Ellis and Venus Davis: A Second Chance In 2006, a loan officer talked Ellis and Venus David into a $225,000 mortgage, despite their doubts. When the loan's balloon payment came due, Ellis and Venus couldn’t pay. They lost both the house and their car. The next few years were an uphill struggle as they regrouped and repaired their credit. In 2012, they worked with Self-Help to qualify for an affordable mortgage. The couple is proud to be back on their feet. “It makes me feel…self-worth that I have my own place again," says Ellis.