My home has been foreclosed on and is set for auction on XX/XX/XXXX at XXXX. I have not been able to obtain a loan modification nor a short sale approval. 
I am an older gentleman, XXXX years old. I lost my job in construction after the real estate market crash XX/XX/XXXX and soon was unable to make my mortgage payments. Since then, my wife and I have encountered several health crises. She has had to have XXXX and I had a XXXX XXXX and XXXX. All the while, we have also had to provide for my ailing XXXX year-old mother-in-law who is under our full-time care. 
Luckily, I was able to get another job XXXX this year. I am now healthier and gainfully employed. 
My home is now set for auction XX/XX/XXXX at XXXX. 
