Hood to Homeownership: How I purchased my first home

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If you are reading this then it is CLOSING DAY (3/27/2017) and me, a single mom of five children, has transitioned my family from the hood to homeownership! Another one of God’s many promises has yet again came to pass! All Glory to the MOST HIGH!

In all honesty, I chose to start writing this blog while many things were still up in the air. The bank is currently reviewing all my information, verifying everything and anxiety riddles my body the moment I open my eyes in the morning. My house is a wreck because I started packing my first box during the kid’s winter break nearly three months ago with no concrete plan I just knew God showed me that we were moving in #2017. A house for my family was in my dreams and it was on my vision board last year. I just had no idea how God would line everything up and put the keys in my hand for my own home.

I have lived in public housing with my troops for about nine years. I moved in with “a five year plan” and needless to say my plan didn’t quite work out the way I thought it would. In my 20’s my plan was simple…I wanted to go back to school, get a degree, and buy a house! Boy, did I have a lot to learn. Now over 30 and two degrees later I found myself discouraged by a system that was put in place to so called aid in the self sufficiency of those of us who live under that invisible line of poverty. I will have to do a whole blog post on public housing (the good, the bad, and the ugly) because I can go on and on about the flaws of that system…but this ain’t that lol. This is my testimony of our journey from the Hood to Homeownership!!

After graduating with a degree in Social Work in 2015 I decided my next step would be buying a house. At that time I had two part time jobs and less than perfect credit, in my mind there was no way anyone was going to give me a house. I started praying and I heard God’s instructions to contact a financial advisor and get more information about my credit and homeownership. So that is what I did. On Saturday mornings, my only day off, I woke up early to take classes and educate myself on credit and what banks are looking for when you apply for a mortgage loan. I became well versed with the details of my credit report and worked on my few credit flaws. It really wasn’t as difficult as I thought it would be I just needed to know where to start. The financial advisors weren’t miracle workers and there was plenty I had to do on my own but they were very smart and provided guidance regarding financial options and mortgage information. Within months, yes months, not years, I was homeownership ready.

It seems like it all happened so fast I couldn’t believe that the next step was to start looking for homes. While I browsed online at houses the term “pre approved buyer” kept coming up. I needed to get a bank to say my credit was worthy and pre approve me so I could know my price point. From that point it was on and popping lol. It was exciting and scary all at once. I was happy one moment and overwhelmed the next. This would be a perfect place to insert how the devil works. I had to come to the conclusion that the devil was trying to play with my emotions and not allow me to be excited about God’s blessing. This opportunity didn’t just fall in my lap and it wasn’t a spontaneous decision. God showed me a vision of my family living in a home of our own. He gave me a plan and directed me to people who were knowledgeable and I was obedient and this was one of His many promises for my life. EVERYDAY I fought to dismiss the enemy’s doubts. Fast forward to me finding my new home, being connected to a wonderful black female realtor, negotiating with the seller, the loan approval from a major bank, home inspection, paperwork, securing homeowners insurance, the to do list goes on and on. However, it has all been worth it and it is doable. I closed within two months from start to finish with no complications. God and I was able to work closely with all these professionals to make my dream come true. I found the house at the end of January and received my keys at the end of March.

Won’t He do it! Trust me, I could not have done this by myself. Don’t get it twisted I am not this holier than thou person who claims to live a perfect life. Sometimes I don’t even feel worthy of the blessings I receive. This homebuying journey has showed me a different side of God. He ceases to amaze me and when other people on the outside see things happen for me it always comes with a level of speculation or scrutiny. Wondering how this happened…thinking someone handed me something…or I ran some kind of game to get what I have…lol the hate is real but let me ease everyone’s mind and tell you it is ALL GOD. His favor blows my mind too!

Hood to Homeownership isn’t about location it’s a mentality. Everywhere I move is considered “my hood” because I live there and this home is a dream come true for me and my #Troops. This home is not just my starter home. This home is a blessing along the journey to show my children that it is not always about how you start it is about how you finish. God will take you from glory to glory if you try to do the right thing, honor Him and your heart is good. You don’t have to steal, cheat people, or do illegal things to get ahead. Doing “the right thing” may not be popular BUT GOD definitely recognizes his soldiers and will supply all of our needs. I am not naive enough to think that this is not a HUGE responsibility especially for a single woman…trust me I’ve considered it and almost shut the deal down because my anxiety has been on a million. Some days I wake up with my joy overshadowed by the what ifs of homeownership..but THE DEVIL IS A LIAR! God did not bring me this far to let me go and when much is given much is required. I am already looking forward to the future and seeking God on His next move in my life!
My troops are just as proud of the house as I am. We prayed about this house together and now this is OUR home foreal…MY NAME on the property title is great but seeing the excitement on their faces is what it’s all about for me.
In the words of Ne-Yo and Jamie Foxx “I love her cause she got her own”.
(My theme song this season in my life) 🙂

Joshua 24:15
But if serving the LORD seems undesirable to you, then choose for yourselves this day whom you will serve, whether the gods your ancestors served beyond the Euphrates, or the gods of the Amorites, in whose land you are living. But as for me and my household, we will serve the Lord.

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2 thoughts on “Hood to Homeownership: How I purchased my first home

  1. Tameika says:

    Awesome testimony. You are an inspiration to young black single moms. And I so glad you’re humble. Some of us forget where we came from and the struggle that we once faced trying to believe that we are indeed worthy. Its best to guide through example and empathy when dealing with those that are fragile, not with disdain and aggression. You are a blessing to many around you . Congratulations

    Liked by 1 person

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