kreynolds
Frequent Contributor (1K+ posts)
Member # 15117
posted
Hey:
For the past year and a half my wife and I have been looking for a house.
There are many major problems we face which is making it extremely difficult to buy a house.
1. I'm disabled/on workers comp. 2. my wife can't get a job because she has to take care of a 2 year old and myself. 3. We have absolutely no money to put down.
We are currently living with my father-in-law and since I have been diagnosed with this disease it seems the funds are not there.
This disease has made it virtually impossible to get a house.
When I was working I could have easily made enough money for a down payment. We pay rent to live here and have consolidated all of our credit card debt due to this disease.
I have tried for FHA loans and the agents seem like they don't want to be bothered. I apparently make too much for section 8 so thats not a possibility.
All I want is to have a place to call our own, away from it all. Has anybody gone through this?
-------------------- Diagnosed CDC + 6/2007
Quest: + IGG Bands 18,23,39,41,58,66 and 93.
Quest: + IGM Bands 23,39
Quest: + Bartonella (B.Henselea & B. Quintana),+ Babesia, and + Mycoplasma and Lyme-Induced Addisons Disease
+ Biofilm blood test 12/2010 Posts: 1185 | From New York | Registered: Apr 2008
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just don
Frequent Contributor (1K+ posts)
Member # 1129
posted
Habitat for humanity??
FmHA in your area??(thats not a typo) its a small town farmers home administration loan!!
any first time home buyer funds for housese there??
dont feel bad,,,nobody is getting MANY home loans these days,,,its harder to qualify and fit the programs.
Need excellent credit and regular large enough incomes.
Other way is to find a motivated seller of a home with low payments,affordable,and take it subject to their financing or terms with the owner!!
-------------------- just don Posts: 4548 | From Middle of midwest | Registered: May 2001
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kreynolds
Frequent Contributor (1K+ posts)
Member # 15117
posted
FmHA would have been available maybe ten years ago here. It used to be very rural.
Just like myself, from NYC I moved out here because it was cheaper.
So we have all the people from the city area moving out here and its building up quite a bit.
The only FmHA I know of is way far from me and my doc. I have called countless places and they don't want to hear it.
The best is when I tell them I'm 23 and disabled and on Workers Comp. They don't consider that a type of income and I get the " I'll Call you later" or " I'll look for something for you" and I never hear back.
I just want a home that I can afford! Most of "those" homes look like a bomb fell on them.LOL!! Ahh... I dunno??
-------------------- Diagnosed CDC + 6/2007
Quest: + IGG Bands 18,23,39,41,58,66 and 93.
Quest: + IGM Bands 23,39
Quest: + Bartonella (B.Henselea & B. Quintana),+ Babesia, and + Mycoplasma and Lyme-Induced Addisons Disease
+ Biofilm blood test 12/2010 Posts: 1185 | From New York | Registered: Apr 2008
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randibear
Honored Contributor (10K+ posts)
Member # 11290
posted
hmmm, what about a 235 loan? it's something from the government but not sure what?
what about a program where you rent to buy? sometimes a for sale by owner would consider that.
sorry but you may have to stay in an apartment for while. this housing market is terrible.
-------------------- do not look back when the only course is forward Posts: 12262 | From texas | Registered: Mar 2007
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kreynolds
Frequent Contributor (1K+ posts)
Member # 15117
posted
Tried all the government stuff... We have considered renting to buy, but most of the places won't allow pets! Believe that!
I heard the market is bad, but I also heard that it may be good for first time home buyers...
We are trying very very hard to find something. We will have to see how it pans out.
You would figure that being disabled and very sick there would have to be some kind of grant/program for us really sick people, yeah right!
Thanks for all your advice guys!
-------------------- Diagnosed CDC + 6/2007
Quest: + IGG Bands 18,23,39,41,58,66 and 93.
Quest: + IGM Bands 23,39
Quest: + Bartonella (B.Henselea & B. Quintana),+ Babesia, and + Mycoplasma and Lyme-Induced Addisons Disease
+ Biofilm blood test 12/2010 Posts: 1185 | From New York | Registered: Apr 2008
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posted
Too bad you weren't from Mass, houses out here where I live are selling for next to nothing! I bought my house 3 years ago right when the market was booming, paid way too much for it and now its worth NOTHING!
