How I Bought My Dream Home as a Single Mom of 10 With No Job | Moving Across the Country 

Retired mortgage underwriter here. Zero down loans are available under a variety of programs. They can be federal, state or local and have varying qualifying requirements. If the first lender says no, keep calling. Many lenders don’t bother because they might not be as profitable so try the larger financial institutions first. Income requirements can be met by any income source that is “stable”. If your income is from something other than wages verified with paystubs and W2s, typically you will need to prove stability with 2 years tax returns. There are sometimes exceptions like she mentioned 6 months check copies. She most likely had to prove her child support would continue for three years minimum with a copy of her divorce papers. She also mentioned she had excellent credit. To summarize, you can purchase a home with zero down as long as you have good credit, stable income and a can-do attitude. The savings requirement for 2 months payments cash reserves is not always necessary to qualify but you would be wise to require it of yourself. A good place to start is by taking a first time homebuyer course. You can find one in your area by googling first time homebuyer class. You can also google zero down mortgage loans.

You are not poor You are so wealthy only your wealth is not in the material. Your wealth is in the Lord, having your children healthy and happy and basic needs taken care of. Your resourcefulness is to be commended and always finding a way through all the challenges. Love your new home♥️

Considering your circumstances, you have a great attitude. I admire you.

Yes! Please share your miracles with us…it is so encouraging. I’ll share a small story. One day many years ago I was driving to work (a 9-5) and noticed everyone that I passed in their cars, on their way to work, seemed to have either a sad, mad, frustrated, bored, distracted look on their faces. So I started to bless them as I passed them. I would say “God Bless you” or “I hope you have a blessed day” (out loud by myself in my car😊) I then approached a 4 way stop and I looked at the car opposite that stopped and noticed his license plate read “BLESS U”!! I couldn’t believe it and I still fell blessed to this day!!! ❤

Im so thankful you got the house! If you have any suggestions for healthy, frugal meals, please do share them sometime! Also, praying your channel flourishes and can bring a little income for you!

What a blessing your neighbors were when you needed the help.

I remember I went to the bank, after being widowed. I need a mortgage to buy a home.. The bankman looked at my papers, I had not received any widowers pension yet, just the child benefit from the state. Well your circumstances are dire, but they will not be forever, I will approve you. I got a job, a second job and for a decade I bought run down flats, houses and townhouses. Lived in them, did them up, and sold them for a profit. Until I built my own house in the woods of Norway in 2018. The most important thing for me was that the homes I bought was in the same shool district, so the boys had the same environment. Even if we moved 5 times in 10 years.🙂 You are doing great, I was thinking when you are tellling about the berries and other harvest you have - make jams, People love to buy farmfresh food, from fresh fruits and vegetables to eggs. I buy from local farmers here. Some have a makeshift store at their farm, some a self service stand and some delivers on my doorstep. My second job, which I still have, is as a board member in a building association. Back then I was the chairman, but I have stepped down, less responsibility and stress. Nice extra money.

Just two words to describe yourself and Family. 'Amazingly inspirational'. Take care God Bless🙏

So great that you are giving God the glory that He deserves. People need to hear what God does for his children. Ty for being bold! You are amazing. Continue spreading Gods love.

As a single mom myself, I too find your stories and lifestyle so inspiring! You are amazing! 😍

Hi from Wyoming! Love your videos. What amazing timing the lord opened up for your family to find this house.

Marci. Great story. Good for you. You will be ok. It will be difficult at times, but what life isn’t. My mother bought a house “finally” when I was 15 years old. This was back in the early 70’s, they weren’t giving loans to single mothers back then. The first house she bought, was in a field, dirty as can be. She had 3 children and no family to help her. I think the secret to her success is she had a “can do “ attitude always. Believed in God hand three kids that loved her as much as she loved us. She made lots of sacrifices . As time went on she bought 2 other little houses. She was thrifty as can be. I am so thankful for the way my mother raised us and she always loved us. It was always a team effort in our house. My mother lived to be 97 years old and always a single woman w/kids. Thank your for your story .

