How I Bought My Dream Home as a Single Mom of 10 With No Job | Moving Across the Country
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- Опубліковано 26 чер 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
What a blessing your neighbors were when you needed the help.
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.
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 😊
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.
Just two words to describe yourself and Family. 'Amazingly inspirational'. Take care God Bless🙏
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.
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!
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.
Hi from Wyoming! Love your videos. What amazing timing the lord opened up for your family to find this house.
Your story is very inspiring!
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.
You are a wonderful mama. So proud of you!
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!
Thank you for sharing. God is so good.
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.
What an adventure! Thank you for sharing.
Our God is an awesome God! 🙏🏻❤️
Enjoying your story and watching your kids work and play. God provides blessings in abundance ❤️
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.
Thank you for sharing your story. God bless you all.
God bless your family! You’re an amazing woman!
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♥️
I’m happy you qualify for food stamps . You’ve more than earned the little help you receive.
You & your children are an inspiration . You are a strong woman. I hope your UA-cam Channel grows and you should also do Tik Tok. People will love your story & videos . Please keep them coming .
Beautiful story!!!
Utilize the Dollar Tree for your personal care items. And household too.
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. 🥰
Your story is empowering for anyone going through tight financial and personal times. Thank you for sharing.
You are such a sweet person and I will be praying for you and your sweet family🥰
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 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.
Definitely do a miracle video, your life is so amazing 🙏🏻
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.
Don’t listen to anyone who is negative. I love the life you are living! I wish I could do what you are doing! ❤
I enjoy your videos and your family very much!
Adorable helper in the garden!!
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 🫣😂
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.
God Bless you and your family!
Awesome family. Blessings!
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 !
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!
Thank you for sharing your story and tips! Btw, I’m a new subscriber!😊
It's lovely to listen to you. Your positive attitude and the intent you keep on focussing are showing good results. Good bless🙏
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.
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!! ❤
I really appreciate your honesty and openness. I love your channel.
God will make a way
God bless you and your family! Great story, I love it❤
Hello you are a great mommy 💖😘 love your videos, besafe and GOD Bless 🌹❤️🙏🙏🙏
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!
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.
Sounds wonderful, I am happy for your family
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.❤
You are truly inspiring!!! ❤❤
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.
You're doing an awesome job!!
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!
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!
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....
Great video
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!
Tak!
Thanks!
Oh thank you so much! You're so sweet!
I can see the hand of God in this story!! So many miracles. I pray you UA-cam Channel grow. Keep looking for them miracles!! God Bless!
I think you're a brave and wonderful Mom❤
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.
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.
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. ❤️
Dont you ever worry what people say. your doing what you have to for your children god bless you
How do you have health insurance? Do you have a P.O. box? (which would cost money but some viewers send gifts). What about sponsorships?
We have medicaid. I don't have a P.O. Box but Madalyn did look into it for me. Maybe I'll get one next time I go to the town that has a post office. I do have venmo. @marcie-holladay-1 What is a sponsorship?
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.
So many people are asking questions about her ex. I believe someone mentioned he's disabled. She may not be allowed to share such private information about her ex to the youtube world.
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.
Thanks for sharing your story.
Besides the wood stove, what heats the first floor? Is it a forced air furnace where you have air coming out of vents or a boiler where you have heat from either steam or hotwater coming out of radiators by the windows? Is your water heater gas?
I can’t live without air conditioning.
The heater is forced air furnace. Yes, water heater is a tankless gas water heater. That is a miracle story I need to share!
I’m interested in your homeschool lessons. Where can I find them? Could you do a video about the lessons?
Bless you and your family! Super big in awe of you and how you manage your household and all the kiddos by yourself. Not my business but I feel a bit angry towards your ex husband hearing that he kept some of the stimulus money and all that you had to sell and scrape together to move and get a good place for you and the kiddos. Not my business BUT bothers me for you and the kiddos. I love you videos and you allowing us inside to see your family. You all are so sweet. Annnd your planning skills are superb!
jennifertheobald9823.... I feel it's ok that her Ex kept some of the stimulus $ cause I went through a similar experience. But, God blessed me later in ways that repaid all I lost plus some. God always provides for His children. It all works out and forgiveness is the key. 🙂
You're so right! God always provides for his children. I love that you saw that god blessed you later in ways that repaid all you lost plus some. That's incredible! And amazing that you noticed it. That's what makes more miracles come is when we recognize His hand in it. I wonder if I was later repaid all plus some. I never stopped to think about it before, but I think I was! The next year I filed taxes by myself and got all of stimulus #3 which was a lot. And just considering I got all the kids and my mental health and ability to make a great life for ourselves and he has none of those things, I came out the winner. I've always felt sorry for him.
@@singlemomonafarm What a wonderful example you are of living a victorious life, not a victim life. (Although I will not assume what you feel like, but your videos and attitude are inspiring.)
