a fresh start.
For most situations, keeping your home and continuing with a lower monthly payment should be possible, but if you meet the criteria above, you’ll want to review your situation with a professional and make plans for the best possible outcome.
By Admin in Stop Foreclosure Help on August 23 2008
I’ve been traveling over the last few months, interviewing foreclosure victims and helping people save their home from foreclosure. In order to save money, I’ve been staying with friends or relatives when possible, or sleeping in the back of my truck. I have a nationwide gym membership and I always go work out in the morning, so it’s easy to shower and get ready at the gym. As you may have guessed, our business is about as close to a non-profit as it gets, because most of our services are free. Essentially being a non profit, we do don’t have large expense accounts for hotels or corporate housing. And let’s face it, sometimes the back of a truck or van is more appealing then a cheap motel.
 Since I started traveling, I’ve met several families who live out of their car, van, truck, or RV, because they’ve lost their home to foreclosure. Sometimes I feel like I can relate to their situation, but then I realize that it’s not even close to the same. At the end of the day, I still have a home, even if I never get to go there. For these unfortunate families, their vehicle has become their home; they’ve lost their house and any of their physical belonging that didn’t fit in the truck of their car. As much as I may feel their pain of living on the road, or in a car, I can never truly understand what they’re going through.
Here are a few major downsides of living in a car:
In most states, it’s illegal and you can be arrested or ticketed for living in your car – When I sleep in my truck, I usually park at a road side rest area, truck stop, or other area where sleeping in the care is 100% legal. Another good option is an inexpensive campground or a Wal-Mart parking lot. In general, Wal-Mart allows RV’s to camp in their parking lots, however, you should always get permission from the manager. California and a few other states to not allow this, so Wal-Mart is not always an option.
The cost of gas can be overwhelming – When living in your car, you will have a tendency to drive more than you normally would. This can quickly deplete your daily budget with gas prices getting higher every day. It’s better to park your car in a centralized area, where you can walk to any amenities and services you may need throughout the day.
You’ll never get a good night of sleep again – Unless you are very lucky, your nightly sleep will be interrupted several times a night. Whether it’s a police officer, noisy neighbor, loud traffic, emergency vehicles, or car thief, you can count on being woken up several times throughout the night. Finding a quiet and secure place to park at night is nearly impossible these days, this is why hotels now cost $100 a night and campgrounds cost up to $40 per night. I asked several people where the best place to park was, and the responses ranged from used car lots, hotel parking lots, beaches, hospitals, and even casinos.
No matter what your situation is, living in a car is never a good option. I am able to do it occasionally, because I am constantly on the move. I don’t stay anywhere long enough to bother anyone or attract attention. But rest assured, if you park your car at a road site rest for longer than a day or so, you’ll eventually be asked to leave. Living out of your car or on the road is an acquired skill. You’ll have to dodge the local authorities, avoid unwanted attention from your new “neighbors”, and find a place to shower on a daily basis. This can be very tiresome and frustrating, but for many, this is the only way they can live while recovering from foreclosure.
If you are facing foreclosure and you’re thinking about letting your house go and living in your vehicle, please consider other options. There are many other options available and if you think living in your car may be a good option, then just try it for a few days first. After just one day of living in your car, you’ll have a new level of motivation to keep your home and stop foreclosure.
By Admin in Stop Foreclosure Help on August 23 2008
As you should already know, going through a foreclosure will drastically effect your credit rating. Not only does the foreclosure itself cause negative marks, but the missed payments and other legal problems leading up to the foreclosure can be enough to ruin your credit, even without the foreclosure.
 If you’re a homeowner, then you probably haven’t rented an apartment in a while, but today, 90% of landlords will perform some sort of background and/or credit check. The days of meeting someone and renting an apartment the same day are virtually gone. Most landlords require a credit score exceeding 700 and income three times higher than the rent price. If you can’t meet the credit score requirements, then a higher down payment may help, but most places simply wont rent to you. Most foreclosure victims have very little money to use as a down payment and have credit scores well below 600, which makes finding a rental very difficult, if not impossible. Even if you have the income requirements, saving money for a down payment will require time, and keeping your job is much easier with a home. It’s a catch 22, you can’t get a home without a job and it’s hard to keep a job without a home.
Here are a few tips for someone who has been through foreclosure, or is having problems renting:
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Be honest with the person you are renting from. They will most likely run a credit check anyway, so don’t try and hide the fact that you’ve been through a foreclosure. This can also save everyone from a lot of wasted time.
