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The Garcia Family

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Megan and David Garcia are talking excitedly about the house they just toured when a car pulls up to the curb next to them...
"We want a place where we can just grow."

Megan and David Garcia are talking excitedly about the house they just toured when a car pulls up to the curb next to them.

“They’re doing great work there!” the neighbor shouts through her car window. She’s describing how Homestead is turning the once-bedraggled house—it had birds living in it!—into a great family home. “It will get a new roof, new windows, new siding, new everything,” she says.

It feels like a sign to Megan and David; this house is perfect for them and their kids. It has friendly neighbors, is close to David’s work in Seattle and is in the type of quiet neighborhood they want for their family. Even better, thanks to Homestead, this might finally be a house they can afford to buy.

Buying a home has been an elusive dream for the Garcias. With just one income to support David, Megan, 4-year-old Lex, and 2-year-old Lucy, it’s just been too expensive. Then they saw the house they were pretty sure they’d qualify to buy through Homestead. As their application was processed, they got an unwelcome surprise: their credit wasn’t quite up to snuff.

Megan and David knew their credit wasn’t perfect, but they took care of the big problems years ago. When they learned old problems were still preventing them from getting a mortgage, David grew frustrated. He wondered what they could be doing wrong.

They turned to Lindsey and Garbo in Homestead’s Homeownership Department to find out what they needed to do. After a talk, the Garcias discovered that fixing their credit isn’t just about paying debts; it means tough ongoing negotiations with lenders and collectors. Because they really want this home for their family, they got right to work calling and emailing, sending letters and paying bills. Through it all, they’ve been leaning on Garbo and Lindsey for support and advice, but doing all the legwork themselves.

Finally, after a few more weeks, Megan and David signed all the papers in May 2014. “The minute we got the keys and closed the door behind us, it was all worth it,” says Megan.


Watch this short video that our partner Wells Fargo made about the Garcias and how Homestead and our community partners made their homeownership possible.

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