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Kona Sam

My name is Kona Sam. I am a single mother with three children and I’m originally from Sierra Leone, West Africa.

Like many families in Prince William County, I have been fighting to save my home for years.  I have sent so much paperwork than I can’t even remember it all.  Finally, I am excited to tell you a happy story because I got my last foreclosure notice from Bank of America.

This spring, I received a notice saying Bank of America was going to sell my house.  I sprang to me feet, got in my car and I drove to Legal Services of Northern Virginia.  There I met Meghan Schneider, a lawyer.

Meghan and I applied for a temporary loan modification together and the foreclosure was cancelled as long as I kept up the payments.

But three months later, after paying on time, I got news I never expected. 

I got a permanent modification AND I got principal reduction.  Under the National Mortgage Settlement, Bank of America forgave $260,000 of my principal and late fees.  My interest rate went from 8.9% to 2.4%.  My monthly payments went from $2,900 to $1,223 per month.

I could not believe my eyes.  I jumped up.  I screamed.  And then I called Meghan immediately.  And one day later I drove to her office!

Until I worked with Meghan, I was like many families.  I felt hopeless.  I did not know where to turn.  But she – and housing counselors like her – help families keep fighting.  They help families find hope and faith to keep working.

To VOICE – I thank all of you.  Thank you for fighting for housing counselors.  Thank you for fighting for more principal reduction.   And we need to keep fighting.  There are more families who are struggling like me.  So we all need courage and faith to keep working.

To Bank of America, I thank you!  I am so happy for the actions you have taken to help me and others after all these years.

And to Meghan, I cannot find the words to thank you.  You saved my home.  You saved my family.    Thank you!