That's right, I didn't give up. I said with the
help of the Lord, I do want a modern home. I'd look at other
people's houses, then I'd think back over my life
how we was poor and come up. After my husband paid me off, I took
$900 and give it to my brother and said, "Go down
there and buy that …" I thought it was going to be
that lot up there on the corner. When he come to see about it, Watkins
said that lot was sold. So he came down here, my brother
did—all back there weren't nothing but
woods—there weren't a house back there, just those
houses up there and then one house up there across the street where Mrs.
Culbertson live. But he came and picked this lot here. I
didn't much like this lot, but he said he liked it, so I just
let him go and get it. The lot was $875. I had his name on my
bank book. Give him my book and told him to go head and draw the money
and pay cash for the lot, so that's what he did.
That's how I got the lot. Then I had to work and save money
to get the down payment. So I did that. He said, "The only loan
we can get will be FHA." I didn't want that because
it took so long, but I didn't have enough money to pay for it
the other way.
Page 29 The bank loan give two-third for
it; you have to have the third. But I didn't have a third. I
had to accept the FHA plan which was $11,050 that I would have
to pay and the FHA took up the rest. So that's what happened.
Them twenty years, from '55 till '74, and that was
it. But when I got sick, my brother came down here—supposed
to carry me to the hospital that morning for X-ray—he said to
me, "I want to see your loan book." I was down to
$974. He said, "I want to check your book."
So he come and got me and carried me to the hospital. He said,
"I'll come back and pick you up." The
doctor was through with me before he got back, but I was waiting
downstairs. It was pouring rain. He went on off, and when he came back,
I went on out there and got in the car. He give me the book, he said,
"There's your book. That's your
house." He paid the $974 cash on my book and give me
the book, said, "That's your house." So I
got through a year ahead of time which made it nineteen years, but by
him paying ahead of time, I got $600 back. I asked my brother,
I said, "Do you want some of it?" He told me no, he
didn't want none of it. So that's it. I paid a for
it a whole year before the twenty years was out.