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As we get more settled in our lives, it is only natural to want to move onto the next big step and purchase a new home. Those who deal with a disability of any type may feel like they are at a disadvantage, but that is not the case. With a little know-how and knowledge of the home buying process, you can make this a reality. Future Business Ventures is happy to provide you some great knowledge and tips to help you to get the house of your dreams
If you are a first-time home buyer, then there are a few aspects of the process of which you should be aware. That includes the proper paperwork, the process of obtaining a licensed realtor, and checking your finances so you know what you can afford. A down payment is an important part of these financials, as a larger down payment will lower your monthly payments and build confidence with your lender.
Sometimes a disability may mean taking in a limited income, but even if you make less money, there are many great programs available that you may be able to take advantage of. For instance, the National Council of State Housing Agencies (NCSHA) outlines the many grants available for new home buyers or folks with lower income depending on the state where you reside. This is financial help that you may or may not have to pay back.
When a disability stems from serving in the military, then you may be eligible for a loan from the Department of Veterans Affairs (VA loan). These loans can amount to over $100,000 and could be a real life-changer when it comes time to make an offer.
What to Look for in a Home
If you require special needs in your home, then you will want to find or modify property to fit those needs. The best-case scenario would be to find a home previously owned by a disabled individual so you can take advantage of the modifications they made and add anything else you need. Ask your realtor if they can find homes of that nature.
Newly built houses may require modifications for your specific situation. If you use a wheelchair or need assistance getting from point A to point B, then you may need to swap out the stairs or pair them with a ramp both outside of the front entrance and inside the home if you get a house with two floors. A stairlift is another great idea that you can use when you need to.
Bathrooms can use a fair share of ungraded due to the time and actions completed there. You may want to add handrails in those spaces to prevent falls. Also, the toilet itself may need to be updated for ease of use.
Moving Into Your New Space
Once you find the home of your dreams, you’ll want to start the process of moving, but with a disability, you may need some help. The first suggestion is to hire professional movers who can handle the entire process from packing your current space to transporting everything to the proper room in the new home.
You can make the packing process easier and the moving process quicker by being smart about how you box your items. Moving.com suggests using this as a chance to throw out or donate any excess clutter that you no longer need so you don’t move it. Label each box properly so you know where everything is at all times.
It is also a smart idea to pack an overnight bag that you can keep with you at all times. It should contain objects you may need a moment’s notice, including necessary medications and toiletries.