Lost Home - Deposit for Housing

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$2,065 raised of $7.5K

Lost Home - Deposit for Housing

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When you begin life, you dream of a fairy tale, magic, love, sparks, soul mates ... Not many people find this, let alone so early in life ... Jamin & I were blessed and crossed paths so many times before finding each other... but I jump ahead...

(This photo was our 1st X-mas together ... at the ripe old age of 17-18 ... we had already been best friends since 16-17 years old.)

We almost went to the same middle school (my baby moved to MD from CA because his parents took new jobs through the goverment ... but My mom found HER soul mate after leaving my abusive father and we moved 30 mins away from that area) ...

Jamin & I laugh to this day at how close we were to each other, dancing and moving around each for so many years...

Both his parents & mine bought us dogs from the same litter (Chow & Border Collie Mix ... His was named Tai & mine Kayti) ...

There was a Spencers at the local mall in Gaithersburg, MD ... we had an unknown hair battle with the Stone Age Drummers Alarm Clock ...

"Somebody" would always give their hair spikes and mohawks ... I'd walk in and go right to that spot and comb their hair asking "Who made your hair all crazy?" ...

If you could have seen the surprise on BOTH our faces when our paths finally intersected via groups of friends and Jamin looked me dead in the eyes & said "THAT WAS YOU?!?!" ***Priceless***

...Jump fwd a couple years, we find ourselves "Prego"...
My baby had moved his way up the company ladder from parts runner to HVAC technician, I moved up from aspiring model/life guard to full time office worker as a Account Manager for Balmar. (Ages 20-21)...

...it was then we decided to move 1 hour north, away from Montgomery County with Jamin's parents, buy a house together up North, where it was quiet and a better place to raise our son...

...another time warp... 17 hours of labor before they told Jamin he might lose both Nico & myself when I was begging for a c-section for hours prior (I was already passed out by the time he flipped on the docs, I just remember bits & pieces & pain, clutching the arm of the bed... I was blacking in & out.) ...

(Side Note: I'm a fighter, my Mom had me 3 months early after my twin aborted itself, I spent the first 3 months of my life in an incubator ... Same goes for my hubbie, he was born strangled by the imbilical cord ... We're you're ultimate power couple ... and for no other reason (in our eyes) than to find each other (again) ...

And we lived the dream ...

... THEN THE WORST CALL EVER ...

As a wife / mom, you try to prepare yourself for mishaps, "accidents", what have you ... but NOTHING can prepare you for this ... Not this ....

Jamin had left home to meet his co-workers for a day to relax at a family place near a lake, the guys were just riding down for the day, total trip was about 2 hours, he had already made it 1+ hr to meet our friends from our home with Mom & Dad.

Something went wrong ... there was debris in the road that was hit, my baby ended up getting flung from his vehicle (prior to it hitting a tree) which caused him to take a 4x4 road sign out with his legs, lose 8 inches of femur, shatter the all the bones in his legs / ankles...

He flatlined 3 times on the operating table. In his 1st 7-8 hour surgery.... Long story short, they kept him in Baltimore at UMMC Trauma - this was August 8 2008 ... he was in such high risk / instable for so long and bounced around from rehab facilities in Baltimore, he did not see our son until right before christmas when he was transferred to another rehab place under an hour from home ... shortly after he was able to come home biefly (for the holiday) ... (Did I mention he became type 1 diabetic at age 18 and I had to watch him under-go surgery for what they thought was lung cancer from a dark spot? ... it turned out he had an extra flap, that they removed.) ... well, his diabetes only complicated things. He was in and out of the hospital for more surgeries and infections. He spent 2 years in that hospital bed before learning to walk again.



...Fast Forward 3 Years... we were still living with Mom and Dad, I was working to take care of us, I ended up working at the same place my baby had, making the same commute. BUT all the hard work payed off. We were able to finally buy our first home.

Life was finally looking up!

But... things change quickly.  Taking care of the house was too much for my now disabled hubbie. I left my job of 4 years to find something close to home to be more available to take care of my boys. It was a major hit to the wallet. 

We limped along with help from my husbands parents, until they could no longer help.  They are older and Dad became ill and was no longer able to work. 

We tried to do a restructure of our mortgage but got the run around from our mortgage company.  Meanwhile,  our supposed dream home with all the new this and that was crumbling.  The downstairs bath for Jamin (since he really can't do stairs) had the plumbing fail. The new roof began leaking through out the upstairs. The new oven,  dish washer and fridge broke along with the microwave and shortly after the upstairs bath began leaking into the kitchen.  It gets better... the washer and dryer quit too. But back to the restructure.  We were not allowed to make payments during this process,  months went by,  they declined the restructure and want $30,000+ or it's being auctioned.

By the graces of God we found a Owner Financed home, the offer that was on it fell through & they are willing to accept our lower offer but they need $7500 down for closing. We can't even get a small loan with our credit being trashed from trying to do the restructure.

I NEVER ask anyone for help.  This is the hardest thing I have ever done. 

Sorry for the novel.  Just wanted everyone to see the big picture.

Organizer

Heather Kodex-Bunny Cirilo
Organizer
Smithsburg, MD
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