Hi, I am indescribably saddened to be writing this plea for help. Our family has found ourselves in a devastating situation. We signed a contract with owners of a house in 2018 to buy the house from them. They were moving to another state and needed to sell their house and were willing to do a rent to own. We agreed on a price and agreed we would pay it off within 12 years. We have never missed a payment and have made all repairs to the house ourselves. We renovated several things as well. We put a lot of work and time and money into this house trying to make it our home.
The sellers started to ask if we thought about getting a loan for the remainder of the agreed upon contract price last summer and we told them no because the amount we agreed to pay them was more than the house was worth at the time but since they were willing to do a rent to own we took that into consideration. We did not want to get a mortgage for 30 years when we were supposed to be able to have the house paid for in the next 6 years. We were both also working on our credit and the sellers were aware of that. At that time they were okay with that.
Several months passed and the sellers started asking again and next thing we know we had an investor show up to our home. He was told it was empty and he could look around and take pictures. He ended up not doing any of that once we talked.
Everything escalated from there. We have been harassed, lied to and taken advantage of.
The sellers stopped making the mortgage payments to the bank around January of this year. We did not find out until the house was going into foreclosure.
We tried everything we could to keep the house. Including trying to let the sellers let us try to get a mortgage loan. Unfortunately we were not able to keep the home. We have been working around the clock for two weeks now to get six years of home stuff moved out. I have had 5 surgeries in the last 6 years and this has taken a toll on me and will continue to. My husband has been working very hard and is the main source of income for our family. There are five of us. We took in my husbands mother in 2016 when she was diagnosed with Alzheimer’s. She has been with us since. I am her main caregiver. We have a 15 year old son and have raised two daughters who are now adults and doing well on their own. We also have my husbands adult nephew who found himself in a tough spot and needed some help to get back on his feet and guidance.
We were able to buy a house from a family friend that had been vacant for a couple of years due to nonpayment of the people that it was sold to, it took two years in court for them to get the people out and the title back in their name. My husband took most of his 401k out to put down on the house. He did not have a lot in his account based on the amount of time he has been at his current job and it has now left us with very little for the future.
The house needs a lot of work. We have spent every penny we have getting it to a livable level and we are not quite there yet. My family has been helping with the fixing up of the house and has been working two weeks straight to help us out. There was more damage than anticipated. We are doing everything possible to prevent being homeless. We still need a lot of material for the house and we just don’t have enough money.
Our current house will be auctioned off on November 20th and we are trying to get all of our possessions out by this Sunday. It has been more than anyone should ever have to go through.
We are good people who work hard. We found ourselves in a horrible situation at no fault of our own except for putting faith in the wrong people. We still plan on going the legal route to recoup some of our loss but that could take a long time and there’s no promise that we will get anything out of it.
We just need help with fixing our new house so we can move on with our lives and get back on our feet. Anything is appreciated. We have deposits and double bills until we are fully moved. We would be grateful for anything anyone can spare. I know this is probably the worst timing of the year to ask for help but are hopeful that there are people who are more than comfortable who are able to help a family in need. Thank you in advance and we will pay it forward when we are able to. I have added my link to cashapp and I have added my PayPal name if that works better, honestly I tried so many times to link it but could not figure out how to make the PayPal a live link.
PayPal: @thebear6 or
+thebear6.paypal
cashapp: https://cash.app/$KerensaW