I had a home as a single mom on low income. I had a steady income and great credit. Please don’t think because you’re single that you can’t meet your goal of home ownership. It may not been have a mansion but it was a well loved home. ❤

Thank you for sharing, being honest, and transparent. Many content creators are not. Blessings to you and loved ones 🙏

I was a single Mom too. My son is married now and has a child of his own. God Bless you all! I love your channel.

Try a rescue mission or church food pantry to get extra food plus they also have toiletries. You are an awesome mom. Everyone should share these videos to help her out!

I’m happy you qualify for food stamps . You’ve more than earned the little help you receive.

Your story is very inspiring!

You are such a strong woman. Your family must be so proud of you. Things don't always work out how we want them to and you just have to come up with a plan B.

I am blown away by your tenacity! What a beautiful story and beautiful family. Looking forward to your MIRACLE story❤

I love how honest you are.

I came across this channel at random. I would like to think that I was sent here to get inspiration and encouragement so that I may make a move I have been struggling with for a while. You are a warrior! Please pray for me.

You are a wonderful mama. So proud of you!

Hi, it was very interesting to hear about you and your family. You must be a strong woman. Your story is so similar to ours. My mother became a widow at the age of 41, then she had 9 children. With the help of her faith in God and with the help of good friends, she bought a house and raised the children herself. When the children got older, they helped with money and many practical things. This was in the 60s. I wish you all the best for the future! It will be bright and good !

There's nothing wrong with reusing foil and baggies. I do it too because it saves money, and there's no reason to throw them away all the time, depending on what you've had in them. We don't eat as healthy as you but I do cook from scratch. Noodles tonight. 😊

Our God is an awesome God! 🙏🏻❤️

I admire your resilience and honesty raise your children with the knowledge you have done your best they will learn the good fight with the strength that one needs to succeed ❤

Your story is empowering for anyone going through tight financial and personal times. Thank you for sharing.

The truth is your smart and very wise with your money. Your wants don't outlay your needs.

I changed the door knobs on my house a couple years ago and still have the old ones. DM me if you would like them.

Don’t listen to anyone who is negative. I love the life you are living! I wish I could do what you are doing! ❤

Good evening Marcie ♥ Thank you for sharing your story!

What an inspiring story!! Isn't wonderful to see God move in a mighty way?!! I can't help but stand in awe of Him!! Congratulations on your home!! You have a beautiful family!! Prayers for the future ahead!! God Bless!!

You & your children are an inspiration . You are a strong woman. I hope your RU-vid Channel grows and you should also do Tik Tok. People will love your story & videos . Please keep them coming .

You’re simply amazing! What an awesome story!

Utilize the Dollar Tree for your personal care items. And household too.

You are an inspiration. I am a single mom with a story similar to yours. Thank you so much for doing these videos and sharing your journey. You give me such hope!

You are an amazing person! A wonderful mother! God Bless you and your beautiful family!

God is good all the time. You are an exceptional person. I love your uplifting channel. Not that it’s any of my business, ,but I’m so proud of the way you navigate and pivot through life. I’m also nudged to pray for the kids dad. What a mess he must be in. You all need a miracle there too.

God bless your family! You’re an amazing woman!

Thank you for sharing. God is so good.

What an adventure! Thank you for sharing.

Enjoying your story and watching your kids work and play. God provides blessings in abundance ❤️

Beautiful story!!!

I really appreciate your honesty and openness. I love your channel.

It's lovely to listen to you. Your positive attitude and the intent you keep on focussing are showing good results. Good bless🙏

Thank you for sharing your story. God bless you all.

You are such a sweet person and I will be praying for you and your sweet family🥰

Definitely do a miracle video, your life is so amazing 🙏🏻

Awesome family. Blessings!

You're an inspiration to so many. You're so right. God is good. I pray that many blessings for your family. Such a beautiful family.

I enjoy your videos and your family very much!

You have such an interesting story, are so succesful and you're such a very strong woman! I'm SO proud of you! God does provide!! I homeschooled my only child and what a wonderful experience it was. Especially to be home with her, to enjoy her every day. What a gift it was. She thrived and enjoyed everything! I love your house, yard, and lovely family. Great videos! Bless eacj of you!! Please keep sharing with us. 🥰

Thank you for sharing your story and tips! Btw, I’m a new subscriber!😊

You've done amazingly well, I have 9 children and so I know you are doing brilliantly and working hard. I pray for you to be able to stay there with your children. God bless you all.

