My name is Irene and I am a 61 year old grandmother of 4 who is disabled due to a severe brain injury I received from a car accident back in 2009. I actually have a friend helping me to write this. After my accident I developed diabetes and an unable to hold down permanent employment including part time work. Back in 2014 my daughter left the kids with me and left with no financial support. So I have been taking care of them and don’t really know where she is. I found a house to rent and we have managed to make it month to month. Sometimes I find things and fix them up a little and try to sell them. I do try very hard to do everything I can for my grandchildren. I believe it has only been by the grace of God that we have made it this far. I have recently been given a great opportunity to purchase the house that we have been living in for the last 3 years. The landlord said she would let me buy it for under market value. I looked at the tax sites and got the information I needed to make sure she was right. Then I tried to get a loan and assistance from many different agencies but no one was able to help us because I either did not have enough money in fees and taxes or because I had no credit. My landlord agreed to let me buy the house but she wants $20,000 down. I could not even begin to figure out a way to manage to save this much money. I have to follow a budget to make it each month on my benefits so there is very little left at the end of each month. I do know that if we are able to get the house that it would give my grandchildren and myself the security of having a home that we never have to move from. I have paid my bills on time and can manage the day to day workings of the home. I know that we can make this work especially knowing that it belongs to us. If not we will have to find a house in a worse neighborhood just to manage. I do not want to move to a bad area and risk the kids getting into trouble or even worse. Please find it in your heart to help me give my grandchildren a home of their own, they have been moved around too much.