I’m a single mother, I was so excited to purchase my first home I have writing down my wish list for years finally worked on my credit and my mother diagnosed with Cancer and in the mist of it all took a lot of my savings still excited my mother passed away on my closing date, buried her the day after and I feel I went blank because I wanted a mortgage that was a certain amount and with limited knowledge, fear, student loan debt and all sorts of things I find myself at the chopping block wanting this home so bad and I got it but the mortgage payments are higher than i wanted im working on ways to save but I don’t want to loose what I worked so hard for and it’s almost like my mothers dream for me. It’s almost hurtful and shameful that people push credit repair they should also speak on aLL the other things that comes along with owning your home. I look around my home and it’s everything I want right now I want to refinance to lower my payments but the late payments will hurt me, just overwhelmed