How I Bought My Dream Home as a Single Mom of 10 With No Job | Moving Across the Country
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- Опубликовано: 26 июн 2024
- How did I get a loan when I didn't have a "real job"? And how did I move our stuff 2000 miles across the country? What do you do for work? These are the most frequently asked questions I've been getting from "My Story." Tune in and get the answers! A month after posting "My Story" and answering hundreds of comments and emails, I'm sharing in a video!
Watch My Story • My Story | Where We've...
Visit my blog to follow more about the Holladay Family! www.singlemomonafarm.com
Retired mortgage underwriter here. Zero down loans are available under a variety of programs. They can be federal, state or local and have varying qualifying requirements. If the first lender says no, keep calling. Many lenders don’t bother because they might not be as profitable so try the larger financial institutions first. Income requirements can be met by any income source that is “stable”. If your income is from something other than wages verified with paystubs and W2s, typically you will need to prove stability with 2 years tax returns. There are sometimes exceptions like she mentioned 6 months check copies. She most likely had to prove her child support would continue for three years minimum with a copy of her divorce papers. She also mentioned she had excellent credit. To summarize, you can purchase a home with zero down as long as you have good credit, stable income and a can-do attitude. The savings requirement for 2 months payments cash reserves is not always necessary to qualify but you would be wise to require it of yourself.
A good place to start is by taking a first time homebuyer course. You can find one in your area by googling first time homebuyer class. You can also google zero down mortgage loans.
I need to do this for myself but don’t know where to start 🤔
@@pamellasmith2503 A very good place to start is by attending a first time homebuyer program in your area. You should be able to find one by googling it. You can also google zero down homebuyer’s program.
@@pamellasmith2503 A very good place to start is by taking a first time homebuyer class. You should be able to find one in your area by googling first time homebuyer class. You can also google zero down home loans.
Great info, thank you so much! I hope everyone who needs it reads your comment because I get this question a lot. You've been very helpful.
Start calling mortgage lenders/loan officers. Or google some websites and check them out to see how you feel about them. Call local places if you'd like a lender you can meet with in person. You can do it!
Considering your circumstances, you have a great attitude. I admire you.
What a blessing your neighbors were when you needed the help.
You are not poor
You are so wealthy only your wealth is not in the material. Your wealth is in the Lord, having your children healthy and happy and basic needs taken care of. Your resourcefulness is to be commended and always finding a way through all the challenges. Love your new home♥️
Yes! Please share your miracles with us…it is so encouraging. I’ll share a small story. One day many years ago I was driving to work (a 9-5) and noticed everyone that I passed in their cars, on their way to work, seemed to have either a sad, mad, frustrated, bored, distracted look on their faces. So I started to bless them as I passed them. I would say “God Bless you” or “I hope you have a blessed day” (out loud by myself in my car😊) I then approached a 4 way stop and I looked at the car opposite that stopped and noticed his license plate read “BLESS U”!! I couldn’t believe it and I still fell blessed to this day!!! ❤
Aww, I love it!! That's an inspiring story. Thanks for sharing! Ok, I'll start working on writing down the miracles I want to share. My biggest holdup with videos I want to do is being scared that I'll do them and then remember the following week another story or piece of the story I forgot to share. But I gotta just do it anyway. God bless YOU!
@@singlemomonafarm Kudos for even doing videos! You are doing great and anything you share is appreciated. xo
Thank you for sharing your story! I really appreciate it. I'm going to be praying for your family. As I continue to watch your videos I'll keep an eye out for what to pray for, but in the meantime I'll be praying for your own encouragement and strength since you have a lot of people leaning on you, and that God will continue to provide for you financially.
@@graceshahri3872 Aww, thank you! This means a lot to me. I've had the best month financially I've ever had since my ex stopped working and paying support 2 years ago, so your prayers are working!
Im so thankful you got the house! If you have any suggestions for healthy, frugal meals, please do share them sometime! Also, praying your channel flourishes and can bring a little income for you!
I agree!! I will propose a way! 🤗
Great idea! I'll start planning that! Thanks for your prayers and encouragement. That would be great!
