My parents are getting divorced. My mom is miserable because her husband is an alcoholic. They've been to marriage counseling and all that for a few years, and it's just not working.
Anyway, she is a waitress, and does not have a lot of money. The main source of income was from her husband's job. Does anyone have an idea on how she can find a home of her own that she can afford? She does not have education, so waiting tables is really the only job she believes she can do. I'm working on trying to find her a better paying job that I know she can do, but are there any assistance programs out there to help her find a home of her own that she can afford on a very low income? She is 46 and both her children are grown and have their own homes. She does not want to come live with me, I've already offered. Any ideas?
Thanks in advance.
2006-11-10 02:36:55 · 7 answers · asked by Anonymous in Business & Finance ➔ Renting & Real Estate
They own 5 acres with a mobile home on it worth about $75k. They want to sell it b/c they can't decide on who will get it in the divorce.
2006-11-10 04:28:08 · update #1
The problem is that, unless she's disabled, her income is probably not going to be high enough to allow her to purchase a home. If she and her son-to-be-exhusband owned a home, she might be able to use her share of the equity from that home to purchase a place to live, if there is enough equity, depending upon the terms of the divorce..
She could look into low-income rentals, known as Section 8. Unfortunately, she doesn't have young children living with her and she's not yet elderly, so she may not qualify for that either.
Her best bet would be to contact the local welfare office and ask them for any assistance or leads that they can provide for low-income housing.
Good luck!
2006-11-10 02:49:53 · answer #1 · answered by Mama Pastafarian 7 · 1⤊ 0⤋
There a a great many programs available to assist homebuyers with limited income. But there is another issue here if she is on the loan for their current home. If she is, she will not qualify for financing on a new home unless she can qualify for both the current house payment and the new one unless she has copies of the last 12 cancelled checks proving he is making the payments post divorce. Although the divorce may award the property to one spouse or the other, that has no bearing on the responsiblity for payment on the note the property secures.
Sorry to be the bearer of bad news. She may have to wait a year.
2006-11-10 02:46:20 · answer #2 · answered by Anonymous · 1⤊ 0⤋
There are people who own homes these days and can not sell them. See if you can find a landowner that would be interested in a rent to own situation. Your mother would rent a home- pay rent- plus a little more, the little more would go towards a down payment. When the little more adds up to a agreed upon amount, your mother would take over the payments on the house and ownership. I would suggest your mother look into a house that she can rent out a room or rooms to reliable tenants. Then they are actually paying off the house for her. Contact realtors to suggest this.
2006-11-10 02:45:40 · answer #3 · answered by weswe 5 · 1⤊ 0⤋
I would say to check with the Social Service Agency in your county.
There is also a WONDERFUL organization called "Women in Transition". Search for one in or around your area. Even if you have to drive a little, they're totally worth it. My sister's husband (or as we refer to him, "scumbag") left her about 10 years ago for another woman. My sister is disabled, (MS) and in a wheelchair. I answ found this organization at the local YWCA and the resources they have seem to be endless. Their mission is to provide women who, through divorce, separation, death,illness etc find themselves having to provide for themselves and/or their families many for the first time in their lives. They help women get back on their feet financially and emotionally.They do all of this free of charge. I attended divorce seminars(given by attorneys in the area, so you know you're getting good info) for my sister, they offer job training, legal services, housing, child care, you name it, they have it (or so it seemed) If they don't have aner, the people there get one. They are amazing. Good luck to you and your Family. I hope you find what you're looking for and what you need.
2006-11-10 02:52:41 · answer #4 · answered by N0_white_flag 5 · 0⤊ 0⤋
Has she bought any property or paid property tax in the last three years? I need to know, or I can't help.
2006-11-10 02:40:40 · answer #5 · answered by Jenny 2 · 0⤊ 0⤋
Contact a realtor.
2006-11-10 02:38:46 · answer #6 · answered by ACTiNGisLiFE 3 · 0⤊ 0⤋
http://andycaine.askexpert.hop.clickbank.net
2006-11-10 07:03:41 · answer #7 · answered by SAMMY J 1 · 0⤊ 0⤋