Behind on your mortgage, no equity, not enough income, etc.  Call Hope 
Now 888-995-HOPE.  One of the counselors they refer you to may have 
more options than I do.

Over 62, you can get a reverse mortgage for repairs and credit won't 
matter.  Equity is needed, but credit is not.  

Sorry, I made such a messy post.  I learned that hitting my arrow keys 
on Yahoo is the same as hitting send.


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