Being forced out of our home for the past 7 years is taking it’s toll on my mental well-being. I am a father of 4 and husband. I work full time as a fire protection designer. My salary pays well enough to keep food on the table and a roof over our heads, so I thought. I was unable to secure a loan for a home several years ago after the housing market collapse. Unfortunately, my credit score was too low as I did not have credit at all at the time. My collections for medical bills drove this score way down as I was unable to keep up with them. We have had unfortunate circumstances with pre-mature births, a full hysterectomy for my wife and an auto-immune disorder of my 2nd daughter. Her shot is almost $2,000 a month! We are working with the pharmaceutical companies on that one. Anyway, I am still trying to establish a good credit score and it is improving. I am nearing the score I need to buy a home but I have no idea how I will have any money for a down payment. Our current home has been perfect. I found a suitable home 7 years ago and signed a 1 year lease going month to moth thereafter. My landlord was dependent upon a “long term” tenant. I was more than happy to oblige. See we were hoping to have 5 more years as our youngest child would then graduate high school and we could move on and downsize. This also gave us suitable time to complete paying off medical debt (the only kind I have) and improve my credit score. Now out of thin blue air my landlord has put house up for sale for a cool $1.2 million. Well, I can’t afford that but apparently a lot of others can as we are consistently asked to show home. I need to find a home for my family and need the assistance to do so. I can buy a home, but cannot afford a down payment. How can I make this happen? Or what will happen when I am told to leave in 30 days? I am working overtime and a 2nd job to begin saving every extra penny but I am afraid I may not have enough time. If you happen to be generous and are willing to donate anything, it will be forever respected and appreciated. The most important thing to know is I hope to someday help someone when I am able to financially as well. Blessed but scared,
Dan