If we just share with 1 person would be great 😊
Just two words to describe yourself and Family. 'Amazingly inspirational'. Take care God Bless🙏
So great that you are giving God the glory that He deserves. People need to hear what God does for his children. Ty for being bold! You are amazing. Continue spreading Gods love.
As a single mom myself, I too find your stories and lifestyle so inspiring! You are amazing! 😍
Oh thank you! We can do hard things we never thought we'd have to do. You've got this!
Hi from Wyoming! Love your videos. What amazing timing the lord opened up for your family to find this house.
I was a single Mom too. My son is married now and has a child of his own. God Bless you all! I love your channel.
Thank you for sharing, being honest, and transparent. Many content creators are not. Blessings to you and loved ones
🙏
Thank you. I hope I don't regret sharing. And I don't know if it makes people feel uncomfortable. But I feel like I can't help people unless I share the exact details and numbers. Someone can say they didn't have much money, but then I still see them eating out and going to Disney and I wonder if their "not much money" is the same as me. Or if their potty-training experience is the same as mine and details are helpful for that. So thank you for saying that cause I wasn't sure.
I remember I went to the bank, after being widowed. I need a mortgage to buy a home.. The bankman looked at my papers, I had not received any widowers pension yet, just the child benefit from the state. Well your circumstances are dire, but they will not be forever, I will approve you. I got a job, a second job and for a decade I bought run down flats, houses and townhouses. Lived in them, did them up, and sold them for a profit. Until I built my own house in the woods of Norway in 2018. The most important thing for me was that the homes I bought was in the same shool district, so the boys had the same environment. Even if we moved 5 times in 10 years.🙂 You are doing great, I was thinking when you are tellling about the berries and other harvest you have - make jams, People love to buy farmfresh food, from fresh fruits and vegetables to eggs. I buy from local farmers here. Some have a makeshift store at their farm, some a self service stand and some delivers on my doorstep. My second job, which I still have, is as a board member in a building association. Back then I was the chairman, but I have stepped down, less responsibility and stress. Nice extra money.
Thank you for sharing your story! What an incredible mom you've been to keep going after the death of your husband. I love that you fixed up houses. I think that would be fun and have considered it but haven't been that brave yet. And that's so awesome you built your house in the woods of Norway! I bet it's gorgeous there.
I love how honest you are.
Try a rescue mission or church food pantry to get extra food plus they also have toiletries. You are an awesome mom. Everyone should share these videos to help her out!
I am blown away by your tenacity! What a beautiful story and beautiful family. Looking forward to your MIRACLE story❤
You are such a strong woman. Your family must be so proud of you. Things don't always work out how we want them to and you just have to come up with a plan B.
Your story is empowering for anyone going through tight financial and personal times. Thank you for sharing.
Marci. Great story. Good for you. You will be ok. It will be difficult at times, but what life isn’t. My mother bought a house “finally” when I was 15 years old. This was back in the early 70’s, they weren’t giving loans to single mothers back then. The first house she bought, was in a field, dirty as can be. She had 3 children and no family to help her. I think the secret to her success is she had a “can do “ attitude always. Believed in God hand three kids that loved her as much as she loved us. She made lots of sacrifices . As time went on she bought 2 other little houses. She was thrifty as can be. I am so thankful for the way my mother raised us and she always loved us. It was always a team effort in our house. My mother lived to be 97 years old and always a single woman w/kids. Thank your for your story .
I’m happy you qualify for food stamps . You’ve more than earned the little help you receive.
Your story is very inspiring!
You are a wonderful mama. So proud of you!
I came across this channel at random. I would like to think that I was sent here to get inspiration and encouragement so that I may make a move I have been struggling with for a while. You are a warrior! Please pray for me.
Will do! You can do it!
Hi, it was very interesting to hear about you and your family. You must be a strong woman. Your story is so similar to ours. My mother became a widow at the age of 41, then she had 9 children. With the help of her faith in God and with the help of good friends, she bought a house and raised the children herself. When the children got older, they helped with money and many practical things. This was in the 60s. I wish you all the best for the future! It will be bright and good !
