Deposit For Our Home
Donation protected
This is really hard for me but I've been struggling with this for a couple of weeks now. More like a couple of months but things didn't hit until about over a week ago. I only made this decision to do a gofundme for sure this morning, after my son kissed me on the cheek after I dropped him off at school. That's the first time he's done that since he became a teenager and it breaks my heart that I feel like I've failed him or will fail him.
Lets start at the beginning. It's the time of the election and we all know how that ended. The area that I used to live because extremely racially charged, to the point where I was being called the N word and had someone stolen my flag that a friend had flown for me overseas. I guess this means it's time to get a new house but in looking at the houses in Washington State, it seemed like it was just easier for me to build instead of purchase something that was already built. Call it being scared of having neighbours that could go onto your property and steal things to make you feel like a foreigner even though you served your country.
Fast forward and I have a gracious friend that lets me move in to her place in Renton while I'm working on paperwork to buy a piece of land. I find out that the land was formally owned by a crook who borrowed against the value and owed a ton of people money so it had to be taken to court. We had to move out of the place in Renton because of unforeseen circumstances and I was able to find another friend who was nice enough to let me move in with her family. I finally get the land but am told that I can't do construction paperwork on it, which would have given me a lower closing cost fee, until I had certain documents in order, even though I was promised that we'd do a construction loan. One time payment right. Wrong. So I purchase the land and put down almost 70k and have been paying a high mortgage since December of last year. Finally put the paperwork together that they needed, after changing at least 4 different construction companies, because I wasn't a priority for them, possibly because of the colour of my skin, and we started the loan process. Now at this point, I believed that things were good. I was told that I would only have to put down about 23k and they would be able to fund the loan based on my current wages and my credit score. The problem was the cost of materials had shot up and so did the loan amount. Things had to be restructured. After I had a face to face meeting with the bank, which wasn't the best, things changed. The tone of the email that I could from the representative was very abrupt and blunt. I noticed this based on the way the emails were structured after I meeting happened. They weren't friendly anymore which was confusing to me because I thought the meeting went very well. We both joked around and shook hands at the end but then why all of a sudden the curtness in the emails. What was told to me by other friends who have dealt with the bank was because I was a single, African female, and honestly I didn't deserve a place to live. I'm finally told by the bank that in order to close on this loan by say next week, I need to come up with 66k AGAIN to cover the closing costs. So apparently now it's 40k more than what I was originally told. Which was fine, when I thought I'd be able to just borrow the money out of my TSP. Apparently, per the bank, I can not borrow against my retirement as I have to have a reserve amount in there to pay off any debts that I currently have which means that I'm royally screwed. A lot of people know how much I hate asking for help but I fear it's the only cause of action that I have left at this point. A friend was supposed to help me with most of the sum and that ended up being a bust. I'm really trying not to let my son down.
Lets start at the beginning. It's the time of the election and we all know how that ended. The area that I used to live because extremely racially charged, to the point where I was being called the N word and had someone stolen my flag that a friend had flown for me overseas. I guess this means it's time to get a new house but in looking at the houses in Washington State, it seemed like it was just easier for me to build instead of purchase something that was already built. Call it being scared of having neighbours that could go onto your property and steal things to make you feel like a foreigner even though you served your country.
Fast forward and I have a gracious friend that lets me move in to her place in Renton while I'm working on paperwork to buy a piece of land. I find out that the land was formally owned by a crook who borrowed against the value and owed a ton of people money so it had to be taken to court. We had to move out of the place in Renton because of unforeseen circumstances and I was able to find another friend who was nice enough to let me move in with her family. I finally get the land but am told that I can't do construction paperwork on it, which would have given me a lower closing cost fee, until I had certain documents in order, even though I was promised that we'd do a construction loan. One time payment right. Wrong. So I purchase the land and put down almost 70k and have been paying a high mortgage since December of last year. Finally put the paperwork together that they needed, after changing at least 4 different construction companies, because I wasn't a priority for them, possibly because of the colour of my skin, and we started the loan process. Now at this point, I believed that things were good. I was told that I would only have to put down about 23k and they would be able to fund the loan based on my current wages and my credit score. The problem was the cost of materials had shot up and so did the loan amount. Things had to be restructured. After I had a face to face meeting with the bank, which wasn't the best, things changed. The tone of the email that I could from the representative was very abrupt and blunt. I noticed this based on the way the emails were structured after I meeting happened. They weren't friendly anymore which was confusing to me because I thought the meeting went very well. We both joked around and shook hands at the end but then why all of a sudden the curtness in the emails. What was told to me by other friends who have dealt with the bank was because I was a single, African female, and honestly I didn't deserve a place to live. I'm finally told by the bank that in order to close on this loan by say next week, I need to come up with 66k AGAIN to cover the closing costs. So apparently now it's 40k more than what I was originally told. Which was fine, when I thought I'd be able to just borrow the money out of my TSP. Apparently, per the bank, I can not borrow against my retirement as I have to have a reserve amount in there to pay off any debts that I currently have which means that I'm royally screwed. A lot of people know how much I hate asking for help but I fear it's the only cause of action that I have left at this point. A friend was supposed to help me with most of the sum and that ended up being a bust. I'm really trying not to let my son down.
Organizer
Abie Eke
Organizer
Seattle, WA