Hi my name is Kirsten I am a single mother. I had recently moved in with a guy I was dating. Things were going good until recently but now he wants me to move out. School just started and I want to keep my son going to the same school because he is doing really good there and they seem to be able to handle his AD/HD and disruptive behavior disorder and aggression really well. I found a place to buy and I have someone that can cosign for me I just need help coming up with the down payment on a trailor.The bank wants like 1800 for a down payment. I really hate asking for help i would rather struggle then ask for help but i am thinking about my son now. I can come up with most of it but not all of it. If there is any one that can help it would be really great.

To the attention of:

Barack Obama, US President;
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I'm a single mother of two children, we live in an area not healthy for our lives.  So I was looking into moving to a safer area where our lives would be better.  I found the place, Brunswick, ME, the first thing I try to do is find a job, and a house to rent, I found a job, was unable to find an apt., or house to rent that I could afford.  I started looking at houses to buy, and I can pay the montly mortgage of a house in Brunswick, but I don't have the money to put down or pay for all the other cost, like closings, and the inspection.  Because I couldn't find a place to live I lost the job offer, but I know I can get a job, I just need financial help for the house, I get some money from my children's father, but it's not enough.  Once I get settled in the house I would love to have, and get one of the jobs I applied for, I could start to paid back on the money that I need to get the house.  I will sign a contract to pay the person that helps us.  Please give my children and I a chance to make our lives better, I'm a hard worker, and I will keep my word, I really need your help, please help us.  Sincerely, Tracey

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Post Open Letter to your Elected Representatives

I have a friend that has two children. They are living in a shelter right now. We went apartment searching over the weekend and found one that is relatively nice. The people are asking for first, last, and a deposit. That comes to $1650 in order for her to move in. Is there some type of social service agency out there that will help her with getting some of the money. She lives in IL by the way.

You can take the amount of the down payment, and buy your own home, if you are willing to relocate.

I am a single mother of 2 boys and trying to purchase a home.  Tired of throwing money away on rent.  I work a full time job and looking for a grant that will atleast help with my down payment. Can anyonw point me in the right direction.

Thanks

This post is for those persons seeking help with a down payment on a new home that suffer a disability.  I did some research and came up with this:

1.  Go to PHFA Special Programs for Persons with Disabilities.  This particular site is overflowing with information on how to go about getting assistance in your state for the purchase of a new home if you are disabled.

2.  Check out US Home loans for Americans with Disabilities at:

www.disabled-world.com/disability/finance/american-home-loans.php  This is yet again a very informative site breaking it down state by state on how you can obtain assistance for first time home ownership if you are currently disable.

I don't have much information but I figure something is better than nothing and it's a starting point if nothing else.  I know what it's like guys, like yourselves I too am disabled and seeking home ownership.  Never give up because we deserve to have a better quality of life too.  If I find out anything else I will be sure to post in this forum but until next time, happy house hunting.

Many years ago, I wanted a home or a house. Because after living in apartment for more than 10 years, I thought to myself it time to move on. Rent was going up and I did not want to pay a high price for an apartment. I thought to myself, if I’m going to pay that price. I might as well put it into a house.

But my problem at the time, I had no money. I could barely pay the rent, and bills that I kept getting stacks of. But I told myself, there has to be a way. There has to be away of paying for house or getting one. I’m sure that I’m not the only person with this problem. There has to be away.

I’m a research kind of guy, so I thought that I would put that talent to work for myself. So I did, and I found away. I knew it and it could work. I didn’t think that everyone knew this and I’m sure that no bank or credit union will tell you this. But yes you can get into a home with putting money down. No, you don’t have to give up first-born or they do not remove one of your legs but there is away.

This is what I found out and a lot of people do it. It’s also easy. First you must be in a paying job for 2 years. Then you must come up with an application fee and then you have to come up with an inspection fee, that it, that all.

I’m sure you are thinking now, there has to be a catch to this or someone is going to come and get you with something but that it. Bankers, credit union & Mortgage Companies have known this secrete for years. They just don’t tell anyone. Remember that those people are in the business of making quick money and they do that by you paying your fees and also putting your money in their accounts. I know that, I used to work in a bank for 5 years. But that is it.

1. You have to show that you can be employed for more than 2 years. By you showing that you have steady work, that means to the any mortgage agency that you a lower risk to let you borrow so much money. The job shows also that you have some type of money following in your pocket. It’s showed the lender that you can be trusted.
2. The application fee, if you can come up with that money. That money goes in order for them to do some type of research on you and see if you are really saying who you are. They search everything and it painless. So nothing to worry about. Now, application fees can be from $100.00 to $500.00. Depending on the company you go to. You can pickup the application now and when you come up with the money, and then you turn in the money and the application all at once. This process can take from 5 day to 10 days.
3.  Inspection fee, this will depend on which part of the country you live in. The inspection fee is for someone to look at the condition of the home before you move in. Like that you will be told, if there is going to be some type of problem with in the future or are you willing to deal with the problems that you might have. It for your safety and for good reason. You don’t want to move into a home that major plumbing have to happen. Unless you are a plumber by trade. This might be a fun thing for you.

Banker, Credit Unions, Mortgage companies keep telling you that you have to have a percentage down, they are right but that percentage is closing fee, taxes, and legal fee, also their fee. All that money goes to them and you still have to pay the full price of the house. There is where the no money comes in the percentage of a down payment. What they will do is sometime they will pay for it or the seller of the house will pay for it. But it will not come out of your pocket. You are making them pay for it. If they say no, then you go to the next company and the next house. 

When I bought my house, I didn’t have a dime on me to spare. But I did want a home. So I searched for a mortgage company and found one and I asked them, what is it going to take for me to get a home? They asked, how long have you been with your job? I said 6 years. Then they asked me, can you come up with $350.00 for an application fee. I said not now but I can get that money together, just to give me some time. They said sure, they told me, whenever I was ready.

