Will my bank accept my harship?

My Granddaughter and my nephew live with me and usually help me pay the utility bills. They both lost their income and now I have to cover all bills. Is this a hardship that I can add to my morgage hardship application? Or does this not apply because I wasn't the actual person who lost the job?

7 Answers

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  • TedEx
    Lv 7
    1 month ago

    The bank will tell you to get in touch your utilities. The utilities do have programs  to help those who get into a financial bind

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  • Anonymous
    1 month ago

    I’m sure it’s a hardship for you. But NO, it’s not something you can claim since they are not your dependents, nor do you have a lease requiring them to pay those bills.

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  • Anonymous
    1 month ago

    Its ok to ask..............

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  • 1 month ago

    You'd have to ask the bank, but if you qualified for you loan by yourself, whether or not anyone else in the house has come won't make a difference.  If your granddaughter and nephew are adults who were working full-time, they should be getting unemployment benefits that can contribute to your financial situation. 

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  • 1 month ago

    Honestly, I wouldn't get into it with the bank, if you didn't personally experience a lose of income.

    = blaming it on roommates who help pay the bills, means that if they decide to move out, you are screwed. 

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  • 1 month ago

    No one here knows.

    It is up to the bank.

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  • Anonymous
    1 month ago

    What have you got to lose by asking?

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