Ko waɗi kam e mettere am e Manzil.ca: udditgol ngol reelnaama, ɓe tinnini laabi ɗiɗi, ɓesngu am e nder otel, jooni mi ɗaɓɓii e dogginde ngam heɓugo ñamaande TD

Assalamu alaikum yimɓe fuu. Miɗo renndina ɗum e yeeso yimɓe sabu hannde ko 31 lewru Ut, ñalngu sakkitiingu ɗiɗaɓuru yaajnugol uddugol amen, Manzil haa jooni yoɓaani mortgage amen. Hay huunde heɓaani darnde. Jooni miɗo yaltoya Manzil, miɗo etoo heɓgo emergency mortgage conventionnel rewrude e TD ngam hisnude soodgol ngol. Kala ko les ɗoo woni ko jaɓɓaama e ɗereeji iimeel, konte, ledɗer trust, e binndanɗe goɗɗe ɗe mooftumi. Miɗo innita gollotooɓe Manzil jowitiiɓe heen sabu koo woni ko kawri e am tan. Yimɓe Manzil jowitiiɓe heen: * Faraz Islam * Fahad Saadat, Wakiil Mortgage * Mustafa Elkalza, CFO u/MustafaElkalza * Ahmed Sajath, Winndiyanke Min soodi galle to Oakville e njoɓdi $1,485,000. Kaalis Manzil rokkata ko hedde $1.185 million, e ñalngu uddugol jaɓɓaagu 18 lewru Ut, 2026. **Ko adii uddugol** Min puɗɗi laawol kaalis ko adii. Njoɓdi wiɗto ngoo ñaagiraama ko adii lewru Sulyee, o yoɓee ɗoon e ɗoon. Ñalɗe 22 e 23 Sulyee, Faraz Islam rokki min cuɓe kaalis, o haali laaɓɗum ñalngu uddugol ko 18 Ut. Ñalnde 7 Ut, Faraz neldi ɓataake jaɓɓagol e doggol yoɓeede. Mi ƴeewti ɗum, mi yiyti juɓɓe e ŋakkeendi nanndugol, hono: * Ñalngu jaɓɓagol ngol daɗnoo ko adii nde ɓataake o neldataa * Konnguɗi jiiɓɗi e sifaa limtooje ngam dogde e yaasi * Ballal ngal o huutoraaki “\[leñol gooto\]” * Laɓɓitaaki fii laabi lelnude e hakkeeji yoɓde adii Faraz wi’i ñalngu nguu daɗnoo ko juɓɓo binndol, korte ɗee mbaawi waasde hakkille, e sarɗiiji fuu-wiɗto, ƴeewndo, credit, tiitoonde-ngari. Min ciifi fuu, min mbaɗi kala yamiroore. Nde yuɓɓo anndinde Plaid Manzil jokki bonnude, min mbaɗtii haa feere woɗnde heɓi. Min ndokkiri kadi assurance. Ñalnde 14 Ut, ɓe mbiyi min neldan $259,537.80 ngam uddeede. Ɗum huɓɓondiri ko heddii e yoɓde amen, peewnugol, njoɓɗe njuɓɓudi, e njoɓɗe sariya. Min ndartini kaalis o fuu ñalnde heen, min ndokkiri seedantaagal ɗoon e ɗoon. Ñalnde heen, mi jeertini yimɓe fuu e binndol: >“Min ngoodi doggol ummaade ñalaande 18 kikiiɗe, kadi tenant gooto heɓtoto galle amen jooni ñalnde 19, ngam maaɗum min mbaawaa hisude hay seeɗa so wonaa noon min ngalaa nokku garanke.” Manzil anndi balɗe nay ko adii uddugol wonde so uddugol waɗaani, debbo am, ɓiyam debbo cukalel, e miin kam min ngalaa galle. **18 Ut: uddugol waɗaani** Rewɓe amen ɓe njooɗaama ngam waktu 2 kikiiɗe ñalnde 18 Ut. Kala ko min njogii ko haɓɓaama. Min mbaɗaaka anndinde haa 6:34 kikiiɗe-ɓaawo ñalawma uddugol oon ko timma nii fuu-wonde uddugol waɗataako, kadi yaajnugol ngol nani e jeewte. Min mbaylinooma galle amen gonɗo adii ngam tenant keso. Kaɓirɗe amen naatnaa e nokku mooftirgel. Debbo am e ɓiyam debbo cukalel ngari jooɗaade otel. Miin kam miɗo foti yahde leyɗeele