By Gloria Martinez from womenled.org
Moving is an exciting time for many. After buying a new home, moving day can seem like ages away, even if it’s only a month or two. It’s common to feel a bit of stress, but if you have a disability, the stress of moving can be even greater. Fortunately, with these tips from Our Special Village, you can make the process much easier and less stressful.
How to Prepare for Your First Purchase
When you’re planning to buy a home for the first time, you should first check your credit score. You have three main scores that a mortgage company might look at during the loan process. You’ll get a better interest rate with a higher credit score.
Before you start applying for mortgages, get all your paperwork in order. Lenders will ask you to send copies of important documents, and your application won’t proceed without them. Some possible paperwork they may need includes:
- Two years of tax returns
- Canceled rent checks
Always hire a reputable real estate agent. You want an experienced guide who knows all the ins and outs of buying a home and the neighborhood you’re shopping in so the process is as easy as possible throughout your home buying journey. Make sure you have someone who’s understanding and who’ll be more than willing to take your disability into consideration.
Prior to getting a mortgage, make sure you know how much you can spend each month. As a general rule, never spend more than 28% of your total income on your mortgage. You should also check into any first-time home buyer programs and any programs for the disabled, including home modification grants.
How to Find the Perfect Home
Now that you know how much you can realistically spend, you can start searching for a house. Make a list of needs and wants before you start. This will help you stay focused and on budget.
Some potential wants could be a fireplace or pool, while a need might be that the house is only one story to accommodate your disability. A house may not have all your wants and needs, so you might need to consider whether it could tick all the boxes with some minor modifications in the future.
Hiring a Moving Company
If you’re considering hiring a moving company, you should carefully compare businesses. Look for reviews online and see what previous customers are saying about the local moving companies.
Contact each company for a quote once you have a general idea of how much you’ll be transporting. Knowing this expense could save you from an unpleasant surprise. Keep in mind that you may qualify for a relocation grant due to your disability.
Packing Made Easy
You don’t have to race to pack all your stuff in a few days. Start as soon as you know you’re closing and pack little by little. Go from room to room as you pack and focus on packing one section of each room at a time. When you pack in sections and label everything, you’ll make unpacking a breeze.
Relax and Stay Focused
Utilize these tips, try to relax, and make sure you stay focused. The moving process can be stressful, especially with a disability, but it’ll be worth it in the end.