I am desperate, very desperate

Thank you Teri =0) I am actually having some troubles finding a company to finance a trailer! There is always a snafu with me lol. Bless you and thank you so very much for your prayers! karly

Best Wishes Karla, A single wide trailer has different financing than a traditional home. There may be some light at the end of the tunnel for you especially if your dad is assisting. My prayers are with you. Mist Teri

I must thank all of you for your help and prayers! Bless each and every one of you! =0) HUD rejected me for some reason or another, and I applied for a USDA home loan? OMG! IF I borrowed $5k, I would end up paying them back $12K ! But what I really wanted to say, is that My Dad has found a trailer(single wide) with it's own small plot of land. He is going to see if there is a lender that will finace him (very few will do single wides?) as soon as we get the info we need from the seller. And I will get to keep my animals! =0) I am praying so very very hard for this! I am also praying that the payments are low enough so that I can afford them! I will certainly let y'all know what becomes of this, and if you don't mind me asking? Could you pray for this to happen? I soooo need a break for a change, the past 7 years of my life have been filled with loss, pain, grief and more bad luck than any one person deserves! I sure do appreciate you guys =0) And I thank you so very much! Karly =0)

You definitely sound like you qualify for section 8. I have attached the link for you. The problem is that it is not for home purchase but instead home rental. You may want to seriously consider this option. As posted in one of the other posts, many of the programs offered for home purchase have income guidelines and your income based on the information provided falls short. Another problem you face is having so many animals. That maintenance of those pets will dip into your household budget and if you do consider section 8, 9 times out of 10 no landlord is going to accept all of those animals. Be good to yourself first and I hope that you find a happy ending to all of this. http://www.hud.gov/pr ogdesc/voucher.cfm

Karla: Could you possibly be able to acquire a housing voucher for disabled which would allow access to homeownership voucher which would subsidise the mtge payment? http://www.hud.gov /offices/pih/pha/contacts/stat es/tx.cfm http://www.hud.go v/offices/pih/programs/hcv/hom eownership/ What families are eligible to apply for homeownership vouchers? Families must meet these requirements:  First-time homeowner or cooperative member.  No family member has owned or had ownership interest in their residence for at least three years.  Except for cooperative members, no member of the family has any ownership interest in any residential property.  Minimum income requirement. Except in the case of disabled families, the qualified annual income of the adult family members who will own the home must not be less than the Federal minimum hourly wage multiplied by 2,000 hours. For disabled families, the qualified annual income of the adult family members who will own the home must not be less than the monthly Federal Supplemental Security Income (SSI) benefit for an individual living alone multiplied by 12. The PHA may also establish a higher minimum income requirement for either or both types of families. Except in the case of an elderly or disabled family, welfare assistance is not counted in determining whether the family meets the minimum income requirement.  Employment requirement. Except in the case of elderly and disabled families, one or more adults in the family who will own the home is currently employed on a full-time basis and has been continuously employed on a full-time basis for at least one year before commencement of homeownership assistance.  Additional PHA eligibility requirements. The family meets any other initial eligibility requirements set by the PHA.  Homeownership counseling. The family must attend and satisfactorily complete the PHA's pre-assistance homeownership and housing counseling program. What are monthly homeownership expenses? Monthly homeownership expenses include: 1. Mortgage principal and interest, 2. Mortgage insurance premium, 3. Real estate taxes and homeowner insurance, 4. PHA allowance for utilities, 5. PHA allowance for routine maintenance costs, 6. PHA allowance for major repairs and replacements, 7. Principal and interest on debt to finance major repairs and replacements for the home, and 8. Principal and interest on debt to finance costs to make the home accessible for a family member with disabilities if the PHA determines it is needed as a reasonable accommodation. How much financial assistance can PHAs provide in each voucher? The PHA uses its normal voucher program payment standard schedule to determine the amount of subsidy. The housing assistance payment (HAP) is the lesser of either the payment standard minus the total tenant payment or the family's monthly homeownership expenses minus the total tenant payment. The PHA may make the HAP payment directly to the family or to the lender. What is the total monthly tenant payment? For purposes of calculating the amount of financial assistance to be provided by the PHA, the monthly tenant payment is generally 30% of the family's adjusted monthly income. For more information about how to determine total tenant payment contact your local PHA. What do I have to pay each month? You have to pay at least the total tenant payment (approximately 30% of adjusted monthly income). However, if you purchase a home that has monthly expenses higher than those covered by the total of the financial assistance provided by the PHA together with the tenant payment (30% of income), any additional amount will have to be paid by the family. To keep families from purchasing a home that will result in a payment the family cannot afford, the PHA, may set affordability limits for their program. Do families have to purchase a home in the jurisdiction where the PHA issued the voucher? No. Families that are eligible for homeownership assistance may purchase a home outside the initial jurisdiction if the PHA in the new jurisdiction administers the homeownership voucher program and receives new families into the program. However, the family may only use the voucher to purchase a unit in an area where the family is income eligible at admission to the program. How long can a family receive assistance under this program? There is no time limit for an elderly household or a disabled family. For all other families, there is a mandatory term limit of 15 years if the initial mortgage incurred to finance purchase of the home has a term that is 20 years or longer, and for all other cases the maximum term of homeownership assistance is 10 years. What regulations cover this program? The Regulations are found in 24 CFR Part 982 (particularly see sections 625-642).

Karla: Have you considered searching for animal rescue organizations/farms in rural areas which need workers to live on site and work w/animals? You may be able to work at a job you love and meet your needs for housing and caring for your own pets.

Nope - they have programs to assist people by building and or repairing homes for low income and or disabled. Google habitat for humanity + TX and select the one in your area. See the following example. http://www.austinhab itat.org/

Habitat for humanity? Thought they just built houses.

Karla: Have you tried contacting a social worker & habitat for humanity?

Lord, PLease provide this woman with a home of her own. Provide for all of her needs. Comfort her over the loss of her mother. Heal her emotional wounds. Be with her. Amen.