A Last Chance to Save Our Home I am writing with a humble and hopeful heart, asking for help in what feels like

ur final chance to save the only home my family has ever known. In 2018, I made a brave and carefully considered decision to take a risk for the

ake of my children and our future. I believed then, and I still believe now, that it is better to try and learn than to live with regret, always wondering “What if I had tried?” At the time, my family and I were living in a place that was constantly flooded,

uddy water entering our home whenever it rained. I dreamed of giving my children something better: a safe, stable place we could finally call home. That dream led me to apply for a foreclosed property in Lapasan, Cagayan de Oro City, a 179 square meters of land with a house and a second structure already built. The moment I saw it, I knew in my heart: this is home. The property was appraised at ₱1.4 million ($24.2K USD). I paid a 20% down paymen

of ₱280,000 ($4.8K USD) through years of hard-earned commissions while working as a Sales Representative. My husband was employed as a job-order worker, and we lived simply but responsibly. The remaining balance was payable over eight years, with a monthly amortization of ₱18,666.66 ($323 USD). It was a heavy commitment but I took it with courage and faith. In 2019, I made another difficult decision. My work required constant travel, and

I began to see my children drifting away from school, into harmful influences. I chose to resign so I could be present as a mother. I shifted to online work and small business ventures, doing everything I could to make ends meet. Then the pandemic came. Work stopped. Business closed. Yet the monthly amortizat

on continued along with

enalties, interest, and mounting debt. We received countless demand letters and eventually faced eviction and a court case. Despite everything, I never stopped trying to save our home. When I was later hired as a virtual assistant for a U.S.-based real estate compan

, I used my income to pay as much as I could toward our arrears. Still, it was not enough to fully recover from the years we had fallen behind. The cooperative finally allowed us a lifeline: transferring the loan to a governm

nt housing program with longer terms and a lower monthly payment. The housing loan was approved for ₱1,071,062 ($18.5K USD), and we were required to pay monthly rent while completing the transfer requirements. During this time, I lost my job again when the U.S. company suddenly terminated a

l remote staff. I was devastated but I did not give up. Today, I am employed again, working with a heavy equipment manufacturer, earning a stable base pay with commissions. I now have the capacity to pay monthly to cover the new housing loan, but to complete the transfer of title, we have to se

tle the remaining balance of ₱351,520 ($6.1K) with the cooperative, Capital Gains Tax, Registry of Deeds and

processing fees, which is not something we have right now and is the reason why we are asking for

help. Once the title is transferred, our monthly payment will be reduced to ₱7,378 ($128 USD) over 25 years, a payment we can sustain long-term. This would finally give our family stability after years of uncerta

nty. My past financial record is not perfect, but I have learned, grown, and taken responsibility for every choice I made. I am ready to move forward, rebuild, and protect the home my children sleep in every night.

am not asking for a handout, I am asking for a chance.

f you are able to help, whether by donating or sharing our story, you are not just helping us save a house, you are helping a family hold on to hope, dignity, and the belief that nothing is impossible. We have a contract with the cooperative that if we fail for the PAG-IBIG transfer, they will cease then the property.

rom the bottom of my heart, thank you for reading, believing, and standing with us.

Sheila

.S.

Donations are very much appreciated and will immensely reduce the financial strain we are going through, but I understand that we aren't the only ones struggling and could pay back the funds starting earliest June or latest August this year and then pay back in installments over 36 months along with 4% extra annual interest to cover inflation. If you would feel more comfortable with a higher interest, we would need more than 36 months to pay it back if the entire amount is requested to be paid back. To enable us to pay this back, we will rent out part of the house which will provide us about ₱18,666 ($173) which is right about the amount needed to pay back the ₱351,520 ($6.1K) with 4% interest. We are working on building another bathroom to accommodate this. We will continue to pay the ₱7,378 ($128 USD) over 25 years.

y eldest son JM has 1 more year left of college and should be able to help with paying back some of the money too when he starts working and perhaps be able to help pay it back sooner. My 2nd son SJ has 3 more years of college. My youngest son is only in grade 1.

The deadline is March 10th (next month) to have these funds, otherwise we will lose our home."