Inside her late grandfather’s mattress, Brooke uncovers a stash that shatters everything she thought she knew about her parents’ death. But this hidden secret doesn’t just affect her; it threatens to destroy the entire town.
Brooke stood in the doorway of her grandfather’s bedroom, her nose prickling as memories flooded her mind. Her breath came in unevenly as she remembered all the times she had visited him, almost hearing Granddad Charles’s hearty laugh echoing through the halls.
“I can’t believe he’s truly gone,” she whispered, running her hand along the old oak dresser.
For illustration purposes only | Source: Midjourney
The room smelled of old books and the faint scent of Granddad’s favorite pipe tobacco and his signature Aqua Velva aftershave.
After a moment, Brooke’s eyes fell on a framed photo of her parents on the nightstand. She was truly alone in this world now, as they had died years ago in a freak car accident.
As she began the daunting task of sorting through Granddad’s belongings, her mind wandered to how Granddad had never allowed anyone to touch his bed.
“Don’t you ever touch that mattress, young lady,” Granddad would say whenever Brooke jumped and bounced on the surface as a child. “It’s got more secrets than you can imagine.”
Now, standing before that very bed, Brooke felt an irresistible pull. She lifted one corner of the mattress, figuring that any secret would be hidden beneath.
She didn’t actually expect to find anything, much less something that would change everything. Beneath the mattress lay a small leather-bound book, yellowed newspaper clippings, and a stack of photographs.
For illustration purposes only | Source: Unsplash
“Oh, Granddad,” Brooke breathed, “what were you hiding?”
She took the items and sifted through the papers. As she read, her eyebrows raised in surprise. For some reason, Granddad had meticulously documented the investigation into her parents’ “accident.”
He had been obsessed with it, claiming the police officers were corrupt, despite having served as a cop for decades himself. He had insisted that something was wrong.
Brooke hadn’t believed him then, but now, with the evidence before her, she felt compelled to dig deeper. Investigating this matter suddenly became her entire focus.
For illustration purposes only | Source: Unsplash
“Mr. Johnson was seen leaving the Starlight Lounge, visibly intoxicated,” she read aloud. “Officer Parker waved him through a checkpoint.”
Brooke’s hands trembled as she pieced together the truth that her granddad had uncovered: the police had covered up the drunk driving of a wealthy person in town who run into her parents.
Hot, angry tears streamed down her face, but she refused to break down from the unfairness and frustration. She knew she had to do something about this information.
For illustration purposes only | Source: Midjourney
“I’ll finish what you started, Granddad,” Brooke vowed. “They won’t get away with this.”
***
The next day, Brooke marched into the offices of the local newspaper, her granddad’s evidence tucked safely in her bag.
The bustling newsroom barely noticed her arrival, but she didn’t care.
Brooke walked straight to an editor’s office and blurted out, “I’ve got a story you need to hear!”
For illustration purposes only | Source: Unsplash
The gruff man sitting behind the desk looked up from his reading and leaned back in his chair, eyeing Brooke warily. “Hello, young lady. I’m Frank, and I have to tell you, we get a lot of people in here claiming to have the next big scoop. What makes yours special?”
Brooke took a deep breath, sat in the chair opposite the editor, and began to lay out the facts. As she spoke, Frank’s expression changed from doubt to intrigue.
After a few minutes, he leaned forward, resting his head on his linked hands, clearly captivated by the story unfolding before him.
For illustration purposes only | Source: Pixabay
“This is explosive stuff, Ms. Taylor,” he said when she finished. “Are you sure you want to go public with this? There could be serious consequences.”
Brooke’s eyes flashed with determination. “Sir, I’ve spent years wondering why the universe took my parents. Every birthday, every holiday, every milestone in my life since they died has been overshadowed by this unanswered question. Now that I know it wasn’t just fate, but foul play, I can’t sit on it. This isn’t just about my family anymore. It’s about every person in this town who’s been told to accept injustice because that’s just how things are.”
For illustration purposes only | Source: Midjourney
Frank studied her for a moment, then nodded slowly. “Alright, Ms. Taylor. We’ll run the story. But I need you to understand something. This isn’t going to be easy. People are going to come after you, try to discredit you, and maybe even threaten you. Are you prepared for that?”