@@singlemomonafarm I had a friend that went through a similar situation although she only had 5 children 😊 she was also a stay at home mother although she did not have secondary schooling or drive. Her husband started changing slowly. He was later diagnosed with Schizophrenia. He was in and out of hospitals. They would get his medication regulated and after a bit he would feel like he didn't need it anymore and stop taking it. I have a degree in Substance use disorder and we briefly went over Mental health and basically which came first a drug addition or mental health that was never diagnosed and was being self medicated. It is a very narrow line. I am not saying your husband used drugs by the way. My point is one of my teachers has a son who was diagnosed with Schizophrenia and did use. However, right before I graduated she came to class and something was different. The weight had been lifted off her shoulders. They had a new medication and I want to say it was a shot that they get once a month. She said it gave her back her son! I do not know what your ex-husband is going through but they are doing so much in that field that there is hope. And hopefully later in life if you and your children feel having a relationship with him would be good you would be able to do so.
Being a single mom is difficult but you get a big shiny star Marcie! You are so full of grace and your love of God shines through everything you do! You are an inspiration to a lot of woman! Stay Blessed!
God always looks out for us!
I know in Texas they have virtual school and hire teachers. Maybe there's something like that in your state?
Or even self publish some of upir curriculum through Amazon. Or even your tips on saving and living below yoir means. There's a lady her channel is Preppwr Princess and she has an Amazon book on living below the poverty level or something. Anyways just some ideas, thoughts. Thank you for sharing!
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.
God’s blessings on youm
I can see how God helped you and led you and how things worked out every bit of the way.
Do you have a post office box for people that might want to send you gifts? You could even have it in a different town if you are trying to keep your location private.
I’ve really been enjoying your videos and would love to know how you are making money now. I am a homeschool mom and would love to make some money while keeping our homeschool first
Wow you are brave and creative 😊. Sounds like there are great assistance programs also for you. Hoping your channel grows large and you can earn an income from UA-cam. I’d love to hear about your miracles 😊. Do you ever thrift for items or clothing? Would love to see a video with you thrifting if you do. I just found your channel and will subscribe.
Would USDA loans have worked with nothing down?
Does anyone know if this is possible in Canada?
Look at Our Oily House here on UA-cam or go to their website by the same name. She makes all here laundry soap, shampoo, dish soap, toothpaste, etc. She is a family of 9. Just an idea for low cost toiletries in larger quantities than you can get at a grocery. 💚💚💚
God bless you 😅 ❤
you are amazing and so is God
❤❤❤
At Home with Willow Berry is the channel I meant to type. They live in the Virginia Mountains and have 3 boys they might "hand me down" or hand you down some stuff. You should PM her!!!!
What an amazing journey! God is so faithful! You are a wonderful Mom and such a hard worker. So glad you receive food stamps. Are there any food pantries near you? I think they also would be helpful to you. Also utility companies may have programs that would benefit you. God bless you! ❤️🙏🏻 Val C
We did get help with electricity in the summer but it stops when the child turns 6. I guess they don't care if older kids and moms are hot, but if there's a little kid she can't be hot, haha. It's ok. I want to do it ourselves anyway and be receiving less help.
@@singlemomonafarm Some states have a program if you own your home and are low income. It is called energy efficiency program or something like that. My husband is an electrician and worked for one in Wyoming. They test your house for everything that leaks lol. So they could give you all new windows. A new refrigerator. New Insulation. Possible a new wood stove that is better for the environment but more effective at heating your home! At no charge to you! Google and see what you come up with. You also may qualify for a discount on your property taxes being low income.
I didn't look but on your wood stove do you have a fan that when it gets hot it blows the air or a tea kettle? moist air is warmer than dry air I believe.
Girl food stamps are for moms exactly like you! We all need a little help and this is a blessing from God.
I totally understand that it’s private, but if you ever want to explain how your ex husband thought he should keep some of the stimulus money I would be here for that story.
He said he was working and claiming the kids on the taxes. (They went by 2020 taxes and we were still married and had filed jointly so the check was made out to him.) It was a fight to get what I did and I was mostly fighting for my college kids to get their share since they were paying for everything themselves. Because at least I thought he could agree to that. I try to avoid confrontation or arguments so I was happy to get even a little bit or even none if I couldn't. I knew I had a better life than he'll ever have because I had the children and my mental health and knew how to make a good life for myself. I knew he wouldn't have his job for much longer (he was trying to do his own medical practice since he wouldn't work with anyone else but he couldn't do it.) The next year was stimulus #3 and I got all of it since I filed my own taxes. So I'm happy about that.
How is your husband getting away with not paying child support
@@bobbiel5674 Her husband is not working currently. He is in a hospital.
Do they see their dad? Where is he?