Grant Needed For Recovering Agoraphobic To Realize Homeownership Dream
(Reading, Pennsylvania, USA)
My name is Michelle. I am a female, aged 38. I am not married, nor do I have any children.
Except for my "critter companions" I live by myself and in the same city I grew up in.
I was an elementary education major and then switched to psychology. I always wanted to have a career where I helped others.
I really enjoy academic things -- I like to read, and I like to educate myself through television and radio programs.
I am a big science enthusiast, or as I like to call myself "a science geek." If you call me a geek, that is the ultimate compliment.
I enjoy baseball, which you can find me watching regularly. I also have an appreciation for older things -- TV programs, our history, and things of yesteryear.
I began to have panic attacks in the fall of 1996, when I was in college. I noticed that I was getting a few within a year, but they really started to escalate quickly.
I tried to continue in college, but it was getting harder and harder to attend classes. By early 1998, I entered into a period where I was housebound for six months.
I was able to bounce back from that, and then went back and forth between getting out and really taking a step back in 2001. I have been really struggling since that time.
I am able to visit some of my family members, be a passenger in a car and go a certain distance. It is very hard for me to go into public.
I can usually only enter places if they are relatively deserted, have a side entrance, and if I do not have to walk far. During all of this, my anxiety turned to my inside living as well.
For the moment, I am on a "better" trend, and I do hope to recover some day. But, it is extremely difficult for me to leave my home.
Right now, I live on a fixed income. So, everything is a hardship. What is making things worse is that I lost my job that I was doing from home. So, I lost even more income.
That caused me to lose my state insurance, which was paying for the majority of my services that I was receiving. I was having to pay a relatively large amount for my healthcare even before that.
I have a therapist that specializes in my condition, but I was having to self-pay. I cannot not afford that much with my current finances.
With regards to my housing situation, I am unable to do any large things that need attention. Generally speaking, you will need at least a thousand dollars for any household repair, and I just do not have those resources.
I receive SSDI and unemployment compensation currently. I am registered with my local OVR (Office of Vocational Rehabilitation) office to find a new job.
My church that I am affiliated with is relatively large and does not generally help people with individual assistance.
Right now, I am looking for some sort of loan or grant that would allow me to purchase the home I was living in, and more importantly, to do the repairs necessary to have it be up-to-date, and functioning.
The house needs electrical work, and repairs to the ceiling, new drywall, etc. There are a lot of cosmetic things to do, including new walls, new carpeting.
I really would like to live in this home.
The only other option for me is to move into public housing, where I would have to lose my companions. But, in the long run, home ownership is beneficial for me for numerous reasons.
It would allow me to live in a place where I would not have to lose my companions. It would give me the space I need to live comfortably and thrive.
I have exhausted all other resources. Everything is a catch-22. If I apply for a loan, they are asking for collateral, which I do not have in the form of a home.
I need to be able to own a home in order to do those things.
I have approached the local charitable housing organizations here and I do not fit their criteria.
I really need some sort of loan or grant that would allow me to do the repairs needed to live in that home.
This is truly my desire, to become a homeowner, have a sense of true pride in my home and continue on the path to recovery.
I am willing to do whatever it takes, and I am willing to pay it forward in order to achieve my dream. I feel that if I were to benefit from the assistance of others, I will make sure that I do the same thing.