I did’nt even know God could type!!

20 05 2008

Photo courtesy of pbrian49

So check this out… We just got a letter in our mailbox this evening from God. Yeah the letterhead says it came from our mortgage company, but God devised, typed and mailed it out to us. (Hmm does God use stamps? lol)

To make a long LONG story short we had an on-going issue with our mortgage company. They had wrongfully imposed insurance coverage on our condo unit, which caused our mortgage payment to go up by nearly $200 each month. The reason we knew this was wrong was because my wife used to work as a loan officer. The type of loan they were trying to force on us was not required by law because we owned a condo versus owning a single-family house.

The truly amazing part is that if my wife had not been aware of our rights in this situation, we would’ve been swindled out of an extra $200 each and every month! This really makes me wonder about others who have no idea what their rights are when dealing with corporations and companies that throw around intimidating verbage and clauses on their forms.

We had told them that they would not receive a penny more from us than we had already been paying no matter what the statements said. I’ll be honest, it took great faith for us to say that to them. But we came to a point where we were not willing to be moved on the issue. And we knew that God was on our side. There was no way we could afford what they were demanding and that was that. And what’s more they were demanding something of us that they had no right to demand.

Ok so i said i would keep a long story short, but if you’ve read ANY of my posts you’ll know I just cant do that lol. So let me add some background. In order for us to prove to them that we did not have to purchase the policy they demanded, they wanted US to provide proof of our condo association’s insurance coverage for the unit. Our condo association assesses a $250 fee for requesting this information… Wait I’m not sure your following me so I’ll put it another way: the mortgage company wanted us to pay to prove that we don’t need insurance on their property, and the penalty for NOT doing so would be that they would FORCE a policy of their choosing onto our loan and make us pay anyway!

That’s practically like the bank you secured your auto loan thru telling you that they need you to buy Supreme-grade gas from a specific gas station even though your owner’s manual says that only Mid-grade is required for your vehicle! And if you refuse, then they will fill your gas tank with Supreme in the middle of the night and simply add the cost to your loan each and every month lol. How absurd would that be?! Could you imagine walking up to your car and seeing a receipt sticking out from under your windshield wiper?! It’s a crazy visual, I know, but I think you see my point.

Now to be “fair” lets look at this from the mortgage company’s perspective. Until we pay off the mortgage in full, THEY still OWN our house. So any insurance purchased only protects THEIR investment! But wait, if they were so concerned about insuring THEIR investment against any type of damage or loss, why would they use us as a middle-man to achieve that? Because just like many other clauses and mortgage company policies, it’s assumed that just because they said it or put it in writing, it must be lawful and the homeowner simply MUST be obligated to do it. This type of thing is done on a daily basis to millions of homeowners across the nation. And nine times out of ten the homeowner complies with the demand because they have no idea what their rights are within the situation.

So anyway enough of that, lets get back to the letter from God. Back in March we get an official looking letter from our mortgage company saying that effective April 1st our payment would be inflated by $200, which started this whole long drawn out dispute. So then another identical letter arrives yesterday in the mail from our mortgage company saying that effective April 1st our payment amount would be reset again… But the catch is that this “new” payment amount is now $50 lower than our ORIGINAL payment! The only difference between the 2 documents was the new payment amount and the date the letters were issued. Ok, so no it’s not a huge amount, but we had specifically been praying that God would relieve the situation somehow… And he did! And not only that the letter came just days after my last blog post about the cost of gas and all of the miscellaneous expenses that seem to be hitting us this month. And on top of that, we had basically expected God to only keep us at our original payment amount in the first place… we never even thought for a moment that it would decrease! We were only expecting fairness in the situation, but God wanted to show favor!

What a blessing it is to be able to see God’s hand in times of blessing, trial and even uncertainty. By answering our prayer about the bogus insurance, He also freed up some extra loot for gas JUST as we as we had prayed as well! He’s always looking out for us!

Ephesians 3:20,21 says it this way:

Now unto him that is able to do exceeding abundantly above all that we ask or think, according to the power that worketh in us, 21 Unto him be glory in the church by Christ Jesus throughout all ages, world without end. Amen.

Thank you Jesus!





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