Hi my name is Paula Carter . I closed on my first home in February 2018. Shortly after moving in I was made aware of a water leak. I was not prepared for. The leak cost me $3000. I became behind on my mortgage. After just been in my home a year, my mortgage company started foreclosure proceeding. After submitting the necessary paperwork to come out foreclosure. I have entered in a repayment program. I am back on track. The one month payment will really be of great help. Thanks for taking the time out to hear my story.