I admire your resilience and honesty raise your children with the knowledge you have done your best they will learn the good fight with the strength that one needs to succeed ❤
I had a home as a single mom on low income. I had a steady income and great credit. Please don’t think because you’re single that you can’t meet your goal of home ownership. It may not been have a mansion but it was a well loved home. ❤
Perfect! I love this story. Thanks for sharing! And good job!
What an inspiring story!! Isn't wonderful to see God move in a mighty way?!! I can't help but stand in awe of Him!! Congratulations on your home!! You have a beautiful family!! Prayers for the future ahead!! God Bless!!
Good evening Marcie ♥ Thank you for sharing your story!
Don’t listen to anyone who is negative. I love the life you are living! I wish I could do what you are doing! ❤
Our God is an awesome God! 🙏🏻❤️
The truth is your smart and very wise with your money. Your wants don't outlay your needs.
There's nothing wrong with reusing foil and baggies. I do it too because it saves money, and there's no reason to throw them away all the time, depending on what you've had in them. We don't eat as healthy as you but I do cook from scratch. Noodles tonight. 😊
Yep, you're right! Nothing wrong with that. I think it's the thought that makes it feel wrong. Like, "We're almost out of foil and I can't buy more" and stressing about it. Instead of just, "No worries, I'll keep using this piece." Sometimes I have good thoughts and it doesn't bother me and other times it's one more thing that reminds me of how poor we are and I just want to cry. Hope your noodles turned out great!
@@singlemomonafarm the noodles were good. Thank you. I had a pastor once who always said poor was a state of mind. Do we have extra money right now? No. Are we poor? Not at all.
I changed the door knobs on my house a couple years ago and still have the old ones. DM me if you would like them.
You & your children are an inspiration . You are a strong woman. I hope your RUclips Channel grows and you should also do Tik Tok. People will love your story & videos . Please keep them coming .
You’re simply amazing! What an awesome story!
You are an inspiration. I am a single mom with a story similar to yours. Thank you so much for doing these videos and sharing your journey. You give me such hope!
Really? I'd love to hear it sometime. You're welcome to email me marcie@singlemomonafarm.com. So glad I'm giving you hope! Thanks for telling me.
You are an amazing person! A wonderful mother! God Bless you and your beautiful family!
Enjoying your story and watching your kids work and play. God provides blessings in abundance ❤️
It's lovely to listen to you. Your positive attitude and the intent you keep on focussing are showing good results. Good bless🙏
Utilize the Dollar Tree for your personal care items. And household too.
What an adventure! Thank you for sharing.
Adorable helper in the garden!!
I really appreciate your honesty and openness. I love your channel.
God is good all the time. You are an exceptional person. I love your uplifting channel. Not that it’s any of my business, ,but I’m so proud of the way you navigate and pivot through life. I’m also nudged to pray for the kids dad. What a mess he must be in. You all need a miracle there too.
That is so sweet of you to pray for Nathan. Thank you for your sweet words!
Beautiful story!!!
You are such a sweet person and I will be praying for you and your sweet family🥰
You have such an interesting story, are so succesful and you're such a very strong woman! I'm SO proud of you! God does provide!! I homeschooled my only child and what a wonderful experience it was. Especially to be home with her, to enjoy her every day. What a gift it was. She thrived and enjoyed everything! I love your house, yard, and lovely family. Great videos! Bless eacj of you!! Please keep sharing with us. 🥰
You're an inspiration to so many. You're so right. God is good. I pray that many blessings for your family. Such a beautiful family.
Thank you for sharing your story. God bless you all.
Glad I found your channel. I’m glad you’re so happy now.❤❤❤
New Subscriber here. Holy cow, your story is amazing and you are incredible. I have been watching your older videos to catch up on your journey!
Thank you for sharing. God is so good.
Your stories are a blessing as God intended them to be. I am really enjoying your channel and how you have faced so many challenges and overcome with God's help. You are meant to be here.. I have had 2 channels come up on my feed or been recommended this week, both Christian channels it is not a coincidence. Anna In Ohio
Definitely do a miracle video, your life is so amazing 🙏🏻
God bless your family! You’re an amazing woman!
