I met Aniee last year--she called on one of my listings, looking for something she could purchase as a lease-option.  I could tell right away she was a 'can-do' kind of a person, her enthusiasm and sparkle (yes, I said sparkle!) virtually crackles right through the phone when she's happy.

Today she's not so happy--after over a year of painstakingly cleaning up a few minor credit issues, paying some things down or off, applying for CDC down payment assistance and attending the classes, having several offers fall through becasue the houses would not pass FHA or CDC inspections, AND after waiting six months to get an answer on our last offer--a short sale...

after all that...

Now, her mortgage broker says the only way she can get a loan is by coming up with 3.5% down on the house--the requirement for any FHA loan, one which she was told would not be necessary with the down payment assistance she's getting from the City of Largo. 

Aniee is a single mom, she's raising two kids by holding down two jobs while she also cares for her elderly father who was diagnosed with cancer this year--on top of everything else, she runs back and forth to his house to make sure he's eating, taking his meds, doing his laundry, and taking him for chemo treatments.  One of the primary purposes of buying this house is to consolidate the two households so that she can better care for him without impacting her children.

I don't know about you, but to me Aniee is one person who deserves a little help, and deserves to own her own home.  However, she has used all of her resources to pay down debts and no longer has the money available for the down payment she didn;t think she needed.

I'm not sure yet how this will turn out, but if there's anything I can figure out to help her with this, I will.  Anybody else have any ideas?