“My grandfather was a cop for thirty years,” Brooke responded. “He taught me that doing the right thing isn’t always easy, but it’s always necessary. I’m ready for whatever comes.”
Frank’s face softened slightly. “Your grandfather sounds like he was a good man. Alright, let’s get to work. We’ve got a lot to do if we’re going to break this story wide open.”
For illustration purposes only | Source: Unsplash
***
The story hit the front page the following week, and Brooke’s phone buzzed constantly with messages of support and outrage.
She also took to social media, sharing the link to the story and rallying people to demand justice.
“My parents deserved better,” she wrote in a viral post. “We all deserve better from those sworn to protect us.”
As public pressure mounted, the police department grudgingly reopened the case.
For illustration purposes only | Source: Unsplash
Brooke watched with grim satisfaction as Officer Parker, the officer in charge of the original investigation, squirmed under questioning during a special press conference.
“We had no choice,” he finally admitted. “Mr. Johnson’s family has connections. We were told to make it go away.”
The Johnson family was indeed wealthy and influential, owning many businesses in the area and having funded the campaigns of several local government officials.
For illustration purposes only | Source: Unsplash
The revelation sent shockwaves through the community, leading to protests outside the police station as citizens demanded accountability and transparency.
Protesters also gathered at Mr. Johnson’s and his family’s known properties in town. The Johnson family quickly lawyered up and hired PR representatives to try to discredit Brooke.
However, in this political climate, people were more inclined to believe the young woman who had lost everything. The community’s support for Brooke only grew stronger, and the pressure on the Johnson family and local officials intensified.
For illustration purposes only | Source: Midjourney
While walking down the street one day, Brooke was suddenly surrounded by a swarm of reporters.
“Ms. Taylor, some people are saying you’re doing this for attention or financial gain. How do you respond to that?” one journalist asked.
Brooke’s eyes flashed with emotion, but she took a deep breath before responding. “I lost my parents when I was eight years old. Do you know what that’s like? I’m not doing this for fame or money. I’m doing it because for years, I’ve had a hole in my heart where my parents should be, and my granddad believed something was wrong. How could I possibly stay silent?”
For illustration purposes only | Source: Pexels
Her voice broke slightly, but she continued
“This isn’t just about me. It’s about every family who’s lost someone because people in power decided their lives were less important than protecting the wealthy and influential. It’s about making sure no other child has to grow up feeling like their parents’ lives didn’t matter. So no, I don’t care about attention or money. I care about justice, pure and simple.”
As the investigation progressed, more details emerged. It turned out that Mr. Johnson had a history of drunk driving incidents that had been swept under the rug, further fueling the community’s outrage and deepening the scandal.
For illustration purposes only | Source: Unsplash
Other families came forward with similar stories of injustice, further exposing the depth of corruption in the town.
Months later, a trial was set, becoming a media circus. Each day, the courthouse steps were crowded with reporters and protesters.
Inside a cold courtroom, Brooke sat stoically as Mr. Johnson finally faced justice.
The prosecution presented a damning case, bolstered by the evidence her granddad had gathered. Brooke testified about the emotional and financial strains her small family suffered after her parents’ death, vividly describing the pain and loss they endured.
For illustration purposes only | Source: Midjourney
But Brooke also added her own emotions, and the judge allowed her to speak. “My grandfather never stopped searching for the truth,” she said. “He knew something wasn’t right, and he refused to let it go. I’m here to finish what he started.”
As the trial neared its end, the Johnson family contacted the D.A.’s office, hoping for a settlement. The prosecutors consulted Brooke, but she refused any monetary offer.
“Money was always how the Johnsons solved things,” she thought. “Not anymore!”
For illustration purposes only | Source: Unsplash
The case continued, and on the last day, Mr. Johnson stood and looked at Brooke. “I’m sorry,” he said quietly. “I know it doesn’t change anything, but I truly am sorry.”
Brooke simply nodded.
The case concluded, and the jury took a couple of days to deliberate. The courtroom was hushed as they filed in.
“How do you find the defendant?” the judge asked.
