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User Topic: mortgage ins due, but i'm broke. what 2 do? Help!
homewrecked2011
♀ Member
Member # 34678
Default  Posted: 3:41 AM, October 22nd (Tuesday), 2013View ProfileEdit MessagePrivate MessageHomepage

To be able to afford my house payments, I cancelled the escrow. I am prepared to pay my taxes and ins in Jan because that is when I thought they were due!!!

I just found out the homeowners ins is due OCT 31!!!! If I call the mort company will they pay it and allow me to go back to paying escrow w my payments afterward, or are they going to tell me tough luck.

I am panicking because my divorce decree states I have to maintain payments, taxes and ins on the home.

Has this happened to anyone?

Thank you

[This message edited by homewrecked2011 at 3:42 AM, October 22nd (Tuesday)]


me BS 52
him - 46
married 15 years DIVORCED 10 31 12
children - ds15 ds12
d-day 12-19-11
I gave a 24hour ultimatum then went to attorney next day
Divorce filed

Posts: 2217 | Registered: Jan 2012
wifehad5
♂ Moderator
Member # 15162
Default  Posted: 5:52 AM, October 22nd (Tuesday), 2013View ProfileEdit MessagePrivate MessageHomepage

Call your insurance agent and see if you can switch to making monthly/quarterly/2 times a year payments?


FBH - 42
FWW - 43 (BrokenRoad)
2 kids 7&12

The people you do your life with shape the life you live


Posts: 37421 | Registered: Jun 2007 | From: Michigan
soulsearcher4
♂ Member
Member # 29540
Default  Posted: 10:47 AM, October 22nd (Tuesday), 2013View ProfileEdit MessagePrivate MessageHomepage

You should be able to re-open escrow for the insurance, however I don't think you'll save anything since it's due now. An escrow account at it's lowest point has to have two monthly payments in it. Since it's due now, you'll have to pay the insurance plus an additional 2/12 if that makes any sense at all.

Usually insurance companies have payment options, monthly etc. You can do that until January, pay everything, then look at re-opening the escrow account.


Me: BS
Her: WS

Divorced.

Remarried to a supremely wonderful person!


Posts: 174 | Registered: Sep 2010 | From: So.Cal.
Nature_Girl
♀ Member
Member # 32554
Default  Posted: 10:58 AM, October 22nd (Tuesday), 2013View ProfileEdit MessagePrivate MessageHomepage

My ins agent has been a wonderful help during this process. He's been completely understanding and has worked with me to lower my payments (don't need as much ins since STBX isn't in the house) and put me on a payment plan.


Me = BS (Stay-at-home-mom)
Him = EX-d out (abusive troglodyte NPD SA)
3 tween-aged kids
Together 20 years
D-Day: Memorial Weekend 2011
2013 - I DIVORCED HIM, I'M FREE!
http://www.youtube.com/watch?v=RBOJpIwF47Y

Posts: 9830 | Registered: Jun 2011 | From: USA
purplejacket4
♀ Member
Member # 34262
Default  Posted: 6:43 PM, October 22nd (Tuesday), 2013View ProfileEdit MessagePrivate MessageHomepage

You might also look for a more affordable plan with a higher deductible.


Me: BS 45
Her: fWS 48 (same sex partner)
Together: 18 years now (both MDs)
OW: meh so what 40s PhD
DD1: 10/30/11EA; DD2: 11/10/11 Had ONS; TT until 12/26/11; broke NC 6/12; NC again 7/12; R-ish

Posts: 2247 | Registered: Dec 2011 | From: Great Southwest
homewrecked2011
♀ Member
Member # 34678
Default  Posted: 9:19 PM, October 22nd (Tuesday), 2013View ProfileEdit MessagePrivate MessageHomepage

Thank y'all!!! I never thought about monthly homeowners ins payments . Ill call tomorrow .


me BS 52
him - 46
married 15 years DIVORCED 10 31 12
children - ds15 ds12
d-day 12-19-11
I gave a 24hour ultimatum then went to attorney next day
Divorce filed

Posts: 2217 | Registered: Jan 2012
timeforchange
♀ Member
Member # 27454
Default  Posted: 11:54 PM, October 23rd (Wednesday), 2013View ProfileEdit MessagePrivate MessageHomepage

My insurance company offers a one in all policy - house, car, accident etc.

If you sign up you receive a 10% discount and pay on a monthly basis.

That has been a God send.

I am in Europe so there is no point in me sharing the company name
But call around... You may be surprised at the deals you can get


Me = BS aged 43
2 boys, 13 and 9
DDay 1/19/10
Confronted him 2/16/10
Finally Divorced 8/29/12

“We must let go of the life we have planned, so as to accept the one that is waiting for us.”


Posts: 726 | Registered: Feb 2010 | From: Expats in Europe
Topic Posts: 7

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