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After he was forced out of the home he rented for 25 years, disabled veteran becomes a homeowner at
He arrived right on time, just as he always did, carrying the worn camouflage briefcase he brought with him everywhere.
Inside, he said, was his life. His Navy discharge papers and his complete medical history detailing the stroke that left him disabled, his checkbooks and the notepads he used for jotting down things he wouldn’t remember.
There was a cashier’s check, withdrawn from a bank that morning. It was nearly the sum of his savings, pieced together from disability payments and Social Security, but it was enough.
At 65, Gary Goodrich was buying his first house.
DOING THE IMPOSSIBLE
He put the briefcase on the floor next to him and the check on a table, where his lender and the agents and title company owner all gathered around a mountain of paperwork Friday morning.
“If you hadn’t pulled off this miracle,” Edwin Wyant, his agent, told Goodrich, “we all wouldn’t be here.”
“If you hadn’t pulled off this miracle,” Edwin Wyant, his agent, told Goodrich, “we all wouldn’t be here.”
“Oh, no, I didn’t pull all this off. It was all of you guys,” he said, and really, they were both right.
It started with an eviction.
After 25 years in a rented stone house in the woods in Haymarket, Goodrich’s landlord called.
The property was going to be developed. The stone house had to go. So did he.
Goodrich knew the day was coming, but still, he wasn’t prepared for it. And while there is never a good time to get kicked out of your house, this was a particularly bad time.
A stroke had left him unable to work. His only income was Social Security and disability pay.
Because he’d served three years in the Navy, the Department of Veterans Affairs provided his medical care. He was also a candidate for a VA home loan. Until his health crisis, he’d never imagined either scenario.
Goodrich can’t remember how he came across Edwin Wyant, a real estate agent with Long and Foster, but figures he must have stumbled across something online while looking for another rental.
When they spoke by phone for the first time in October, Wyant floated the idea of home ownership. The first thing they’d have to do was figure out how much Goodrich could borrow.
That was where Deneen Bernard, certified mortgage planning specialist with Affordable Home Loans in Stafford County, came in.
Goodrich had worked for years to get his credit score up, and he’d been successful. Still, he only qualified for a $110,000 home loan. Finding property in this region for that price is a tall order. Only a handful were even listed in that price range, Wyant said.
But there were some—Wyant says they visited four or five in all. Among them: A three-bedroom, two-bath modular home on nearly 14 acres in Orange County.
It was a foreclosure, and it needed some work. Goodrich didn’t qualify for a home improvement loan, and without the improvements, the VA wouldn’t guarantee the loan for the property. It was also listed at $15,000 more than what he was approved for.
That was where the listing agents came in. Brenda and Barzel McKinney of Touch of Sold Realty are veterans who once had a dream themselves. They wanted to build their own business, and now that they had, they took pride in helping others.
Barzel McKinney sent a team into the house to replace floors, lay down carpet, put fresh paint on the walls and install missing appliances.
The final appraisal came in at $134,000. The McKinneys agreed to sell it to Goodrich for exactly what he could borrow: $110,000.
Just like that, it all came together.
A FOREVER HOME
Everyone involved was gathered around a conference table at Freedom Title in Fredericksburg on drizzly, humid Friday. Jim Croson, the owner, had reduced his fees for the final transaction.
Maybe these circumstances seemed unusual, said Croson, who sat at the head of the table, with Goodrich to his right and the McKinneys across from him. “Over the last few years, there are more and more situations where real estate professionals come together for special situations and help out.”
A day before, on the eve of his closing, Goodrich offered his own explanation as to how it was happening.
“I just got lucky. I happened to step off in the right direction. They busted their butts,” he said of the crew who’d helped make it possible. “They talked me through every step. Now I’m going to sign papers on the very first home I’ve ever owned in my life.”
He was signing them, one after the other, as Croson explained what each one was for. Every once in awhile, Goodrich stopped to shake out his hand from the strain of so much writing.
Goodrich, who had spent the last month renting the house he was now buying, talked about meeting the neighbors, and a neighbor’s dog, and walking to a creek near his wooded property that was the perfect fit for him.
“It’s just so weird it happened so late in my life,” Goodrich said.
“But it happened,” Barzel McKinney told him.
“The good thing is nobody is going to knock on my door and say you have to leave because we’re developing your land,” Goodrich mused.
Croson slid another paper in front of him. “This one says that you will live in the house,” he said, explaining that some people will actually rent out a property they say they plan to live in, in order to qualify for a low-interest loan.
Homeless to Housed
Navy Vet received keys to her new home just in time for the holidays. After spending several months in the hotel and shelter this Navy veteran and mother of 2 received the keys to a Newly renovated 2 bedroom 2 bath home. The home was acquired and renovated by H2.
Homeless to Housed
Army Veteran received keys to his newly renovated 2 bedroom 2 bath home. After living in a hotel for several months Mr. J now as secured and stable housing and ready to pursue training and employment to get back on track.
Donna and Bobby Smith (Charitable Contribution of Real Estate
Donna and Bobby are siblings that have a heart for veterans. Joe Brown of Haven for Heroes contacted the Brown's and inquired about a property the browns had that was vacant and an eyesore in the community. He advise them of our organization and how we provide housing for homeless and low income veterans. Donna was intrigued and wanted to hear more. After our initial meeting and receiving information about the additional IRS benefits to owners while supporting our veteran. They elected to enter into a creative BARGIN SALE that produces a win win opportunity for all parties. Donna and Bobby's father served in the Army and they felt this was something he would have loved. So far they are amazed of the transformation and looking forward to completion and meeting the veteran families that will occupy the two units. The neighbors are also pleased with the results and positive effects of the community.
Duplex for veterans nears completion in Mayfield
A ribbon-cutting was held Wednesday to celebrate the near-completion of a duplex in the Mayfield neighborhood that will house two veteran families. The duplex at 315-317 McKinney Street was purchased and thoroughly renovated by a nonprofit organization called Haven for Hero’s Inc. that works to provide housing solutions and a pathway to home ownership for homeless and low-income veterans. This was the organization’s first local project, and more are planned. Speakers at Wednesday’s event included Fredericksburg Mayor Mary Katherine Greenlaw, Vice Mayor Charlie “Chuck” Frye Jr. and Haven for Hero’s founders Barzel and Brenda McKinney. The first veteran family that will move into the complex was on hand for the festivities.
