I am a 54 yr old disabled mom of two daughters, 12 and 13. I had my spouse removed from the family house due to physical and emotional abuse. Served him with a restraining order for a year. I do not want anymore drama!! My girls and I are waiting for Bank of America to modify our loan, but now with my spouse gone, it will have to be very low. I know a HUD home will accept only 30% of your income as mortgage pmt. Has anyone done this? Should I call B of A and "let the cat out of the bag", letting them know my husband is gone? Or will that just be a wake up call for them, and they will kick me out?