God bless you and your family! Great story, I love it❤

New Subscriber here. Holy cow, your story is amazing and you are incredible. I have been watching your older videos to catch up on your journey!

God Bless you for doing what you do for your children. Things will get better. I’m sorry that your marriage didn’t work out. Being a mom for one child is hard enough, having 10 kids, you are my hero!! I’ll be praying for you for continue being blessed. Getting any from the government that you can get help, take it!!! Also, if you are LDS, ask your Bishop, he will help. I have good friends that are LDS and they’ve needed help. Don’t let anyone make you feel bad, they don’t know your story. God bless you!! ❤

Glad I found your channel. I’m glad you’re so happy now.❤❤❤

Love Your story Definitely inspiration and God's hand in Your move. And I am Thankful to be able to watch Your Family and be inspired by Your Family.❤

I can see the hand of God in this story!! So many miracles. I pray you RU-vid Channel grow. Keep looking for them miracles!! God Bless!

Your stories are a blessing as God intended them to be. I am really enjoying your channel and how you have faced so many challenges and overcome with God's help. You are meant to be here.. I have had 2 channels come up on my feed or been recommended this week, both Christian channels it is not a coincidence. Anna In Ohio

God Bless you and your family!

Adorable helper in the garden!!

You are truly inspiring!!! ❤❤

Hello you are a great mommy 💖😘 love your videos, besafe and GOD Bless 🌹❤️🙏🙏🙏

You're doing an awesome job!!

There’s supplies in your pantry, vinegar, baking soda, lemon juice, that works well for cleaning and even brushing teeth 😊 also if you’re feeling creative making your own soap and laundry soap is very economical.. I enjoy the challenge of making things so that’s how I know 🫣😂

Sounds wonderful, I am happy for your family

God will make a way

God is so good,I feel for you,I’m single as well,not always easy,God is with use he is always faithful,best wishes to you and your family,will be praying for you

When toothpaste is almost empty cut open it it still has some in it.

God bless you and your family

Inspiring story 😊

Dont you ever worry what people say. your doing what you have to for your children god bless you

Your video is inspiring! My husband and I totally feel that God opened the dogs for our little over 5 acres, here in West Point, Ca. The paperwork seemed to be endless but it all came through with no difficulty. We got our loan from my husband’s VA. We had to put down a down, but was surprised when we got it all back plus a little more. What a blessing that was. We were able to put a generator in with it. I look forward to watching more of your videos. Thank you for your time. God Bless❤

Yay! It sounds like blessings on top of blessings....

You answered my question :)

Love this video! You are resourceful, but I also recognize you must be a woman of great faith!

You are so beautiful, from the inside out. I can see it in your children's faces. God bless you, from one single mom (starting my own homestead journey!) to another.

You have a lovely spirit and I can tell you are working so hard to find ways to support your familiy! Have you ever looked into Virutal Assistant type jobs? They are remote and flexible, although you mentioned you might not have super strong internet at home to do a remote style job. Keep up the good work!

You are a brave women to start your life over again with 10 kids. Be proud of everything you accomplish, as we don’t know how strong and brave we can be until we have to. Your kids will learn things that will help them in later years that otherwise they might not of. There was 10 of us kids also and we helped my parents with expenses when we could. Every summer break from school we picked strawberries when they worked the fields. From elementary school and until I was 60 I worked. Only when I got laid off one year, or was on maternity leave, twice, were the times I didn’t work. I got my good work ethic from it. I also learned how to budget and save for what I needed. Much love to you and your kids. You got this!

