WAH in MLC with PA

[DiamondGirl]

An update...

Talked to a real estate friend of ours about the sitch and explored the possibility of either my qualifying for a mortgage on my own to keep the house (he says maybe) or finding someone to buy my house with the condition that I rent to own or have a purchase option at the end of the lease term.

He gave me the number for his mortgage broker (who he said can work miracles sometimes) and the person he knows who deals with rent to own purchasing is going to call me as he didn't have his number with him. He cautioned me that the rent to own programs are set up so the renter loses because it is difficult for most people to save enough by the end of the term to fulfill it. I told him that if I have an amount and a deadline, I always do my best to hit the target.

The last option I've determined I have is to walk away from the house without making any more payments on the mortgage as my mom's name is replaced by the company and H isn't paying anything. (I was advised this by a financial advisor who said that I'd be throwing money away if I'm going to lose the house anyway...so she said let the lawyers fight out who gets what) Instead, I'd use the money to set up my kids, mom and self in a rental home for now. (one with a jacuzzi tub.... after all this shizz I need it!)

So to date I have:

~ applied for a mortgage all by my lonesome and have an appointment with the broker on Monday to discuss it

~ Ended the term life insurance (no cashout value) to reduce my monthly bills by $120 for the application and my wallet (it was a joint plan that I was unable to remove H from.. details of his response to my letting him know follows..)

~ started scoping out homes for rent in the area around my kids' school to minimize the upheaval should it come to that

I'm proud that I have not involved H or his family in any of this... if he wants to know what is going on with the house, he is more than capable/welcome to call the mortgage company himself as he knows renewal is in August... I have decided I will let him know what *I* decide to do after I have all the info and thought things through...

As for the life insurance.. because I know my income is rather on the lower end of the threshold they look for, I figured my only strategy would be to show the minimal amount of liabilities per month to show I can afford it...
Unfortunately, they cannot use anything my mom would contribute monthly as income.. So the only "extra" thing on my expenses was the life insurance which was term which means it only covers the month prepaid for... Since I couldn't take H's name off it, I thought it best to cancel it for now and once things get settled as to where I'll be living, I can restart one under my name only..

So I texted H a brief (and I mean brief!) message stating that I have notified the insurance company to wind down the policy to end it and that there was no cashout value to it.

So he emails me "Go Fluck yourself.. no more talking to u.. see you in court" last night...
This morning I get "my earlier response was sent impulsively when i was informed that our childrens care and well being had been comprimised by your actions I found it very upsetting.. i take serious the need to have them cared for in the event of my death.. thank you for bringing this to my attention i will pick up the revised policy from you the next time i pick up the kids" (sounds dictated to me but the spelling and case are all his)

He then says he will be closing out his email account and to call him at sisters'# instead..

I sent him back a brief email explaining the difference between term and permanent and telling him he is welcome to obtain his own policy with the kids as benef. and I planned on doing the same once I could afford to. And I asked for an alternative email address to communicate to him with...

Hoping that something works out because I really don't want to have to handle a move on top of everything this year..