I took the application, went and sold an old sofa and dining room table that I wanted to get rid of. That totaled $300.00 dollars. Then on payday and I took $50.00 bucks out of my paycheck. I knew I was going to spend it anyway on going out to dine and a movie. Took my $350.00 dollars and application back to them. This took me about three weeks to collect and turned it in.

10 days later, I got a phone call that I got approve for a $120,000.00 loan from a mortgage company. I could not believe it. I was shocked. I smiled for days. Then I took my letter, which they fed-ex to me and took it to a real estate agent they I felt that I could trust. The letter is to tell the real estate agent that you have money ready to be spent on a house. And we started shopping for a home. After looking at 15 houses, I finally made a decision to choose the one I moved into.

When I found a house that I could live in. At that time, I had to come up with the inspection fee. That was $200.00; they waited for me until I could come up with it. It took me a week. I waited till payday for that money. Once I got paid, I went to the mortgage company and told them I had the money. They booked an inspector that they work with. I was also told that I could go on my own. It was up to me. So I chose the mortgage inspector, it was easier and quicker. That’s it.

I sure lots of you are saying, well I have bad credit or my credit is not good. When it comes to a house, your credit rating is checked and that is how a lender will see what kind of interest rate that they are going to charge you for the life of your mortgage. The better your credit rating the lower the interest rate, the worse your credit rate is. The higher the interest rate you will be charge. That is why they are telling you to improve your credit rating, get it better. Work on it.

I learned a lot of things during this process. One of the biggest lessons that I learned was, don’t fear of not getting a house. Go for it, if you are rejected once; ask them what will it take to get a house. What do you as the future homeowner has to do to get one. Work and listen to what they are telling you. If your not happy with them or they are not on your side. Go to someone else; keep looking until you are happy with the outcome. Don’t give up. You can do it. 

My final message in this story, we live in a society that can give you things. You just have to go after it to get it. We are built on working hard and understanding different concept and trying to find out what can really happen to us. It’s all on how you handle things and what you need to do, in order for you to win. You can do it. I did it and it was so easy that I thought to myself. That was too easy. Something has to go wrong. Here I am in my home for 5 years and so far, so good.   

Hello,

Im a single mom of 2 wonderful boys. I am currently living in CT and have been struggling to keep a roof over our heads for the last few years. I need to move out of CT soon. I am living in a bad area because it is all i can afford right now. My oldest son is a follower and im worried he will head down the wrong path if i stay here. I have 5 year old also who has a learning disability and needs special education. I have no family or friends in the area to help with childcare and cant afford to send them both while I work. I need to be able to spend more time with my kid before they are all grown up. I cant stand to see them unhappy anymore. I want them to grow up as happy functioning adults and blame myself because I can not be here with them more. My dad lives in PA and we never had a close relationship for whatever reason. My mom and dad were divorced when i was 2 and my father remarried and moved away. We are now trying to repair our relationship. He is helping to find a place for me to move in PA but is disabled and can not help me monetarily. I have found a few places that I am going to look at this weekend. I can buy a nice house out there for about half of what i pay here for rent. I was told today that I would need 3,000 including closing costs to buy a nice home for me and my 2 children. The mortgage payments will not be a problem because I have a support order from their dad who is very helpful to us. He and I are trying to work on our relationship also and he may join us in PA eventually if he can find suitable work out there. I have not been able to save because I was making just enough money to cover the rent and utilities here. I plan to attend community college in PA to finish my degree. I started a few years ago but was bedriddedn when I got pregnant with my son. I had a 4.0 GPA and was on the Presidents list. I will pay back anyone who chooses to help me as soon as I get settled. I will make a payment plan or whatever it takes to pay you back. If anyone here is in the situation to help my family I will appreciate it greatly. I just really want my kids to have a nice house in a safe neighborhood that I can afford. I dont mind working and attending school to better myself. I just need a little help to get me started. Thank you for reading my story and thank you to anyone who decides to help our family I will never forget and will definitely pay it forward as soon as im on my feet.

I am a 24 year old female with a graduate degree in Social Work. I have two jobs working in child welfare and mental health to get by on the basic needs of life. I have always been a hard worker and a good citizen including working 3 jobs to get through college. I am always helping others and trying to improve the child welfare system as well as trying to figure out who I am and what I want in life. I am trying to buy a home and am having little luck b/c I work for a low salary and do not have enough money for a down payment. If I recieve help with a down payment I will pay it forward when I am older to help someone like me- someone who has always done the right thing and worked as hard as possible but doesn't make enough to own a home!

Hello, Below is a link to an organization that helps individuals with modest needs. There are no guarantees and the process may seem slow, but it is a good organization. Also you can browse through my members page to see if any thing there is of interest to you. GOD BLESS
Modest needs

I am looking for the gov't program that gives an individual "Down Payment Assistance" and low income loan for a new manufactured home.

i am in need of assistance in purchasing a home.  i have considerable debt, but the sale of my present home will pay off all that debt.  i am on social security disability, and breaking up with the person i own the home with.  i only get 924.00 a month to live on.  if i could get assistance to help with financing, i would greatly appreciate it.  i am not sure if i qualify for any assistance or not.  in the area i live it is cheaper to buy than to rent.  i only own enough of my present home to pay off my current debts.  therefore i need help with a down payment and financing.  my credit is poor since i ran into debt waiting to be approved for disability. i would be greatful for any help.

I am a 65 year old single female artist on social security of $1,096 a month with a part time job (24 hours a week @$11).  I live in the mountains at 5,500 ft elevation and am currently paying $825 a month rent plus

I would like to buy my dream house.