God bless you and your family! Great story, I love it❤
Awesome family. Blessings!
You've done amazingly well, I have 9 children and so I know you are doing brilliantly and working hard. I pray for you to be able to stay there with your children. God bless you all.
Thank you for sharing your story and tips! Btw, I’m a new subscriber!😊
God Bless you for doing what you do for your children. Things will get better. I’m sorry that your marriage didn’t work out. Being a mom for one child is hard enough, having 10 kids, you are my hero!! I’ll be praying for you for continue being blessed. Getting any from the government that you can get help, take it!!! Also, if you are LDS, ask your Bishop, he will help. I have good friends that are LDS and they’ve needed help. Don’t let anyone make you feel bad, they don’t know your story. God bless you!! ❤
God will make a way
You're doing an awesome job!!
I enjoy your videos and your family very much!
God Bless you and your family!
God is so good,I feel for you,I’m single as well,not always easy,God is with use he is always faithful,best wishes to you and your family,will be praying for you
Sounds wonderful, I am happy for your family
You are truly inspiring!!! ❤❤
I can see the hand of God in this story!! So many miracles. I pray you RUclips Channel grow. Keep looking for them miracles!! God Bless!
You are so beautiful, from the inside out. I can see it in your children's faces. God bless you, from one single mom (starting my own homestead journey!) to another.
Wow, that is so sweet of you. Single mom's homesteading don't have much extra money, so that is super generous of you. Yay for starting your own homestead journey! You got this!
Love Your story Definitely inspiration and God's hand in Your move. And I am Thankful to be able to watch Your Family and be inspired by Your Family.❤
Your video is inspiring! My husband and I totally feel that God opened the dogs for our little over 5 acres, here in West Point, Ca. The paperwork seemed to be endless but it all came through with no difficulty. We got our loan from my husband’s VA. We had to put down a down, but was surprised when we got it all back plus a little more. What a blessing that was. We were able to put a generator in with it.
I look forward to watching more of your videos.
Thank you for your time. God Bless❤
So awesome to hear your story! Thanks for sharing!
Inspiring story 😊
When toothpaste is almost empty cut open it it still has some in it.
Haha! I forgot about doing that. My mom used to always make us do that growing up even when we had money.
Also if you can't afford toothpaste please, please go to the foodbank!!!!
Great video
You answered my question :)
You are a brave women to start your life over again with 10 kids. Be proud of everything you accomplish, as we don’t know how strong and brave we can be until we have to. Your kids will learn things that will help them in later years that otherwise they might not of. There was 10 of us kids also and we helped my parents with expenses when we could. Every summer break from school we picked strawberries when they worked the fields. From elementary school and until I was 60 I worked. Only when I got laid off one year, or was on maternity leave, twice, were the times I didn’t work. I got my good work ethic from it. I also learned how to budget and save for what I needed. Much love to you and your kids. You got this!
Wow! You're incredible! Thanks for sharing!
There’s supplies in your pantry, vinegar, baking soda, lemon juice, that works well for cleaning and even brushing teeth 😊 also if you’re feeling creative making your own soap and laundry soap is very economical.. I enjoy the challenge of making things so that’s how I know 🫣😂
Yes, you're right! Great ideas, thanks! I do use baking soda for cleaning but haven't made my own soap yet. It's always been on my list of things to do... It does sound like a fun challenge.
