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Do you have any money in your 401k? See if you can take out a general purpose loan. LOAN, NOT WITHDRAWAL. Otherwise you’ll owe a shit ton of taxes and penalties. You’ll pay that back incrementally and all of the interest goes back into your account.
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Rover. I just started pet sitting 2-3 weeks ago and I’ve already made $700 and I have another $1500 worth of requests for the next month. I’m sure I’ll get more requests within that month as well. I’m in CA too and pet sitting pays decently well for what you’re doing. Especially if you WFH!
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Credit cards. You need a roof over your head. Take out a 0% APR for 18MO intro cards and put your expenses on that for now. It will save you for the time being and allow you to pay your mortgage.
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As another poster said, food bank. Food is insanely expensive right now. No shame in doing what you need to do to make sure you don’t lose your home. Best of luck!
Although I have no advice about your loan modification… When I was laid off & was searching for ways to get more income… I ended up selling a ton of my kids & I’s old clothes/shoes/household items I no longer needed or wanted on FB. Also started a FB post about babysitting for other parents who needed after-school care till they got off, I even had 2 little ones I still watch because their dad works 3rds…they literally just sleep at my house 3 nights a week. I also cashed in all my spare change. I ended up landing a WFH position & love it. Maybe find a second job that you can WFH. Increase your roommate’s rent a little 
Hoping everything works out for you!
Have you called the lender to ask for a forbearance? That should be your first step. Talk to the lender, they will work with you.
Forbearance is better than being late on the payments.
Call your electric company, see if they offer budget billing, get quotes for auto insurance and try to lower your phone bill if possible.
The first payment I make is always to my mortgage. I budget all my bills from there so I have a roof over my head. No car payment, no cc payments, live within my means. Budgeting and cutting out luxuries (vacations, eating out, spa days, clothes, etc.) is how I make it work.
You didn’t pay anything for two months? Ehhhh you might want to sell and give them their money before they foreclose.
Hollis said:
You didn’t pay anything for two months? Ehhhh you might want to sell and give them their money before they foreclose.
The entire purpose of this post was to get advice about the loan modification process. That is why I stopped paying was because I am going into that process due to hardship. For some reason this post has turned into let’s cut the budget instead of advice on how the modification process works. This is a common process for homeowners in situations like mine. I simply wanted advice from those who went through it prior.
@Del
I don’t think anyone has a loan modification process story because in this market it would be easier to foreclose on you and get their investment back ASAP.
The only thing I can think of is a negative amortization loan. It’s not a good permanent option though. You basically only pay interest but the loan grows with the principal that you do not pay. It could either work for you or against you. Not even sure if it’s an option anymore. I’ve used the loan option before but had to get out of it because the loan grew. Although if you can put what you can towards principal, it would be less of a negative amortization.