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Rent from an individual, not a real estate agent or leasing company. Individuals will make a decision based on you as a person, not just your credit report. Even though an individual may still check your credit, if you’re honest with them up front, you may still get the apartment.
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Always provide proof of income and a list of references who can verify your ability to make the payments as agreed.
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Negotiate the rental price to make it as affordable as possible. Also, don’t assume that you have to get pushed around or forced into poor living conditions, just because your credit isn’t perfect.
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If the down payment is too high, ask if they will allow you to pay the down payment over time, in addition to your payments. For example, if rent is $1,000/mo and there is a $1,000 deposit, you may ask if paying $1,250 for the first 4 months is acceptable.
If you’ve tried all the tips above and still can’t find anyone to rent to you, then there is still one more option. There are many vacation rentals or temporary housing rentals available with no deposits and no credit checks. These rentals are available in almost every area of the country and can be found using local news papers, or the Internet. I have found many of these rentals for our clients on craigslist or vrbo as well as local newspapers under vacation rentals. Here you’ll find homes, condos, and apartments advertised for people looking for a short term rental. These places are usually advertised at a much higher rate than you’ll ever be able to afford, so you’ll need to negotiate with the owner to get the best possible rate. I have found rentals that normally rent for $2,000 a week for $900 per month! The key is to find a place that is just sitting empty; the owner would rather get a little less money, rather than leave it sit empty.
Obviously, any option to avoid foreclosure, even if it means selling your home, will be better for your credit report, but if your credit has already been affected, then hopefully you can uses the tips above to find an apartment, even if it is just short term, until you get back on your feet again.
By Admin in Stop Foreclosure Help on August 14 2008
With interest rates adjusting, property values dropping, and our economy getting worse every day, many Americans are in fear of foreclosure or missing their mortgage payments. Obviously, making a late payment or missing a payment is never a  good thing. When you are over 30 days late, it will reflect a late payment on your credit report and in most cases, once you’ve missed three payments, you’ll no longer be qualified for a mortgage. Obviously, you should make your payments if possible, but what should you do if you can no longer afford your monthly payment?
Many people take out second loans or use credit cards to make payments, which is okay for a short term solution, but eventually they’ll run out of money. Unless there is a reason that the mortgage will become more affordable at some point in the near future, taking out more loans should not be considered a solution. The same thing goes for borrowing from friends or family. There is no reason to borrow money, unless you have a long term plan to get back on track. Fully extending your credit and borrowing from friends and family will only make your situation worse.
The first step to take, when you think you may miss a payment, is to evaluate your situation. You will want to speak with a mortgage/financial/foreclosure specialist to help you with this process. You need to know if your current mortgage is affordable in the long run. Of course, there are many things you can do to make it more affordable, such as getting a second job, renting out a portion of the home, or finding a job that pays more. But none of these options are available, you’ll need to find out if its possible to establish a budget to make the payment easier on a monthly basis.
In some cases, there may be a future change that will increase your income, such as a promotion or raise at work, or a settlement payment or other payment will begin to arrive at some fixed point in the future. In these cases, borrowing money or drawing from a retirement account may not be a bad idea. These are all questions you should review with a professional. But keep this in mind: winning the lottery or planning a successful trip to the casino should not be considered future sources of income. Another mistake I see quite often is homeowners expecting to find a better paying job. I’ve even seen people quit their job with expectation of finding a better paying job. Don’t be an idiot and quit your job before you’ve found another job, especially if you’re behind on payments! Finding a job is not always easy and you can’t count on that for future income. A second job would be a much better option, until you can find something better.
Once you’ve established that your existing mortgage is no longer affordable and it will not become affordable at some point in the future, there are really only three options: sell the home, refinance the home, or modify the existing terms of the mortgage. All three of these options can help get you into a more affordable monthly housing payment. Just keep in mind, with todays market, it could take a long time to sell your home, and if you’ve already missed payments, you’ll probably get turned down for a refinance. A loan modification is probably your best bet if you find yourself behind on payments and facing foreclosure.
By Admin in News and Economy on August 12 2008
Some former homeowners who lost a house to foreclosure in the past few years or longer ago seem to feel that the new housing bills are unfairly helping out current borrowers. After all, where was the political activism and federal assistance years ago when other families were being set out on the street? Looking at the new housing legislation more carefully, however, should indicate to previous foreclosure victims that current homeowners will receive more harm than good.
But because now the foreclosure crisis issue has become a political debate point, various bills have been passed over the previous year that claim to help homeowners in foreclosure save their homes. But no one who lost a house in the past has much to worry about — most of these federal bills are designed more to help out corporations and banks than actual homeowners.
