We are homeless living in hotels for over a yr. Our credit is bad! We need a home for our family of 5. How? Only have $500 left for deposit.

Asked by Mrs. Anderson, 20879 Sat Oct 29, 2011

We are living paycheck to paycheck paying $500 for the hotel room. We the hotel is in Germantown, MD. We have 2 elementary school aged children and 1 high school age. We have never owned a home but would like too!


The Andersons

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Jessica Hood…, Agent, Gambrills, MD
Sat Oct 29, 2011
My heart breaks for you and I wish I had a solution. However, I would think that you could start with a housing assistance program. Or perhaps there is some fabulous Landlord that will read this and bless you with a better place to live. Best of luck.
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Peter Thomps…, Agent, Frederick, MD
Sat Oct 29, 2011
Dear Mrs. Anderson,

Please call Advocates for the Homeless at 301.662.2003. They can refer you to a group in Montgomery County that can help you.

Have you contacted the counselors at your children's schools? Counselors are up on all resources to help families and can refer you to one or more housing groups that can help you. Once you are working within a group, the group will include education on how to become a homeowner.

Good luck!

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Annette Law…, Agent, Palm Harbor, FL
Sat Oct 29, 2011
You are approximately 1 year late with your question. But everyone must start somewhere.
Most communities have first time home owner or affordable housing initiatives. These programs will provide discount mortgages and the down payment for eligible homes. Nearly all of them require the prospective home owner to attend classes that teach maintenance skills, household management and setting up budgets. Some work in conjunction with organizations such as Habitat for Humanity and involve the prospect in additional activities such as the home construction process. As you can see, all of these require some lead time before you can move-in.

Call your city and county leaders to determine the programs that are available to you. You may even consider reaching out to a real estate professional for advise.

You would be well advised to be proactive. Cities and counties are all facing incredible budget challenges and you will need to press hard to prevail in this endeavor.

Best of success.
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