A DREAM COME TRUE
As dreams go, owning a home is the best one that could have come true for Linda. Not too long ago she was homeless. She went through many personal struggles that left her living in her car, with only the clothes on her back and searching for a new beginning.
“I honestly didn’t know what I was going to do,” said Linda. “I was also very sick.”
Linda suffers from a myriad of health conditions, the majority of which are manageable but not curable. For over two years she had no insurance and no place to go. She would often visit her son and his girlfriend – all the while hiding her problems from them. “I didn’t want to burden them,” she admitted. Once she was approved to receive disability benefits she began to look for housing. She was able to move into the small hillside trailer her son had lived in before moving out.
For four years Linda was able to have a place to call home but knew she couldn’t stay there forever. Before she even moved in, her landlord informed her that he wanted to sell the property. Feeling helpless, she didn’t know what she would do next. A friend encouraged her to talk with staff at the Foothills Housing Office and before she knew it, she was applying to own a home.
Foothills’ Affordable Housing Program as¬sists low and moderate-income households to purchase homes through homebuyer education classes and one-on-one hom¬eownership counseling. Foothills uses grant funds to provide assistance, and the family secures a very low interest loan to cover the remaining cost. Also considered in the selection criteria are income guidelines, ability to pay a mortgage, a willingness to work with Foothills’ Homeownership Counseling program, and expectations of long-term residency in the home built for them. KRFDC partners with funding sources including Kentucky Housing Corporation, USDA Rural Development, U.S. Department of Housing and Urban Development, and local lenders to provide this service.
“I really didn’t think I’d ever be able to own my own home,” said Linda. “I honestly thought I would have been back in my car again.” Her acceptance into the Foothills program excited her and finally gave her something to look forward to. “This came at a perfect time,” she says. “It was like winning the lottery. I was in shock!”
She was in even more shock when she learned she would be able to relocate to another county – a change she desperately needed.
“I was so tickled,” she said. “I needed a change of scenery – a fresh start.” Linda was able to pick her floor plan, paint colors, counter tops, vinyl flooring, carpet, shutters, and roofing.
She was overwhelmed when she learned her home came with new appliances. Linda has big dreams for her home in the future. She’s looking forward to having family and friends over; she envisions a fenced-in yard where her small dog, Lady, can play; she can’t wait to decorate. The possibilities are endless, as is Linda’s enthusiasm.
“I am so grateful for the staff and what they have helped me accomplish,” said Linda. “I don’t know what I would have done without Foothills. This house means the world to me. I am so proud!”