Cruz, 26, and her brother David, 20, traveled to Pittsburgh today to meet with the bank and ask them to help the family get back into their home. The Cruzes say an online banking glitch on PNC’s end caused them to miss an automatic monthly mortgage payment. After the payment was missed, they say, the bank assessed nearly an additional month’s mortgage in fees, which the family could not pay. During the foreclosure process, a third-party nonprofit in Minneapolis got involved to help, but did not deliver the proper paperwork to the bank nor communicate with the family. The Cruzes subsequently lost their home to Freddie Mac, who now owns the property.
Since then, the Cruzes have been supported by Occupy Homes Minnesota, and a fierce battle has been underway for the home at 404 Cedar Ave. Signs of that struggle traveled to Pittsburgh today, including the broken door of the home that sheriff’s deputies kicked in during a raid at 4 a.m. May 25.
“My family has never asked for anything for free,” Alejandra said, noting her family has lived in the home for seven years. “We can pay the mortgage.”
This happened in Minneapolis, but I’m always reading about this kind of nonsense happening in PA too.
Most people aren’t jerks. They can usually pay something – in this case, Cruz can afford her monthly mortgage payment – and they want to work with the bank so they can stay in their homes. A mortgage mediation, such as PA’s HEMAP program specializes in, would fix a situation like this by bringing Cruz and PNC to the table, and figuring out an agreement where she can stay in the home and resume her monthly payments. Some people don’t want to make a good faith effort to pay their mortgages, but I think most do, and they deserve a chance to negotiate payments they can afford with their creditors.