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None. We have resided in our current home since XX/XX/XXXX after securing a mortgage. Due to many financial struggles, the mortgage we secured had a XXXX % interest rate which made our monthly payment approximately {$3100.00}, an amount that was not easy to maintain. Soon after moving in, I made it a priority to put us on a budget that would allow me to fix our credit, which was flawed due to many medical debts, and build our credit scores to a better place that would allow a refinance at a lower interest rate. When the covid-19 pandemic hit, we were able to maintain our budget for several months and fortunately stay afloat, a blessing so many others did not have. However, my sons XXXX XXXX began to falter and his need for XXXX care increased, causing us to increase his doctor visits wh