i need some help for home repairs - i am literally looking underneath the house in the bathroom! i was told that the joists underneath the bathroom are rotted and need to be replaced.  Of course, my homeowners insurance does not cover it...so i am really stuck. me and my granddaughter are staying with my sister and our mother in their apartment. i work at a call center so i don't make anywhere near the money necesary for this repair. i barely managed to hold on to the house last year but i did! i would appreciate any help i can get!! this is the first time i have ever tried this - actually, i never heard of this website before - i found it by accident surfing on google for loans. i tell you, this would be a real miracle to me if someone could help me.