4.6 • 682 Ratings
🗓️ 16 January 2023
⏱️ 11 minutes
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0:00.0 | This is the Ramsey Call of the Day, part of the Ramsey Network. |
0:10.8 | James is in Huntsville. |
0:12.1 | Hi, James. |
0:12.7 | Welcome to the Ramsey Show. |
0:14.1 | Hey, thank you for taking my call. |
0:15.4 | Sure. |
0:15.7 | How can we help? |
0:16.6 | Hey, so I'm 23, and I have actually purchased a house the beginning of this year. |
0:22.4 | My issue now is I am at risk of a foreclosure on my house. |
0:28.3 | This kind of needed some guidance. |
0:30.2 | I'm kind of new to your plan and seeing what maybe I can do to help myself out. |
0:35.8 | How many payments behind are you? |
0:37.9 | I am four payments behind. |
0:39.7 | Okay. |
0:40.0 | What kind of loan? |
0:40.8 | FHA VA or conventional? |
0:43.1 | It is a FHA. |
0:45.0 | Okay. |
0:46.7 | Why are you behind? |
0:48.7 | So I work in healthcare and I've actually had COVID three times within the last, in the last six months, |
0:56.0 | as well as some family things that kind of got me behind on work. |
1:00.8 | I work 24-hour shifts, so if I miss one shift, I miss almost half of my check. |
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