
Anybody got a second for a quick story? First off, I don't believe I need to tell anyone how these are some pretty tough times economically speaking. As I drive down the streets of Los Angeles and surrounding communities I see countless buildings that once occupied business that employed Angelino's no longer open. One can daily find articles on major corporations failing to meet their projected financial goals and shareholder value in on the decline.
I like many of my fellow Americans have began to succumb to the constant pressure of the continually rising cost of fuel, groceries, clothing, home and auto repair to just name a few of those life essentials that often burden and create hardships in our personal worlds. I began tightening our financial belt over two years ago and have come to the last of the holes. I have no debt other that a big box home improvement retailer credit card I use for maintaining our home, my biggest opportunity is the "American Dream" that very home we maintain. Listen, we all have to live somewhere and you can't live for free, RENT or MORTGAGE is a necessary evil, that being the case and the decline in the value of homes and the banks becoming much more cautious in how they invest their monies after the government bailouts and have shut the doors on many of us homeowners that have continued to fulfill our end of the 20 page contracts that outlined the terms and agreements of repayment.
In an effort to forecast my families financial future and attempting to deal with negative cash flow at the end of each month, I have been placed in a position that requires I take immediate action, I trust completely in God and known that HE is in control, however I believe that I also have a human responsibility to get out and attempt to utilize that God given empowerment by way of Holy Spirit given direction and utilize any and all resources placed in my path. I have tried for the last year and a half to refinance with various lenders, even reaching out to the bank that currently holds my mortgage, with no prevail. I was one of those Americans that had continued to place their financial responsibilities as a priority and do whatever it took to meet my obligations, that very consistency in being fiscally sound failed to portray the needed hardship for many lenders to assist me.
Many have said "just walk away", short sale, bankruptcy.... I signed on the dotted line, and I don't believe God placed me here to fail! In faith as a family we continue to persevere, going as far as growing vegetables in the back yard to off set the grocery bill, knowing that this trial is only to refine us for HIS Glory.
The Light at the end of the tunnel: NACA - Neighborhood Assistance Corporation of America
By way of my local house of worship an e-mail went out informing us of this organization that assist homeowners by being an advocate on the homeowners behalf with the Financial Institutions. No Way! really? Absolutely! NACA would be in town for 4 days helping homeowners restructure their mortgages. This is the Human Responsibility part, I would have to go and stand in line with thousands of other homeowners in an effort to gain access to this event and quite possibly get in front of a representative from my, yes my financial institution.
Sometimes, you have to put work in, regardless of the results and not knowing what to expect I set out on an inner city urban adventure! My day began at 5am in the morning in line by 6:45am.
The Blessing: What took many of my fellow homeowners months to complete, I completed in one day, by 11:45am I was sitting in front of my financial institution representative! By 4:30pm I was complete, pending a bank funded appraisal of my property. I now await a response as to what, when and how they will assist me.
I am blown away at the Sovereignty of God and how HE desires to meet us in every aspect of our lives by way of the in dwelling Spirit who gives us accordingly to meet the needs of the day!
Now I am not certain that I will receive help from the bank, but I am certain that I have already received much undeserved Grace from my Father in Heaven!
A Special Thank You to all the NACA Family! WOW! Your Impact is HUGE!
I will keep you posted! Be Blessed!