I wish I was a first time homebuyer right now. Good houses, low prices.. Good luck to you! House buying can be very stressful, but woth it in the end.
Son's blog born at 24 weeks. Posts: 356 | From massachusetts | Registered: Jan 2009
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kreynolds
Frequent Contributor (1K+ posts)
Member # 15117
posted
Maybe I'll move up there... I like rural. Do they have rural areas up there? How about the Docs? If I do move up there...Im still a Yankee Fan!!! LOL thanks...
-------------------- Diagnosed CDC + 6/2007
Quest: + IGG Bands 18,23,39,41,58,66 and 93.
Quest: + IGM Bands 23,39
Quest: + Bartonella (B.Henselea & B. Quintana),+ Babesia, and + Mycoplasma and Lyme-Induced Addisons Disease
+ Biofilm blood test 12/2010 Posts: 1185 | From New York | Registered: Apr 2008
| IP: Logged |
Some rurals are places like, Charlton (where I live), Sturbridge, Spencer, Oxford, Southbridge (but probably wouldn't live there)Auburn, We are Central Mass, lots of nice places around here. Cheap too.
Rutalnd, Barre, Paxton... I could go on for days. Charlton is very nice and cheap. Great schools, everything!
Let me know if I can help ir get you some info from up this way.
posted
i like don's idea; see about getting a HABITAT FOR HUMANITY HOUSE where i believe the family has to put in 500 hrs. of work into it to get it!
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kreynolds
Frequent Contributor (1K+ posts)
Member # 15117
posted
DeafFromLyme:
Thanks for the info... I will be researching Charlton and the other places you listed.
I will let you know if I need some help. Thanks by the way. Also how far are you from your doc?
-------------------- Diagnosed CDC + 6/2007
Quest: + IGG Bands 18,23,39,41,58,66 and 93.
Quest: + IGM Bands 23,39
Quest: + Bartonella (B.Henselea & B. Quintana),+ Babesia, and + Mycoplasma and Lyme-Induced Addisons Disease
+ Biofilm blood test 12/2010 Posts: 1185 | From New York | Registered: Apr 2008
| IP: Logged |
posted
My best advice: Don't move anywhere near rural Mass or CT.
This show suggested that rural MA, specifically the area within the I-395 - I-495 corridor, will become the worst place for lyme & co infection in the US over the next 10 years.
Even worse than Nantucket, with the highest incidence in the country.
Plus, we already have here some of the most virulent strains in the world.
Son's blog born at 24 weeks. Posts: 356 | From massachusetts | Registered: Jan 2009
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kreynolds
Frequent Contributor (1K+ posts)
Member # 15117
posted
Yeah my wife told me I was nuts looking at MA. I'm already too sick to be vulnerable and bit again! Plus I have 2 co-infections! Don't need anymore.... I'll move to Antartica!
-------------------- Diagnosed CDC + 6/2007
Quest: + IGG Bands 18,23,39,41,58,66 and 93.
Quest: + IGM Bands 23,39
Quest: + Bartonella (B.Henselea & B. Quintana),+ Babesia, and + Mycoplasma and Lyme-Induced Addisons Disease
+ Biofilm blood test 12/2010 Posts: 1185 | From New York | Registered: Apr 2008
| IP: Logged |
posted
Not to sound cruel, but for two people on a limited income and no significant savings for a down payment to get a loan in this financial climate is going to be next to impossible. To some extent higher risk home loans are what put the country in the position it is (the sub-prime meltdown).
Both commercial and consumer credit lines are locked up pretty tight right now, and nobody is sure where the bottom is.
Any chance of a family member getting the financing for you and giving you a rent to own agreement?
Posts: 263 | From Capital Region, NY, USA | Registered: Jun 2008
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kreynolds
Frequent Contributor (1K+ posts)
Member # 15117
posted
tcw:
Yes we have relatives that can help out financially.
I think we are just gonna stay put for a while until we figure this all out....
It stinks, but seems like the only option. Thanks for your advice.
-------------------- Diagnosed CDC + 6/2007
Quest: + IGG Bands 18,23,39,41,58,66 and 93.
Quest: + IGM Bands 23,39
Quest: + Bartonella (B.Henselea & B. Quintana),+ Babesia, and + Mycoplasma and Lyme-Induced Addisons Disease
+ Biofilm blood test 12/2010 Posts: 1185 | From New York | Registered: Apr 2008
| IP: Logged |
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