Purchasing a home

Purchasing a home is stressful!  Before buying, it's scouting out your favoriate neighborhood, what you would like, what you need and what you can afford.   Then it's finding a relator, going to the bank about financing, securing a down payment.  Then working with he relator to find you that perfect house, viewing houses and then making a pro's and con's list about each one you saw!  In the days of technology, you can make that easier by taking pictures and audio recording the rooms as their seen.  Afterwards, meeting with the relator to go over the list....  Once you find the house your looking for, the contract is signed, conditions are laid out and negotiations start!   This can be a stressful process too, as you need to be available all the time to go back and forth!   Once that's settled the buyer needs to meet the conditions, or the house falls through.   It's always a good idea to hire a professional house inspector to give you that reassurance that the house is up to code and will be a safe environment for you to live in.  

This is usually the first expense you will have.  Once the conditions are met, there is usually conditions on the mortgage that need to be met and sometimes conditions on the insurance!   There appears to be a lot of conditions.   The house is almost yours.... The packing either begins once the conditions are met, or beforehand!   The movers are hired - or you will start begging your friends notifying of free pizza for all who help move!

Once your all moved in, the unpacking begins and realizations of what you've owned since college is not longer usable anymore and that tea cup of great granny Jewel's just doesn't fit the décor like it used to!  Hopefully the house doesn't need to be painted and appliances purchased!

However, another kettle of fish is purchasing a home with a disability.  Not only do you need to meet with the relator, there's also medical professionals who can assist you with making a list of things you will need in the house to keep yourself safe!   The physical exhaustion, mental energy and emotional though process is intense during these days.   Mortgage investors want their money, and want to ensure that the person on disability is going to pay them in accordance to their policy.  Letters and extra documentation is needed, the buyer feeling discriminated and violated as their private life finances are laid out in front of them.  Letters are usually written to provide the least amount of detail possible.   There are grants to assist with this, but they come with a cost!  There is always paperwork, upon paperwork, and that is layered with signatures... Just in case.... I need to cover my butt.....   it is unfair and hurtful.   The grants are available in one town, but not the next!   If you need to renovate there is a grant, but not a grant if you haven't been able to save for a down payment because you are just making ends meet.  

The stress headache and physical toll it takes, and then when your brain doesn't work like it is suppose to, you ask the professionals to please slow down!   It's just the start of the day, and info goes in and out constantly.  

Tips: 
- Be your own self advocate
- Explain what you need before you attend the meeting
- Have a social worker assist you with grant forms
- Have a mental health clinician work with you on re-leaving stress
- Check in with your body and listen to it
- Be up front with how your feeling and your financial situation
- Bring an advocate to meetings with you!
- Delegate the work load, packing, and moving!  Sit on the couch and watch others do it for you if you need to!  You can always rearrange later!  
- Ask Questions if you do no understand and to honest!  
- Google will be your favorite tool!