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"I got a call from my bank yesterday, regarding my mortgage. Uh-oh. They left a message, and my stomach tied in a knot. I&amp;#039;m making payments, but I did make a few late payments in a row, unfortunately. It&amp;#039;s never been more than a week or two late, but they add nearly $100 in fees every time that happens, so I have a healthy accumulation of unpaid late fees that I&amp;#039;m slowly chipping away at. Were they going to demand payment? Talk foreclosure? Add another penalty on top of the late fees? I took a deep breath, and dialed the phone. It turns out, they have a brand new refinancing program that I may qualify for. I&amp;#039;ve tried for months to refinance this house, but I keep getting doors slammed in my face. The problem is, we did a re-fi at the top of the market when our business went under, and used the extra equity to pay off the business loan. Now the market has dropped, comparables have dropped, and I am $40k under water on this mortgage. No bank would refinance under those circumstances. Mine however, just might with this new program. And in order to qualify, you had to have made some late payments, but not be too far behind. It seems my misfortune has payed off for me in some strange ways. I never would have been able to refinance my house if my payments weren&amp;#039;t late. And I never would have started writing professionally if my husband hadn&amp;#039;t left and a very good friend encouraged me to try for a job as a divorce blogger. I just got word a few weeks ago that a story I wrote is going to be in print in the very near future, and I wouldn&amp;#039;t have had the guts to submit the story if I hadn&amp;#039;t found people here at Woman&amp;#039;s Day who believed in me. It just goes to show you, that you never know how your life is going to turn, and even the bad turns can lead to wonderful surprises in the middle of the road! "^^<http://www.w3.org/2001/XMLSchema#string>
<http://www.womansday.com/relationships/dating-marriage/a43198/the-silver-lining-1717/>