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Home Loan Or Grant Advice To Help Disabled Widow Amputee Live Better

by Loisene Brooks
(San Antonio, Texas, USA)

I am a 70-year-old widow with a lengthy list of disabilities.

I am a homeowner and my son, daughter-in-law and granddaughter live in my home to take care of me.

My husband was in the Army for 20+ years and passed away in 1999. We had been married for over 30 years.

We have lived in this community for 38 years and love our neighborhood.

Disability Issues

I was diagnosed with diabetes in 1986. I tried managing my diabetes through a restricted diet and exercise.

When my husband passed away, I neglected myself and was diagnosed with high blood pressure.

In September of 2008 I had to have an amputation of my right foot, and was in a nursing facility for rehabilitation.

Due to the extreme amount of antibiotics that was administered to me before my amputation, my kidneys failed and I now have to receive dialysis three times a week.

In February of 2009, I had to have my left foot amputated and am now a bi-lateral amputee and wheelchair bound.

Due to my diabetes, I have almost completely lost my eyesight and can only see shapes and shadows that are close up.

I try to maintain my blood pressure through medications and a stress-free lifestyle.

Financial Hardship

I receive my husband's social security and survivor's assistance through the military, and am totally reliant on my family to take care of my personal and financial needs.

My house was built in the 1970s and now needs a lot of electrical and plumbing repairs.

It is a one-level ranch style home and I am fortunate that there are no stairs, but it is not wheelchair accessible and we make do with what we were given.

I had to claim bankruptcy in 2002, which is making it very difficult for me to get a loan to make the modifications on my home to accommodate my needs.

I am fortunate that I have insurance through the military. It helps to pay for my medications, diabetic supplies, dialysis treatments and some medical equipment that I need.

The problem that I am incurring is my home not being functional for my family to take care of my needs.

My son is disabled. He also has high blood pressure and had kidney failure. Hr takes care of me while my daughter-in-law is at work.

She works part-time for the local school district and helps take care of me.

I was in a nursing facility for approximately six months and then found out that my insurance only covered 180 days of skilled nursing.

I didn't know that the facility was billing me privately. When I received a bill of over $17,000, I had to be taken home for my family to take care of me.

Income Efforts

I cannot work and am on a fixed income and as stated, am totally reliant on my family to take care of my personal and financial needs.

Due to my bankruptcy in 2002, it is making difficult to get a loan to modify my home to make it easier to take care of my needs.

Specific Needs

I am seeking either a grant or advice on how to qualify for a home loan to modify my home for my specific needs.

As stated, I a disabled widow and know that there are opportunities offered to assist me but I do not know how to reference those agencies.

Any help given would be greatly appreciated.

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