Home Financing

Thank you for taking the time to read my story. I am hesitant to write as I know there are so many people who are suffering in more obvious ways!  I have celiac disease. I am beginning with this statement because it is the biggest reason for my need.  Celiac is an autoimmune disorder.  I fall into the one percent who have this.  I have to be on a strict diet which includes cross-contamination risks or my body will begin attacking itself. Above may not be a big deal to some.  But, it is our dream house! The house we can finally have stability in.  Which is what we have been striving for for years.  We could see ourselves staying here for many years! We have been trying to get this house almost as long as its been on the market.   My husband is a disabled veteran.  We have six children.  I moved 800 miles away from my husband to do better since it was not good for my kids in the area that we could afford there.  Almost 4 years ago my husband had to stay behind as he was at a job for 5 yrs and could not find work here.  I didn't have a car as my husband had to keep it out of state to get to work and rented this house from my parents we are currently in While he rented with a guy we worked with. Unfortunately, it's had problems since we moved.  Two major problems is we have gone without heat for a while each year during the winter we've been here.  We eventually fix each time and end up with broken pipes.  When it warms up, we have a roof that has been repaired  three times.  Now, contractors say it's fixed. Yet, it keeps leaking.  My husband and children are having allergy issues due to the traveling water or water that once was.  These issues were nonexisttent before.  We are in the process for mold evaluation.  My step-father who owns this house.  Became unable to walk over the past year.  We need to leave swap. So, he and my mom can get out from under this.  This was their investment.  My step-father can no longer maintain this and the repairs for us to stay are not worth it.  Because of the problems, the house is not efficient.  We have to run space heaters all winter on top of coal. This place has taken more from us each month than the one we are looking at. Our original plan was to save and get our credit together to buy a home.  We owned before in a subprime market and broke even when we sold.  We were told by a lender to pay off credit.  So, we took as much as we could and started paying .  Then, we realized it didn't do much.  Several months ago we found Lexington law and they have been doing something very slowly.  Seems like we are wasting more money once again than it's worth.  10 months ago I found a house I absolutely fell in love with! We felt we were finally ready.  We started with a lender.  Then, the job my husband was working at decided to relocate. so, he was let go and was able to collect.  He is now going back to college full time.  The lender can now only count his va disability for a loan.  Although, we do have the income.  I tried to ask for a lease purchase.  The realtor said the sellers disclosure wants a straight sale.  My husband will graduate in three years in accounting.  We have moved my kids so much. I told them no matter what we are staying in this area.  The problem is there is not much in this small town to even rent.  Houses like this one don't come along in this area.  It is move in ready.  Currently, my 6 year old girl is still in a toddler bed and we have a bed in her room.  my other children are boys. there isn't enough room.  This house for sale has the space we need.  it has two laundrys. My kids badly want a place to play and ride bikes. We currently live on a steep hill.  Most importantly it has two kitchens.  I have tried so hard to go completely gluten free with the kids.  It is impossible.  We don't have any family close enough to help.  We are always on the go.  there is also a one in seven chance each one of my kids will get this At some point. So, I would like them to not be restricted while they can.  I am miserable. I keep getting glutened. I am desperate for a change! This house is absolutely perfect for our situation! It's like it was customized for us. I've been selling on sites for extra income for years.  I am an entrapenuer at heart. Not getting this house has sent me into a whirlwind of anxiety.  I began trying to biy and sell everything I could think of.  Thinking if I could just put enough down. Maybe, I could get the house.  It had caused problems because I have very little time.  So, the stuff was just sitting.  Every time I thought I was going to list.  Something came up with the kids or my husband.  I finally gave up and had to work on the family chores and responsibilities that we're getting neglected.mis was causing stress and I was getting sick.  In the middle of everything, we went through with the pregnancy we were planning for two years. It would be our last. Hoping for another girl.  Unfortunately, I lost the pregnancy and it took several weeks to actually miscarry. i kept telling myself.  Maybe, it happened because I was meant to move and it was impossible to pregnant.  I just signed up with a direct marketing company hoping for something that doesn't destroy my house.  All of the inventory is now in storage.  I am not asking for money.  I am asking for as close to $75,000 to present to my lender. In one week, I should have my family once again manageable.  I will then attempt to liquidate my storage unit which i dont have time to sell. My husband is also working on a business plan and we are hoping that that will become our primary income.    This house is in our same town. It is a rural town where the cost of living is cheaper than surrounding areas.   It would be life changing for all of us by taking away the major stressors that are making it impossible for us! It is the season for selling and I'm afraid we will lose this house to someone else soon! Please, help us get a long needs break! Thank you so much! Even if I don't reach my goal. All will be saved for a move, hopefully to this beautiful Victorian!