Our LiveAble program provides counseling for first-time homebuyers, individuals seeking to rebuild their credit, and current homeowners facing foreclosure and homelessness. Our LiveAble team does this through workshops, participating in resource fairs for those facing foreclosure, and meeting with clients individually to provide one on one support.
Seeing desperate homeowners in our office each day and hearing them tell their stories outside my office makes it easy to see the good our team is doing. However, it isn’t always as easy for me to understand what our team actually does to save these homes. In the month I’ve been working here, I’ve realized my heart has fully grasped the emotions and heartache of this but my brain hasn’t fully understood the process leading up to it.
Recently, I spent some time with our housing counselors to try to better understand the foreclosure process and where they enter to help save homes. I realized, “Gosh, everyone should have the opportunity to know this.”
This is what they said:
At Able Works, the clients we serve are applying for a loan modification as a result of being in danger of losing their homes and sometimes facing homelessness. (Modifying their loan allows them to more successfully make the payments.)
After our housing counselors submit a full financial package (which can be a very tedious and detail specific process), the client’s lender will review the information and send it to the underwriter. At this point, the underwriter decides whether or not the client is approved to move forward with a modification. If the modification is approved, the lender will typically send the homeowner a trial payment plan lasting three months. During this time the homeowner is responsible for making all payments on time. Once the payment plan is over, the file will return to the underwriter and the modification will likely be finalized – allowing our client, the homeowner, to remain in their home.
Due to the bureaucratic and confusing nature of the banking system, the loan modification process is one that can take up to several months, sometimes even over a year. During this time, our counselors are providing as much emotional support as they are financial counseling to these families.
It is amazing to me that these counselors can be working with clients for a long time and the subject matter is certainly not easy to handle. They are fighting for these homes alongside the homeowners and providing hope without judgment. I get emotional just writing about this and our team does it every single day.
I hope, like me, you were able to gain some perspective on the foreclosure process as well as understand the great work our LiveAble team is doing on a daily basis. They are truly saving families from homelessness and the emotional impact that causes.
Growing up I was a part of the high school marching band. Every Friday night during the football games, we would play the school fight song and march during the half time show. The marching band rallied the community in showing our support and pride in the team. Despite the fact that during my four years of high school our football team won onlya handful of games, we continued to show up every Friday and support them.
By my senior year, it was clear we weren’t going to be State Champions, but the marching band still showed up to support the team. Part of that was because it was required for band students, but I like to think it was because we believed the best in our team and hoped for their success.
The principle of believing in one’s best has remained with me. I love to believe the best in people and get excited about organizations striving to do the same. This is what initially drew me to Able Works.
Able Works strives to equip individuals to fulfill their greatest human potential. As an organization, we seek to help people be free from poverty and oppression. We provide them with life skills and assets, including someone believing for their best. It would be easy to believe that my job, similar to supporting a losing football team, is a requirement. But Able Works continues to hope for people’s success and truly believes in the individuals they are helping.
It isn’t just a job when you work at Able Works. You work here because you believe in it and want to be a part of making your community and the people in it better. And in doing so you believe with your heart and soul in the individuals you are helping. I work here for these same reasons. I want to continue to believe the best in people like we believed in my high school football team. I want to hope for their success.