For instance, one of the housing legislation bills had tax breaks for airlines and automakers, which are not the typical foreclosure victims. So average taxpayers will be funding the bailout — not of other homeowners losing their properties due to subprime loans and predatory lending — but of corporations who have lost profits because of the slowdown in the economy!
Even if previous homeowners were facing foreclosure now, there is little chance the housing bills would help them save their homes for very long. The latest act is designed to help about 400,000 borrowers, out of possibly millions of potential foreclosures expected in the next few years. If they are lucky, maybe 10% of homeowners behind on their mortgage will get help from the federal government, and even then, these programs are still voluntary for the banks.
So the bill is really just a token effort by Congress to get homeowners to shut up and go vote for either party taking credit for the legislation for another election cycle. The programs are voluntary for the banks, do not apply to all homeowners, and will not do anything to stop foreclosure on a large scale, or impact the inflation and credit crunch that are really at the heart of the corrupt financing system that is pushing people into foreclosure in the first place.
If anything, similar bills passed when former borrowers lost their homes probably would have made the situation even worse, just as the new acts will exacerbate the slowdown in the economy. Tons of new federal legislation, and any given homeowner might not have qualified for any of it — but they would have to finance other people who did qualify for solutions from the government even as they were losing their own home.
It is important that everyone look at what these new bills do — not what they are explained as in the media, and not what they are named. In reality, all Congress is doing is taking money away from every person in America to give to corporations who are losing money because people in America do not have enough money to go shopping with those corporations as much as they used to because of previous acts of government. Makes sense, right?
By Admin in General Foreclosure Help on August 11 2008
When facing foreclosure, one of the most common problems homeowners face is either believing that it is impossible to stop the process, or that, once they hire a company to prove assistance, it is amazingly easy to save a home. While hundreds of borrowers are able to prevent losing their home every day, it is never as easy as many companies make it out to be, and homeowners need to be prepared to put in the necessary amount of work.
Whether it is applying for a refinance loan, or trying to qualify for a mortgage modification, or simply looking for mistakes the bank has made in the original paperwork or with the lawsuit, many of even the most routine procedures during the foreclosure process take time. Understandably, homeowners often feel as if they are running out of time and need to get something done as soon as possible, but few aspects of foreclosure move very quickly. Patience often pays off for borrowers who stick with the system, though.
But the most important task that owners need to be prepared for is to fill out loads and loads of paperwork, and to fill it out as optimistically truthful as they can. If they lied on the original mortgage paperwork in order to qualify for a house that was a little too expensive, now is the time to disclose the true state of their finances when they are applying for a modification or other repayment plan. The mortgage company will want dozens of pages of paperwork for any solution, from refinancing to deed in lieu, and even filing bankruptcy to stop foreclosure will just result in even more forms to be filled out and signed.
Another important point to keep in mind is to meet every single deadline the bank or assistance company imposes on the homeowners. Being turned down for a modification because the paperwork was not turned in on time or the rate locked in for a bailout loan should rarely, if ever, happen to homeowners. Few things are as time sensitive as foreclosure, so borrowers who really wish to save their homes should know exactly where their financial documents are and have easy access to them in case they are needed to evaluate a solution.
Especially for borrowers who are running up against a sheriff sale, time is of the essence, and all of the hard work that could have been done over a few months may have to be completed within a few days or even hours. It is possible to stop a foreclosure auction, but lenders will not agree to a postponement unless there is a reasonable solution on the table and a realistic chance that the method will allow the homeowners to avoid foreclosure completely. But stopping a sheriff sale a week away from the date will take extra work in a collapsed time frame.
Foreclosure is a legal process, which means it is needlessly complicated, but numerous homeowners throughout time have been able to stop the process and hold onto their homes. Current borrowers should face their own foreclosure with realistic expectations and know that much work is involved if they are serious about saving the home. Much of the work is the tireless, thankless dog-work of filling out, signing, and dating numerous forms and worksheets and collecting financial documents, but the process would be similar for buying a new home or filing bankruptcy.
Assistance companies and loss mitigation departments can provide help and solutions, but without direct, timely input by the owners themselves, the chances of preventing the loss of the house are essentially zero. Foreclosure is not impossible to fight back against, but neither is it a tea party: homeowners who want the best solution to the problem need to be willing to put in the work to show any interested parties they deserve a second chance at paying the mortgage. And it will be the borrowers who do the most work that will find a long-term solution, get their payments back on track, budged appropriately, establish a savings plan, and repair their credit.
