We have a FHA loan on our house. The bank foreclosed on us. We have bad credit. How can we save our farm?

We had hard times and fell behind. The bank told us they couldnt accept two months payment, that they wanted the full amount of what we were behind. So that hurt us even more trying to come up with the rest. Other bills pilled up and it made it harder to catch up. Our farm is going up for auction on the 20th of Dec. The people we have talked to only want to buy our farm, not help us save it. Can anyone please help!? How can we get $10 thousand with bad credit. Thats what it will take to save our farm. I tryed family members. They cant help. We cant sell our horses they were adopted. I hope theres a way to help. I just need the right advice. The FHA loan is a goverment loan. Does anyone know if theres any way that could help us? Please help me save our farm? DesperateWe have a FHA loan on our house. The bank foreclosed on us. We have bad credit. How can we save our farm?
You stated the bank wouldn't take 2months worth of payments, and wanted the full amount. I am assuming then you are at least 3 months behind, which means you ';defaulted'; on your loan. Unfortuantely at this point there is not much you can do. The time to look for another loan or reworking the debt would have been after the first late payment, or possibly the second. After three late payments the ball is in the hands of the lender.

After defaulting, the lender typically petitions the court to auction off the property. If you have not already, you should receive a notice of the auction soon.

If no one makes the mimium bid at the auction, then the lender repossosses it. The highest bidder above the minimum is the new owner. Either which case, the new owner returns to court to start the eviction process.We have a FHA loan on our house. The bank foreclosed on us. We have bad credit. How can we save our farm?
Take in renters/tenants. Take in other horses/boarding. Your house is the roof over your head, let the phone and cable get shut off. Let the insurance lapse, keep the roof. Relook at your priorities. Don't look at it as a loss, maybe another door is opening in your life elsewhere. Money is not what the world is about. Some suggestions.

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