Rafi first reached out to me after seeing my FB story about how I helped Emilia, a single buyer, secure her 3-room flat. At that time, his situation was tough — he was working as a food delivery rider, his wife was on an LTVP and not working yet, and they were living in a rented flat under his mom’s name with their four growing children.
He asked me a simple but heartfelt question: “Bro do you think I have any chance to give my family a home of our own?”
But things weren’t straightforward. Rafi was under a bank loan restructuring program with two more years left, which made getting any housing loan extremely difficult. This was a genuine case that needed real guidance — not just a quick “no” like what he had heard from other agents.
I sat down with him and mapped out a clear, realistic path forward:
- secure a permanent job so he can qualify for an HDB loan
- prioritise clearing his remaining debts
- renew his wife's passport and LTVP
- eventually get her employed too, to strengthen the family's income
- understand how CPF can support the journey
By the end of our conversation, he thanked me — saying most agents had turned him away once they heard his situation. I assured him that I will be there to walk this journey with him, no matter how long it took.
Fast forward two years. Rafi called me again — this time with good news. He had a stable, permanent job… and his wife had become a PR. That was the green light we needed. We met up, re-assessed everything, and moved forward with confidence.
Today, Rafi and his family are proud owners of a 4-room flat, conveniently located near their daughter’s school and close to his sister’s house — making it easier for his mom to visit too.
Seeing the smile on his face, and knowing how much this home means for his children’s future, reminds me why I do what I do. This profession isn’t just about homes — it’s about changing lives, one family at a time. 💛🏡✨
If you’re unsure about your situation or feel like your chances are low - it’s okay. Sometimes you just need someone to show you the path. DM me anytime. I’m here to help.
Another family, another home, another dream fulfilled.