I think you're a brave and wonderful Mom❤

I am not being nosey but, I have been in a similar situation. Why do you not apply for social security benefits for your children since your husband is “disabled”? I am sure he is not able to work where he is? You should be able to apply for Vocational Rehab as a displaced home maker or something like that. Also, I was a divorced single mom not by choice…his fiancée was tired of shacking up and everyone comparing her to me…lol…but, my attorney told me to go school since I put him thru college he could pay for me to go again. Omg..you would be surprised what you qualify for yourself and children. I realize you probably have a degree but, make it your job. I did. Now days you can go and get a degree and not pull out of the driveway but, you do need internet….Also, I would give you all my taxes to for life for food stamps and anything else. Draw them forever. No one deserves it any more than an honest, decent single mom. Get free medical help. Vocational Rehab literally paid for a woman to get her hair done as it was in knots and gross so she could go on a job interview. And a wardrobe to go to different job interviews. It was not cheap. So, they buy shoes anything you need that is honest. Apply for it all.. And I know people who worked from home for the big online company lets just say A. They made $15 an hour just answering the phone. I also checked on online jobs and there were quite a few jobs on there that were doable. you are an intelligent, strong woman. I am sure you will figure it out. But, there is so much help right now after Covid. And some of these agencies are on line. You should go back to be a teacher in grade school education as you would be a great teacher. I wish you all the love and luck you need. 2 more thing… please, propagate and sell blackberry bushes. People charge $5 for a rooted plant. You are in a goldmine for fruit trees. Elephant garlic…people have made a fortune selling cloves on Amazon. One person spoke about supporting their family selling elephant garlic cloves. I know as I paid her $30 for about 5 heads of garlic to plant and it’s passive income. I am sure there is a flea market near you at the very least. In my town, people grow and sell fall flowers and Fodder for decoration. I could go on and on. Lol

Hello, great info. I’m in SC so welcome back to the south.

very well thought out how you managed everything! Admirable! And whoever comes into action in this way also receives God's help and the nicest people....

Wonderful video. It's brutal sometimes being a single mom, but God's blessings were abundant. I was looking at your Sunflowers and thought maybe you could have a flower and/or plant stand. Sell bunches of flowers, plant plugs, plants, and volunteer bushes and trees. God bless you on your adventure.

Thanks!

Great video

You’re amazing and such an encouragement of faith! Truly inspiring! Can you link where you sell your curriculum, I’d love to check it out!

True heart Momma . If God be for you who could be against you. God had a plan for you and the children . Prayers and blessing on you for all your income needs. Blessings on each of the children.

Everyone, please "like" her video and feed the algorithms to help her channel be seen by more viewers. The more views, the better for her and her family.

I can see how God helped you and led you and how things worked out every bit of the way.

I love your attitude and the things you are teaching your children. May the Lord continue to bless your family. I hope your channel continues to grow and bring in some income for you. Are there things you really need that your viewers could gift you with? You could do an Amazon wish list and if people feel led to bless you they could.

Look at Our Oily House here on RU-vid or go to their website by the same name. She makes all here laundry soap, shampoo, dish soap, toothpaste, etc. She is a family of 9. Just an idea for low cost toiletries in larger quantities than you can get at a grocery. 💚💚💚

everyone needs to hear your story. we are so spoiled in America. I'm glad we live in a country that has been so blessed, but we take it for granted everyday. just about everyone you meet feels entitled and all that is getting ready to come down. America is going to be judged for turning her back on the God of heaven and earth that blessed us. I pray everyday that i will be thankful and grateful for everything i have and try to help and share with others around me. May God bless you in your life and i know he will help you. read Isaiah 41:10 that was the scripture he gave me when my husband died. he HAS helped me and strengthened me and he will do the same for you.

Wow Proud of ya

God always looks out for us!

Thanks for sharing your story. Besides the wood stove, what heats the first floor? Is it a forced air furnace where you have air coming out of vents or a boiler where you have heat from either steam or hotwater coming out of radiators by the windows? Is your water heater gas? I can’t live without air conditioning.

Bless you and your family! Super big in awe of you and how you manage your household and all the kiddos by yourself. Not my business but I feel a bit angry towards your ex husband hearing that he kept some of the stimulus money and all that you had to sell and scrape together to move and get a good place for you and the kiddos. Not my business BUT bothers me for you and the kiddos. I love you videos and you allowing us inside to see your family. You all are so sweet. Annnd your planning skills are superb!