By Admin in News and Economy on August 7 2008
The Housing and Economic Recovery Act of 2008 is the new bill passed by the Congress and signed into law that has been explained as providing government help to homeowners facing foreclosure, but which really illustrates just how closely connected Congress is with financial and business interests. The legislation is nothing more than more subsidies to the largest financial power centers, with the bills being paid through debt by the American people.
But this latest bill is the largest ever, and it is inconceivable how it will be paid. Five trillion dollars of Fannie Mae and Freddie Mac mortgage debt is now effectively guaranteed by the federal government in order to keep these companies from declaring bankruptcy. Average people will not see any return from this $5 trillion public investment, however, as the Federal Reserve will subsidize the GSEs in order to further privatize profits for investors in Fannie/Freddie.
Despite a financial system wide credit crisis, the bill means that Fannie and Freddie can continue borrowing everything they need to stay in business. Instead of obtaining funds by running a decent business and remaining credit worthy, however, they will simply use the coercive power of the federal government to steal from all of the people through taxes, borrowing, or inflation.
A new regulator has been appointed to oversee the Government Sponsored Enterprises, which effectively means the government can impose large amounts of control over the companies at will. Obviously, this is designed to provide slightly more ostensible accountability for the GSEs, while in reality it strengthens the ties between Congress, regulatory agencies, and Fannie Mae and Freddie Mac. So the businesses have been nationalized in all but name, with the new regulator running the company in whatever way Congress sees fit.
With their lines of credit to the Treasury and the Federal Reserve ready to step in and prop up their stock prices, the GSEs have become companies whose stock prices can be wholly determined by government subsidies. At trillions of dollars of cost to the American public, Fannie and Freddie can stay in business, keep taking on investment risks with moral hazard, and reward their investors and managers forever.
So what have the interested parties received from the new housing legislation? The GSEs receive their $5 trillion of debt guaranteed by the American public and their stock prices guaranteed by the Federal Reserve, with new regulatory oversight strengthening the ties between government and the banking interests that have met in the management halls of Fannie and Freddie. None of this money will ever be paid back, and more debt will further weaken the dollar through inflation. The American public, on the other hand, receive a $7,500 tax credit for first-time home buyers, a tax credit which must be paid back to the federal government over time. Sounds less than fair.
By Admin in Stop Foreclosure Help on August 1 2008
Most people in the USA seem to believe in God, or some sort of higher power, but do our higher powers care if we lose your homes to foreclosure? Across the nation, homeowners are praying to God to stop foreclosure and help them through their financial hardship. Realtors and mortgage brokers are even meeting in prayer groups to pray for more home sales. Obviously, if praying and faith alone were enough to stop foreclosure, we would have much less of a foreclosure problem in our country, but does that mean your faith and religion can’t help you through foreclosure?
 Many churches now offer foreclosure assistance to their patrons by way of special foreclosure classes and education. These classes involve professional financial planning, as well as education about mortgages and predatory lending. A few churches may even provide financial assistance or provide loans to members of their congregation. The general public is welcome to attend any workshop or class, even if they are not associated with the religion. Catholic Charities USA sponsors many workshops across the nation and has provided help to over 4000 foreclosure victims. Many religions have similar classes and charities available on a weekly or monthly basis.
Another religious based foreclosure prevention technique is to bury a small plastic statue in the backyard when you need to sell your home. Burying a statue of Saint Joseph somewhere in your yard or garden is reputed to enlist the saint’s assistance in finding a buyer. This can help prevent foreclosure when you can no longer afford to make payments. Many homeowners, after having their home listed for years, have reported success within a few days after burying the statue. Some say the statue should be buried upside down until the home sells and removed afterwards. Others believe that leaving the statue will help protect the property for the new owner. For a mere $3.95, you can sell your home and avoid foreclosure, or so the ad says. Well, just like praying, if you’re facing foreclosure, you might want to enlist the help of anyone willing to offer it!
Your church can offer a great support group, and for many, their faith can provide the motivation needed to make it through tough situations. But, as with any difficult situation, you will need to accept help from all possible sources of help. There are many government programs available to help and foreclosure professionals can easily help you keep your home and get a lower payment by negotiating with your existing lender. You may even be able to refinance into a brand new loan, if you act soon enough. The key to stopping foreclosure is acting quickly and taking the steps necessary to stop foreclosure.
Although there are no facts that say praying will help save your home, I am pretty sure it will never hurt. But praying alone isn’t enough. Always remember, God isn’t going to save your home through divine intervention, but he just might point you in the right direction so you can find the help for yourself.
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