For illustration purposes only | Source: Midjourney
“Guilty, Your Honor,” the jury foreman replied.
A collective gasp rippled through the room. Brooke closed her eyes and felt a wave of relief wash over her. We did it, Granddad!
The aftermath of the trial brought sweeping changes to the town. Several corrupt officers were fired, and new policies were implemented to ensure greater accountability.
For illustration purposes only | Source: Pexels
The case and her story were the talk of the town for a long time, but Brooke didn’t care about the attention. Justice had been served, and Mr. Johnson would spend several years in jail.
Now, it was time to look to the future, and perhaps… help others find justice too.
For illustration purposes only | Source: Midjourney
This work is inspired by real events and people, but it has been fictionalized for creative purposes. Names, characters, and details have been changed to protect privacy and enhance the narrative. Any resemblance to actual persons, living or dead, or actual events is purely coincidental and not intended by the author.
The author and publisher make no claims to the accuracy of events or the portrayal of characters and are not liable for any misinterpretation. This story is provided “as is,” and any opinions expressed are those of the characters and do not reflect the views of the author or publisher.
How to Own Your Dream Home
For most people, their first home isn’t their dream home. It starts off nice enough. But as time goes by and your family grows, starter homes tend to get a little . . . cramped.
But don’t hate on your current home too much. Because while it gave you a safe and dry place to lay your head at night, it was also setting you up to own your dream home someday.
We’ll show you how it all works and walk you through the steps that’ll get you in your dream home—one you can actually afford!
How to Get Your Dream Home in 5 Steps
Here are the steps:
- Follow the Financial Basics
- Find Out How Much Equity You Have
- Set Your New Home-Buying Budget
- Find the Right Dream Home for You
- Be Picky and Patient
Now let’s cover each step in more detail.
Step 1: Follow the Financial Basics
First thing’s first—you have to get out of debt, get on a budget, and build up an emergency fund of 3–6 months of expenses. Sounds pretty basic, right? If you haven’t completed these steps, then you’re not ready to upgrade to your dream home . . . yet.
Now, when you’ve got house fever, it can be hard to focus on paying off debt or saving an emergency fund before you upgrade your home—especially when you’re feeling the pressure of rising home prices and interest rates.
But whether it’s your second or third house, you should only buy a home when you’ve covered the financial basics we mentioned above. Then you’ll be ready to start the journey toward owning your dream house.
And that journey starts with your home equity. What’s equity? Well, we’re glad you asked . . . that brings us to the next step.
Step 2: Find Out How Much Equity You Have
Home equity is a pretty simple concept: It’s your current home’s value minus whatever you still owe on your mortgage.
See, in most cases, your home’s value increases over time. Similar to other long-term investments (like retirement accounts), homes gradually increase in value. There have been periods of ups and downs in the market to be sure, but the value of real estate has consistently gone up. According to the St. Louis Federal Reserve, the average sale price of a home has increased over 2,300% from 1965 to 2023! And in the last ten years (2013 to 2023), there’s been a 68% increase.1 As your home increases in value, so does your equity. In real estate terms, this is called appreciation.
Other factors that increase your home’s equity include:
- Added value: Home improvement projects like adding square footage, updating fixtures and appliances, or even just slapping on a new coat of paint can add value to your home.
- Mortgage paydown: Paying down your mortgage not only gets you out of debt faster, it also builds your equity. The less you owe on your home, the more equity you have.
The amount of equity you have gives you a pretty good idea of how much money you’ll end up with after selling your house. You can use that money to make a hefty down payment and cover the other costs that come with buying a home.
Find expert agents to help you buy your home.
So, how do you determine your home’s value? Well, you can get a ballpark estimate on real estate websites like Zillow, ask a trusted real estate agent to perform a competitive market analysis (which they’ll do anyway if they’re helping you sell your house), or get a professional appraisal.
Finding out your home’s equity will involve a little math, but it’s third-grade-level stuff, so don’t sweat it.
Here’s what we mean. Let’s say your home’s current value is $355,000. When you sell that house, you’ll have to pay for between 1–3% of the sale price in closing costs, another 6% in fees for the real estate agent who helped you sell it, and whatever’s left to pay off on your mortgage.
