Sometimes I find myself looking around my home and wondering what I would have done without Nevada Hardest Hit Fund®. Funny how almost losing something makes you appreciate it all the more.
I have always been someone who prides themselves in paying bills on time; and I never had trouble getting or keeping a job. That is until 2010 when, after working for a company for almost 5 years, I was given notice that I was no longer needed, and suddenly I was among the growing statistic of the unemployed in Las Vegas.
For the first few months, I was convinced I would find another job right away, but after applying for dozens of jobs and having numerous hopeful interviews, I found myself still unemployed after 2 and a half years. It was a scary day when I had to face the fact that I could no longer make my mortgage payments. I tried to work something out with my servicer, but each time it looked like there was a solution, something came up that disqualified me; or I was told more documentation was needed before they could give me a decision. I gave up hope and figured I’d just wait for the foreclosure notice.
But then my hope was restored! It was during a meeting at the unemployment office that I learned about Nevada Hardest Hit Fund®. I applied for the Mortgage Assistance Program and received help making my payments. During that time, I was fortunate to find a good job, but I was still $14,000 behind on my payments. I applied for, and received, the Reinstatement assistance, bringing my mortgage current for the first time in almost 3 years! I can’t tell you how great it feels to call my servicer and hear the recording say, “Your last payment in the amount of $14,792.97 was received on . . . !!!” Thank you, thank you, thank you!