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Isabelle Wells - Real Estate Blog

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Uncategorized | 1 Posts
September
21

Moving isn't just challenging; it's also stressful. If you have a disability, moving may even be more difficult than it is for others. Realtor Isabelle Wells has some moving tips for people with disabilities that can help.

 

Choosing the Right House

Not every home is designed with accessibility in mind. Additionally, some houses might have upkeep requirements that are challenging to manage for someone with a physical or mental disability.

As you start working with Isabelle to find a property in Southwest Florida, let them know that any features relating to your disability are top priorities. Additionally, outline the ones that are genuine must-haves, ensuring your realtor doesn't spend time showing you properties that can't meet critical needs.

 

Handling the Home Purchase

Completing a home purchase is a serious undertaking. Usually, you need to prepare for the entire process ahead of time, ensuring you have everything you need to complete it successfully.

As a person with a disability, one genius move is to research assistance programs in your area. States, non-profits, and similar organizations may offer down payment help or funds that let you make an existing home more accessible. There may even be special mortgage programs in some cases, allowing you to access more affordable loans.

If you're a first-time homebuyer, you also want to make sure that you're ready for the mortgage application process that lies ahead. Similarly, if your last home purchase was several years ago, refreshing your memory about what's involved is wise.

Generally, you'll need to handle a few things before you start working with a realtor to find properties, including:

  • Assessing your budget to see what you can afford, factoring in costs like insurance, property taxes, and, if necessary, PMI.
  • Reviewing your credit report for errors and checking your current credit score
  • Gathering key financial paperwork (tax returns, bank statements, investment account statements, pay stubs, etc.)

After that, you can start researching mortgage options. Once you find a lender and program that meets your needs, you can get pre-approved.

At that point, it's time to find a realtor. They can help with the home search, offers, negotiations, and more, acting as a guide that can shuttle you through the remaining steps.

 

Tackling the Move

Once your home purchase is underway, it's time to prepare for the physical move. As you start placing offers, beginning the packing process is smart if you are planning a DIY move. That lets you move through your home slowly, making packing more manageable.

If you're working with movers, you'll want to estimate the cost in advance. Usually, several factors play a role in pricing, including the distance you're moving, the weight of your stuff, and how fast you need them delivered.

Get quotes from several companies. That way, you can find one that gives you what you need at the best price.

Updating Social Security and Insurance

After your move is complete, you may need to handle a few steps relating to Social Security and health insurance. Both SSDI and SSI are federal programs, so you can transition those by updating your address with the Social Security Administration.

If you have health insurance, what you need to do varies. For Medicaid, programs are administered at the state level. As a result, if you move across state lines, you'll need to apply to the local program after your move.

Insurance through Affordable Care Act (ACA) exchanges are also handled at the state level. If you head to a different state, you'll need to sign up for new coverage during the special enrollment period (SEP), a timeframe that usually lasts up to 60-days. That way, you can get the insurance you need fast.

June
7

Horseback Riding Naples

There are a lot of great ways to experience Florida's Paradise Coast. Horseback riding is one of them! If you're looking for a place to ride near the Naples, FL, area, our real estate agents are delighted to share some of their favorite destinations.

Click Here to Read More...

April
12

Smart Irrigation System

Do you dream about having the perfect lawn, garden, and landscaping but don't always have the time to monitor everything closely? There's a smart device for that! Installing a smart irrigation system is a great way to make sure all of your landscaping features are always getting the right amount of water and reduce water consumption in the process. With gardening season in full swing, now is the perfect time to make the switch. Our real estate agents are here to help with tips for installing a smart irrigation system for your Florida home.

Click Here to Read More...

Disclaimer: All information deemed reliable but not guaranteed. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) or information provider(s) shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless. Listing(s) information is provided for consumers personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information on this site was last updated 08/16/2022. The listing information on this page last changed on 08/16/2022. The data relating to real estate for sale on this website comes in part from the Internet Data Exchange program of Fort Myers (last updated Tue 08/16/2022 10:08:17 PM EST) or Naples MLS (last updated Tue 08/16/2022 10:08:31 PM EST) or Bonita Springs MLS (last updated Tue 08/16/2022 10:06:17 PM EST) or MIAAR MLS (last updated Tue 08/16/2022 9:18:29 PM EST). Real estate listings held by brokerage firms other than John R. Wood Properties may be marked with the Internet Data Exchange logo and detailed information about those properties will include the name of the listing broker(s) when required by the MLS. All rights reserved. --

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