I am not being nosey but, I have been in a similar situation. Why do you not apply for social security benefits for your children since your husband is “disabled”? I am sure he is not able to work where he is? You should be able to apply for Vocational Rehab as a displaced home maker or something like that. Also, I was a divorced single mom not by choice…his fiancée was tired of shacking up and everyone comparing her to me…lol…but, my attorney told me to go school since I put him thru college he could pay for me to go again. Omg..you would be surprised what you qualify for yourself and children. I realize you probably have a degree but, make it your job. I did. Now days you can go and get a degree and not pull out of the driveway but, you do need internet….Also, I would give you all my taxes to for life for food stamps and anything else. Draw them forever. No one deserves it any more than an honest, decent single mom. Get free medical help. Vocational Rehab literally paid for a woman to get her hair done as it was in knots and gross so she could go on a job interview. And a wardrobe to go to different job interviews. It was not cheap. So, they buy shoes anything you need that is honest. Apply for it all.. And I know people who worked from home for the big online company lets just say A. They made $15 an hour just answering the phone. I also checked on online jobs and there were quite a few jobs on there that were doable. you are an intelligent, strong woman. I am sure you will figure it out. But, there is so much help right now after Covid. And some of these agencies are on line. You should go back to be a teacher in grade school education as you would be a great teacher. I wish you all the love and luck you need. 2 more thing… please, propagate and sell blackberry bushes. People charge $5 for a rooted plant. You are in a goldmine for fruit trees. Elephant garlic…people have made a fortune selling cloves on Amazon. One person spoke about supporting their family selling elephant garlic cloves. I know as I paid her $30 for about 5 heads of garlic to plant and it’s passive income. I am sure there is a flea market near you at the very least. In my town, people grow and sell fall flowers and Fodder for decoration. I could go on and on. Lol
I believe she has a degree. She met her husband in college and they both graduated together. She said her husband would not sign up for programs food assistance etc. so there is a possibility that he would not sign up for SSI benefits for "Disability"
Marcie if your husband is receiving benefits from SSI disability all of your children that are under 18 may qualify for a small check. I believe you may still have 5 or 6 that fall into that category. I may be enough to pay your mortgage and that would be a huge blessing!
As for her Teaching in a public school I am sure she would probably qualify as I work as a substitutive teacher however there is a huge difference between how she teaches and what a public school would. Have you watched her videos and read her stories on the website her youngest I believe was reading at 3 the three oldest all graduated from school at 17 and I believe the next one is poised to graduate at 16. They speak foreign languages They are highly educated children.
I hope she doesn't carry his same opposition to assistance programs. She and her children could benefit from them and it is a strength, not a weakness to accept help when things don't go as planned. Wishing them strength and beautiful life in this home!
@@allisonkemper5533 She stated she receives food assistance in the video!
@@rachaelsupadventures Yes, ma'am. I have a degree. Places in town that I applied for didn't care and still only offered $9 an hour. But in my heart I didn't want to work there anyway. I want to write curricula and sell online, do nature camps on my property, things I can do at home or have my children involved. So maybe it's good the jobs in town don't pay well. I've thought of being a teacher but I don't want to leave my kids all day. Yes, you're right about how I teach differently. Spot on! You've really studied me. :) Yes, if I teach I'd rather teach nature school/ forest kindergarten at my house and do it my way. I feel strongly about play and not so much sitting in seats for 6 hours. Thank you for all your sweet compliments and praise!
I don't know anything about SSI disability. Nathan is in a state mental hospital. I feel bad the state is already paying for him, I'd hate to ask more for our family. And we get food stamps and medicaid. I feel I can make up the rest with my business, it's just slow at first. But since starting YT it has picked up. But yes, the SSI paying my mortgage would be a huge blessing!! I wonder if I should look into it. Thanks for commenting!
@@allisonkemper5533 Yes ma'am. I get food stamps and medicaid which helps a lot. Hoping I can earn the rest of our needed income soon.
Wonderful video. It's brutal sometimes being a single mom, but God's blessings were abundant. I was looking at your Sunflowers and thought maybe you could have a flower and/or plant stand. Sell bunches of flowers, plant plugs, plants, and volunteer bushes and trees. God bless you on your adventure.
Yay! It sounds like blessings on top of blessings....
Love this video! You are resourceful, but I also recognize you must be a woman of great faith!
God bless you and your family
Hello, great info. I’m in SC so welcome back to the south.
Thanks! I love SC!
@@singlemomonafarm I’m in the Columbia area and it’s super hot this year. My garden is suffering but I’m getting a few things. Love blueberries and I had two bushes at my last house that yielded a lot. No success at the property but I do have figs, peaches and muscadines.