dentuɗe Amerik ngam golle, ɓe ngoni ko e hoɗaade sahaa ɓe ngalaa galle. Sabu comti amen, leɗɗe, e haajuuji amen fuu ko haɓɓaama, ɓesngu am nani soodde comti, nyaamdu, e haajuuji goɗɗi. En kadi mbaɗi heɓde leɗɗe emergency sabu leɗɗe amen ngalaa heɓtaare. Ɗum wonaani hay seeɗa kewu doggol tokkingol. Ŋakkeende Manzil yoɓde mortgage acci ɓesngu am ɓe ngalaa galle tan caggal nde min ndartinii kaalis ɓurɗo $259,000, min mbaɗi kala ko ɓe njaɓi. **Jokkere enɗam ɓaawo ɗuum woni ko mettiini** Caggal nde uddugol waɗaani, noddaango ngoo heewi naatde e mesasuuji, iimeeluuji njaabaaka, hay gooto e Manzil wanaa tuugiiɗo walla hokki laaɓal feeñngal e ñalngu yoɓde keeriiɗo. Miɗo yiɗi wonde laaɓɗo e Faraz Islam. E nder ndeeɗoo sahaa goɗɗo, Faraz wondunoo ko e kewu emergency nder ɓesngu, ngam maaɗum mi felanaa mo wonde o walaa e oon sahaa. Nde o jaabii, o wi’i Manzil yoɓan no ko haani, o jaɓɓi caggal mum yoɓde ɓeydagol. Ammaa ɗum yaafanaaki Manzil wonde sosiyetee. Njulaagu ngu yiltoto mortgage $1.185 million, waktu mum haaɗii, mbaawaa tuugnaade e neɗɗo gooto tan. Mustafa Elkalza e woɗɓe ɓe ndoggi ɗereeji ɗii njanngi debbo am e ɓiyam debbo cukalel ɓe njaɓɓii otel, kaɓirɗe amen e nokku mooftirgel, e njoɓdi amen ɓeydotoo. Ŋakkeende maɓɓe jogaade, yaawre, e jokkere enɗam potal wonu ko semtugol. Ñalnde 20 Ut, mi neldi iimeel ngam humpitaade fii yoɓde, mi ɓeydii konte otel e nokku mooftirgel. Caggal nde hay jaɓɓaaka fuu ñalawma, mi neldi iimeel goɗɗo hollirde mettere am e nde ngoo waasgol hakkille. Faraz jaabii ñalnde 21 Ut: >“No min njiiri e noddaango, min mbaɗan yoɓde ɗum, min njoɓan on kaalis timmuɗo, Insha’Allah.” Ɓaawo ɗuum ɓe mbiyi min $7,541.14 ngam njoɓdi otel e nokku mooftirgel ndartinaama. Ha 25 Ut, kaalis o heɓaani konte am. Ñalnde 26 Ut, mi hawti e CIBC ko min hoore am. Ɓe mbiyi ɓe ngalaa binndol neldol ngol, hay huunde ndartinaaka. E oon sahaa, njoɓdi amen jokki ɓeydaade. Ha 29 Ut, mi winndii ko ɓuri $13,600 e njoɓdi otel, ummaade, mooftirde, nyaamdu, comti, soodugol ñaametee, e njoɓdi leɗɗe. $6,095.66 goɗɗi njolaaka caggal yoɓde arane ndee. Ñalnde 31 Ut, Faraz jaɓɓi ustude $6,095.66 ɗiin ɓeydaaɗe e njoɓdi njuɓɓudi Manzil. Jaɓɓagol ngool waylotaako wonde njoɓdi ndii fuu ummii tan ko sabu Manzil uddaani. **“Caɗeele logistik” e ɗaɗol dogdu** Ñalnde 25 Ut-yontere woɗnde caggal uddugol aranol-Fahad Saadat neldi “Kesɗitingol Yoɓde” laaɓtungol. O faamni: >“E mettere, min njogii caɗeele logistik goɗɗe ɗe njaɓɓataa min timmin yoɓde jooni.” O wi’i yoɓde ɗum foti yaɓde haa ñalnde Aljumaa, “wallaa Alati ko adii fuu.” Fahad ɓeydii fedde njulaagu Manzil, heen CFO Mustafa Elkalza, no woniri “ngam laaɓal e yi’ugol timmungol.” Oon iimeel faamninaayi: * Ko ɗuum woni “caɗeele logistik” goonga * Hol ko waɗi Manzil fodanii uddugol 18 Ut so kaalis heɓaaka * Hol ko waɗi min jeertinaaka adii min ndartinii $259,537.80 e haɓɓaade * Hol ko waɗi min mbaɗi anndinde tan caggal waktuuji njulaagu ñalnde uddugol * Hol ko waɗi Aljumaa e ɓaawo “Alati ko adii fuu” ƴetti, yoɓde waɗaaka Mi neldani Mustafa iimeel ñalnde 26 Ut, mi taƴi fuu: uddugol waɗaangol, debbo am e ɓiyam debbo e otel, kaɓirɗe amen e mooftirgel, leɗɗe emergency, njoɓdi ɓeydotooɗi, e yoɓde woodaande. Mi heɓaaki jaɓɓagol goonga e Mustafa jowitiingol e hay huunde. Jooni min njaɓii yaajnugol ɗiɗi. Manzil ndartinii $20,000 ɓeydaaɗe ñalnde 19 Ut ko woni e nder yaajnugol, wiyde ledɗer trust e seedantaagal binndol. Ammaa ɓeydagol yogaal kaalis addani mo yoɓde mortgage fodanaaɗo. Hannde ko 31 Ut, ñalngu sakkitiingu ɗiɗaɓuru yaajnugol ngu. Mortgage haa jooni yoɓaaka. **Min ngoni e eto hisnude soodgol ngol ko min ngoni** Hannde, mi fuɗɗii gollondiral e TD Mobile Mortgage Specialist ngam heɓde kaalis emergency. TD ƴaɓɓi daartol golle am, daartol jooɗaade, jawdi, ɓataake njoɓdi, ciimtol yoɓde, e kaayitaaji uddugol. Mi neldi fuu e nder waktu gooto. Jooni miɗo etoo heɓde mortgage conventionnel e dow emergency sabu Manzil waɗaani kaalis oo fodoɗaa. **Ko waɗi mi yi’i ɗum ko hedde fenaande** Mi wi’ataa wonde ñaawirde yiytii Manzil waɗii fenaande. Ɗum waɗaani, kadi gollal sariya waawi jokkeede. Ammaa e am, ɗum nanndi no feewi: * Manzil fodanii yoɓde soodgol ñalnde 18 Ut. * Faraz wi’i e binndol wonde wiɗto, ƴeewndo, credit, e tiitoonde ngartii. * Min ciifi kala ko ɓe njaɓi. * Min ndartinii $259,537.80 balɗe nay ko adii uddugol. * Min jeertini ɓe laaɓndam hisnde waɗaaka, ɓesngu amen ngalaa galle. * Min anndinaaka uddugol waɗaali haa ɓaawo 6:30 kikiiɗe ñalnde uddugol. * Ɓaawo ɗuum min keɓi “caɗeele logistik” laaɓɗe e ɗaɗol ngol jokki waylaade. * Aljumaa ƴetti. * “Alati ko adii fuu” wari, yoɓde waɗaaka. * Hannde, ñalngu sakkitiingu ɗiɗaɓuru yaajnugol ngu, min ngoni e yuɓɓinde kaalis emergency ko min ngoni. Manzil yeeyata ko e juulɓe pappanɓe feere wonaa mortgageeji aadaji jogiiɗi riba. Min ngoongɗini sosiyetee oo golloran e amana, goongɗinal, e udditgol. Ammaa, caggal nde min njoɓi njoɓdi mawndi njuɓɓudi e kaalis Manzil, ɓesngu am accaama e otel, kaɓirɗe amen e mooftirgel, miin kam mi jooɗii balɗe ɗiɗi ɓadiiɗe miɗo doga yimɓe ngam heɓde jaɓɓagol koyngol. Miɗo renndina ɗum ngam ɓesnguuji goɗɗi nganndi kulol ngol adii nde ngoongɗinii Manzil e uddugol galle mo waktu mum haaɗii. Mi mooftii daartol iimeeluuji fuu, ledɗer trust, nanondiral ciifondirgal, binndanɗe wire, konte otel, konte nokku mooftirgel, konte soodgol, e kaayitaaji yaajnugol. So Manzil luutondirii e hay goonga gooto tan dow, miɗo waawi hollirde binndanɗe ɗee. E sahaa renndinde: * Uddugol aranol ngol 18 Ut haa jooni waɗaani. * Yaajnugol ɗiɗaɓol ngol timma hannde, 31 Ut. * Manzil yoɓaani mortgage. * Ɓesngu amen haa jooni ngalaa galle. * Miɗo ɗaɓɓa kaalis emergency e TD. * Miɗ