I am recently divorced women, in my mid 40s and trying to gain some access to monies for the new home of our dreams. WE have secured funding for the purchase of the house, as I worked in real estate and construction prior to Covid.
However, we do not have the contract amount, which is $25,000 to secure the house contract.
I am a single mother with three beautiful and adventurous girls. Two teens and a very boisterous 5-year old. My 16-year old is special needs and that requires a lot of my time and energy, making saving money pretty difficult. Though we are very thankful for the agencies that assist us.
My 14-year old suffered major predator trauma (e.g. rape) last summer and has been struggling with mental health problems as well as other emotional problems from that, as well as a loss of her uncle that she was really close to.
My 5-year old has been struggling with the divorce transition, we are seeking help for that as well, but as we all know mental health for children that young has a long wait list and very few providers.
We have all lived apart since last year (August 2023), as my ex-husband did not allow my other former relationship children to reside in his home once we were separated. He has primary custody of my 5 year old which has been hard on both of us as I was the primary caretaker from birth until last year for her. Lots of changes and lots of strong emotions in little bodies.
My mother and friends have been great, putting us up, but the strain of not living under the same roof has been difficult with all of other contributing factors.
Like many families in the US, we suffered financial losses from Covid and have been slowly crawling back up to baseline.
Unfortunately, conventional loans do not allow people to ask for down payment monies, even with my income distribution being low. And usually require a decent or “fair” credit score.
We are asking for $25,000 on or before August 16th, 2023, to maintain a house contract with the seller.
Anything you can offer would be great. Please do not send advice on debt consolidation, or personal loans. I do not qualify for those types of loans because my identity was stolen in 2020, so my credit is very low due to that. Using attorneys to create a new story of my credit had mixed results. And liquidating what assets I had to pay off creditors has not improved my credit either. So, here we sit, trying to work towards our goal and continually getting opportunities that do not pan out in our favor.
We look to others for their generosity and empathy and enter the world each day with love and hope in our hearts!