6 Steps to House Hunting for an Accessible Home
This is a work by a guest blogger, Lance Cody-Valdez.
Finding the right home is hard, and it can be even harder if you’re house-hunting with a disability. You may have additional needs beyond the typical home buyer, and you’ll need to take those needs into account along every step of the process. If you plan in advance and know what to expect, though, you can find a home that’s right for you and suited to your abilities. Consider these six tips from Miami Beach Brokers® to find the accessible house you deserve.
1. Know What You Can Afford
Before you dive into your area’s real estate market, you need to know exactly how much you can afford to rent. This will be determined by several factors, including your debt-to-income ratio and your current income. There are many calculators you can use online to determine what your approximate budget will be, as well as websites where you can compare multiple listings. With this information in hand, you can choose the neighborhood that’s compatible with your price range.
The above also assumes you have the ability to properly budget yourself. Learning money management techniques is key to mastering your finances and ultimately your quality of life.
2. Find the Best Mortgage Rates
You need to make sure that you get the best possible deal on your home, and you also need to look for the lowest possible rate on your mortgage. This will help you determine how much you can afford more accurately. A lower mortgage rate will help your budget go further and make your monthly payments lower. To optimize your rate, work on increasing your credit score and paying off debts.
3. Look for Important Features
Budget is just one component of finding the right home. The features of a house are likely even more important — especially if you are looking for a disability-friendly home. You should make a list of the accessibility features that are non-negotiable — for example, a ramp or a walk-in shower — and seek out a house that has these features.
4. Consider a Modification Budget
As you search for your new home, you may realize that many of the options in your price range don’t have the accessibility features that you need. Instead of holding out for the house that ticks all the boxes, consider adjusting your budget to make room for any necessary modifications. You can look for a house that’s under budget, for example, and plan on using the difference in funds to install accessible features.
5. Reduce Stress by Hiring Movers
When it comes time to move, you want to make the process as seamless and stress-free as possible. According to statistics, 45% of people say that moving is the most stressful thing a person can endure, and it may be even more stressful if you’re living with a disability. Eliminate this anxiety by outsourcing the job to professional movers.
6. Understand What to Expect
The best thing you can do to prepare for the home-buying process is thoroughly researching what to expect. In addition to finding the best mortgage and looking for accessibility features, you’ll need to find a great real estate agent and create a budget for home maintenance costs, too. Tend to these tasks to ensure you’re prepared for home ownership.
If House-Hunting Doesn’t Work Out
If you follow all these steps and aren’t able to find the right housing match to suit your needs, another option is to tour local care facilities and see if any of these would present you with a better situation. Don’t just ask about prices, though; ask detailed questions about care and amenities, and don’t be shy about asking for any clarifications. Remember, you deserve the best!
Find a Home That’s Accessible and Affordable
House hunting is often a stressful experience, but there are few feelings more exhilarating than finding the right home. This is especially true if you’re looking for a house that has essential accessibility features. Research mortgages and neighborhoods to find the home that’s suited to your budget.
Whether you’re buying or selling, Christopher Lazaro, Licensed Real Estate Broker, has the skills and experience to get you the best deal possible. Call (305) 871-9728.
Image via Pexels
Disclosure:
This post is for informational, educational, and entertainment purposes only and is NOT to be considered or taken as tax advice, legal advice, or financial advice. Miami Beach Brokers®, Christopher Lazaro, and Metro International Investments are not registered financial advisors, nor are they licensed lawyers, nor are they certified public accountants (although, we can refer you to some of the best in each profession!).
When considering taking doing ANYTHING legal, tax, or finance related it is highly recommended you seek out licensed professionals in good standing with their respective licensing authorities and trade organizations.
Are you looking for a home in Southeast Florida? Specializing in the Miami and Miami Beach real estate markets, Miami Beach Brokers® (now Brokered by eXp Realty) can help you find the perfect home for your family and business! Call 305-871-9728 today!
