Help Us Save Our Home!

Hello, my name is Brianna Wainright, but some of you know me as Bee or even Rhazberriquartz on social media!

 

Unfortunately, my family and I have come into a rather difficult situation that will leave us homeless in 2022 if we cannot meet our goal.

 

We currently live in a house that was originally bought by my aunt in the early 2000's and she was gracious enough to let us move in and live here. And eventually put the deed in my mothers name. However this year we got news that the second mortgage on this house would be due - in full. This came as a bit of a surprise to us, since everywhere we looked this type of loan isn't allowed in any capacity in most places.

 

We've tried fighting it for a year with no luck.

 

We have no way to get it forgiven or refinance it. They either deny us or straight up 'loose' the paperwork. It's not been a fun situation for us. Especially, considering: my parents are in bankruptcy, my father has a failing heart, I'm disabled and unable to work full time, and my mother and brothers are both working full time and in school respectively with not so great credit scores. So, finding a new place to live for 5 people and 13 cats has been a nightmare.

 

We will have no where to go if we can't raise the money for the deadline.

 

So, we're hoping for a Christmas Miracle. If we can raise $15,000 to pay off the loan giving us trouble we would be allowed to stay! We know it seems like along shot, but we figured it was worth a try. If we can't any money we are donated will go directly into another down payment for a new place if we are able to find one.

 

Our deadline is the First of February 2022.

 

Anything helps. God bless.

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F.A.Q

Q. Why don't you do renters assistance?
A. No. My parents make too much on paper and with my brothers full time income as well they deny us. Also...

 

The issue isn't us not paying the bills on time. It's the fact that our bank is no longer letting us pay on that second mortgage. At all. They stopped taking payments in October of this year officially. And since they are refusing payments it is essentially putting us in foreclosure since we are not 'paying our mortgage in full'

 

Q. What about a lawyer?
A. Due to the situation at hand the lawyer we have has exhausted all efforts for us. Not only that there is only so much they can do if the Bank keeps 'loosing' our paperwork. We've filled out their needed paperwork about FIVE times. When I say this is last resort I mean it. The bank has us all in knots and we don't have another option.

 

Q. Don't y'all have places to go?

A. My mom and dad do yes. But, my brothers, myself and our cats? No. My brother is currently looking in FHA, USDA and First Time Buyers Programs. If we are lucky big IF we will be fine, but paperwork takes time and we have no idea how long that would take. So, once again we are here trying to save our home.

 

Q. What sort of disabilities prevents you and your dad from working?
A. My dad has a 10% capacity heart, diabetes, failing kidneys and liver. He literally cannot bend over without passing out. I myself have severe epileptic seizures, lupus and everything that comes with that diagnosis (it's too much to list) I do commissioned illustrations for a living, but it's not quite enough to save us here.

Q. I say forget 'em and just get a new house it's not worth your headache! Take the appliances too!
A. See, if this was happening say - Mid 2022 this would be a totally viable option! The issue currently is that my parents are in Bankruptcy and cannot get any loans until March/April. Which is a little upsetting! We appreciate the aggressive support though!