Path To Home Ownership

My homeownership journey started 14 years ago. I always wanted to own my own home, but I had barriers such as poor credit score, collections, high student loan debt and debt to income ratio issues. I moved from Michigan to Maryland in 2012, and I met Carol Riggles and learned about the Purchase Repair Program in 2015.

I attended various workshops sponsored by IHA and I learned how to clean up my credit, reduce debt, budget and spend better. I worked on those areas over the years which led to me maintaining a good credit score in the seven hundreds for the past few years now. I also had situations while renting with 2 different owners not paying property taxes causing the houses to foreclose. The final situation with the place I was renting last, the owner was selling the triplex house without notifying the tenants, and the new owners raised the rent by $480 a month if I continued residing there. They would not be extending my month to month lease more than 2 months after my lease expired. 

Since I knew my credit history and debt improved, and I still desired to have my own home, I reached out to Carol again in October 2023, and participated with the Purchase Repair Program and finally one of my biggest dreams and goals came true being able to purchase and own a home in July 2024. This journey has been long worth it. I hope and pray this inspires others not to give up on their home ownership dream.

If you know someone who has faced similar challenges, please share with them information about our

Purchase-Repair Homeownership Program.