That means you can estimate clearing over $223,000 from selling your house. That’s a killer down payment on your dream home! And if your home is paid off, that’s even more money to put down and use to pay for things like repairs and moving expenses.
Step 3: Set Your Dream Home Budget
Once you know how much you’ll clear from the sale of your home, you can start making a budget for your dream home.
The key to owning your dream home (instead of it owning you) is to keep your mortgage payment to no more than 25% of your take-home pay on a 15-year fixed-rate mortgage, along with paying a down payment of at least 20% to avoid private mortgage insurance (PMI). Never get a 30-year mortgage even if the bank offers it (and they will). You’d pay a fortune in interest—money that should go toward building your wealth, not the bank’s.
So, let’s say your take-home pay is $4,800 a month. That means your monthly mortgage payment shouldn’t be any bigger than $1,200. By the way, that 25% figure should also include other home fees collected every month with the mortgage payment like homeowners association (HOA) fees, insurance premiums and property taxes.
Plug your numbers into our mortgage calculator to see how much house you can afford.
And don’t forget to budget for all those other costs that come with the home-buying process in addition to your closing fees—things like moving expenses and any upgrades or repairs you might need to make. You don’t want these hidden costs to catch you off guard or drain your emergency fund.
Step 4: Find the Right Dream Home for You
This is where things get real. After all your hard work building up your equity (and doing a lot of math—don’t forget that), you’re finally ready to start the house hunt. Woo-hoo!
But don’t lose focus. Stay zoned in by making a list of features that make a home fit your budget, lifestyle and dreams—and stick to it throughout your house hunt. Here are a few ideas to get you started.
- Don’t compromise on location and layout. If you plan to be in this home for the long haul, an out-of-the-way neighborhood or a wacky floor plan is a deal breaker. Look for a community and layout that’ll suit your lifestyle now and for years to come.
- Think about how much space your family needs. While your budget has the final say about how much home you buy, you’ll want your dream home to fit your family’s needs through different life seasons.
- Consider the school districts. If you have or want kids, the quality of the nearby school districts is probably already on your mind. But even if you don’t have kids or you’re retired, keep in mind that having good schools nearby could increase your home’s value.
- Look for a house that’ll grow in value. Are home values rising in the area? Is the number of businesses going up? These factors can help you figure out whether your dream home will turn into a good investment.
- Count the costs. Want that fancy master bathroom with the multiple showerheads and the Jacuzzi tub? Be clear on what’s a must-have and what’s nice to have. And don’t forget, upgraded features like that will make your dream home more expensive.
Step 5: Be Picky and Patient
We know you’re anxious to get into those new digs, but be patient. Wait for the right house at the right time. Don’t spend your money on a less-than-ideal home just because you’re tired of looking.
The key is finding a good real estate agent who understands your budget and refuses to settle for “good enough.” They’re as committed to your dream as you are and will have your back throughout the entire process, no matter what it takes.
In addition to teaming up with a great real estate agent, you can take a couple of extra steps to make sure you’re ready to strike as soon as the right home comes up:
- Get preapproved for a 15-year fixed-rate mortgage. Having preapproved financing is a green flag for sellers—especially in multiple offer situations. And because this puts most of your information in the lender’s system, you’ll be on the fast track to closing once your offer is accepted.
- Offer earnest money with your bid. Earnest money is a deposit to show you’re truly interested in a home. Usually it’s 1–2% of the home’s purchase price and it’s applied to your down payment or closing costs. Even if the deal falls through, you can almost always get most of it back.
Find a Real Estate Expert in Your Local Market
Now, you might be thinking you have some work to do before you’re ready to find your dream home. Or you may be realizing your years of hard work are about to pay off! Regardless, if you follow these steps, you’ll find the house you’ve always wanted and avoid a purchase you’ll regret.
Once you’re ready, connect with one of our RamseyTrusted real estate agents. These are high-performing agents who do business the Ramsey way and share your values so you can rest easy knowing the search for your dream home is in the right hands.
Find the only real estate agents in your area we trust, and start the hunt for your dream home!
Leave a Reply