Help mom keep their family home.

A note from mom, Krys McHugh:

I am so devastated. It’s a very long story so I will try to give the short version. I am a widowed single mom of four (16 year old daughter and three sons, 15, 12, and almost 9) my kids and I are loosing our home (a home we have owned and put love and care into for 14 years) and I will have to find homes for our beloved pets. I have nothing more to loose, except my children.

My husband died by suicide in 2018. Since then during COVID I lost my thriving business, went back to school (struggled through, some weeks we had to ration our milk to be sure we got through til I could afford to buy more. Gone to the food bank at times) but I still graduated with my marketing diploma in August. (Since then I got a great Marketing job)

The only steady thing my kids have had is our home/house. The trauma my kids have enduring around their dad’s suicide has had a huge impact on them. Through counselling and our support system they were doing ok until lockdowns isolated us and the fear and uncertainty they were subjected to during that time drove their anxiety out the roof.

One of the things that have helped my daughter and my 12 year old who was diagnosed with severe anxiety, is the kittens they got over a year ago. These animals have become like their therapy animals and it shocks me just how they sense when they are needed and know how to comfort the kids.

Fast forward to today. As applying to be home owners, with me as a stay at home mom and still working towards recovering my husbands credit, we had to have my dad be on the mortage to qualify 14 years ago. At the time of my husbands death both my dad and husband were joint owners and on the mortgage. When my husband passed away I was a stay at home mom still and I couldn’t qualify for the mortgage so we just removed my husbands name.

My dad passed away suddenly at work just before Christmas (only days before the anniversary of my husband’s death) now with no will and my house still in my dad’s name, the house belongs to the estate. There is over $75,000 of debt in the estate and my house is the only asset. With the house being assessed and valued at $240,000 there won’t even be enough in equity to fully cover this debt. This will leave me with not a penny of the $45,000 down payment we put in or the years of payments and Reno’s we have done.

I don’t know where we will go or what we will do. Even with just starting an amazing job and having a steady income now, I am not sure how we will find a place to rent that hopefully we won’t have to change schools and me change work.

I am terrified, terrified of how much time we have left in the house and not finding anywhere. Terrified of telling my kids we have to move and uproot the only stability they have had in the last five years. I am even more terrified to tell them we can’t take our dogs and cats but most of all I am terrified that my kids will not be ok. I am terrified.

I don’t know if anyone has any suggestions. We will be selling as much as we can of my dads stuff and what I can if mine. The best case is we could get that debt paid off (but I have no idea where we come up with the money) and my mom qualify to assume the mortgage and me rent from her.

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After posting this on a group for moms' on Facebook, many people reached out asking whether or not there was a GoFundMe set for for this situation.

Thank you in advance to those folks out there who donate!