Dont you ever worry what people say. your doing what you have to for your children god bless you
You have a lovely spirit and I can tell you are working so hard to find ways to support your familiy! Have you ever looked into Virutal Assistant type jobs? They are remote and flexible, although you mentioned you might not have super strong internet at home to do a remote style job. Keep up the good work!
Thanks!
Oh thank you so much! You're so sweet!
Hello you are a great mommy 💖😘 love your videos, besafe and GOD Bless 🌹❤️🙏🙏🙏
I think you're a brave and wonderful Mom❤
Girl food stamps are for moms exactly like you! We all need a little help and this is a blessing from God.
You’re amazing and such an encouragement of faith! Truly inspiring!
Can you link where you sell your curriculum, I’d love to check it out!
Thank you!!
singlemomonafarm.com/digital-products-2/
True heart Momma . If God be for you who could be against you. God had a plan for you and the children . Prayers and blessing on you for all your income needs. Blessings on each of the children.
Wow
Proud of ya
The way you wrote this made me break into a big smile at my computer. I'm not sure why. I just love it. Somehow I could feel your sweet personality come through.
God always looks out for us!
Everyone, please "like" her video and feed the algorithms to help her channel be seen by more viewers. The more views, the better for her and her family.
very well thought out how you managed everything! Admirable! And whoever comes into action in this way also receives God's help and the nicest people....
I can see how God helped you and led you and how things worked out every bit of the way.
everyone needs to hear your story. we are so spoiled in America. I'm glad we live in a country that has been so blessed, but we take it for granted everyday. just about everyone you meet feels entitled and all that is getting ready to come down. America is going to be judged for turning her back on the God of heaven and earth that blessed us. I pray everyday that i will be thankful and grateful for everything i have and try to help and share with others around me. May God bless you in your life and i know he will help you. read Isaiah 41:10 that was the scripture he gave me when my husband died. he HAS helped me and strengthened me and he will do the same for you.
I love your attitude and the things you are teaching your children. May the Lord continue to bless your family. I hope your channel continues to grow and bring in some income for you. Are there things you really need that your viewers could gift you with? You could do an Amazon wish list and if people feel led to bless you they could.
Aww, you're so sweet! Probably pajamas for my little boys! Tonight they reminded me again that they didn't have any that fit. They are the same size and it's hard coming up with clothes for both of them. I used to be able to pass them down (they are 2 years apart), but the younger one has caught up to the older one. One is 8 and the other is 10 and they both wear size 10 (there's not really size 9 anyway.)
I will look into Amazon wish list. Someone else suggested it but I hadn't heard about it and haven't looked into it yet. I really don't want people giving me things; I'm so ready to provide for ourselves! But I do understand this is just my season to accept and it won't be forever. And I know from when my husband had that good job for 3 years and we did secret santa for other families and were able to help others it was super fun. So I also don't want to deny people the opportunity to serve.
@@singlemomonafarm, fun to be able to bless others. It’s a blessing on both ends. ❤️
@@singlemomonafarm at multiple times in my single mom journey (it's been over 10 years now) I have been blessed by amazing friends who helped pay for my daughter's private Christian school (public schools where I live are unsafe and awful, we struggled through them for two years before taking a leap of faith out), gave us money for food, helped pay my lawyer (it took ten years to get divorced due to child abuse that took place), gave me a car, I could go on. If you are like I was, the thought of being dependent on others is so unpalatable you would rather do almost anything to avoid it. But here is what I have learned - one of the biggest ways God shows his love to us is through the people he brings into our lives to help us and bless us. Yes, it can be humbling, but the best humans are humble and gracious. You are becoming more of the person God made you to be. And in more recent years, I have had the good fortune of being in a position to help others. And it is one of the most amazing, joy filled experiences to be able to be on the other side of the giving, to be a part of what God is doing here on Earth! Knowing what it is like to be in need has helped me to be a more compassionate and thoughtful giver as well. So do not worry too much about accepting gifts. You are right, it will only be for a season. :)
Everyone should be able to feed their kids without stress. No need for anyone to apologize for that.
God’s blessings on youm