According to recent data, approximately 65% of the population of the United States own their own home, but a much smaller number of approximately 11% of individuals with disabilities own their own home. This figure highlights the challenges that confront many in accessing suitable and affordable housing of their own.

Those going through real estate school study about The Americans with Disabilities Act (ADA) and its regulations, rules, and the strides that they have made to protect people with disabilities from discrimination and to protect them in many areas of public life. They continue to work hard for equality so that those with disabilities have valuable rights. In harmony with and out of great respect for their efforts, we acknowledge the obstacles that confront those with disabilities in finding and buying a home of their own that is not governed by the same ADA requirements as public areas. Despite these obstacles, homeownership can offer significant benefits, such as increased independence and stability.

factors to consider in your home search

Buying a home is a significant life decision filled with numerous challenges, which can be even more complex for individuals with special needs. But, you likely already know that. The goal here is to put the factors to be considered in a central location so that with thoughtful planning and perseverance, finding a home that accommodates your needs may be achievable and so rewarding. When searching for a home for someone with special needs, it's crucial to consider features that enhance accessibility, safety, and comfort. Every circumstance is different, but here are some possibilities to consider whether they are important to you in your home search:

• Single-Level Living: For those who have difficulty with stairs, a home with all essential rooms on one level is ideal. Sometimes, the small step-downs within a home, which are common in Arizona real estate, may be innocently overlooked when someone is listing the home online as “no stairs”. So, before viewing a home, ask your real estate agent to confirm with the listing agent that there are in fact no steps within the home and what size any small steps are and if there are other ways to access the entire home for the sake of viewing it (if you choose to).
• Wide Doorways and Hallways: These allow for easy maneuverability for wheelchairs and other mobility aids. It is common to see that older homes had more narrow hallways, but the more modern design of open floor plans can be an attractive option to assist with mobility. 
• Accessible Bathroom: Features like walk-in showers, grab bars, and lower sinks can be valuable for safety and independence. It could good to know the cost of these items in advance, in case they need to be added after purchase.
• Smart Home Technology: Automation systems for lights, doors, and thermostats can greatly enhance convenience and independence.
• Handrails and Grab Bars: These should be strategically placed throughout the house, especially in bathrooms and along stairways.
• Accessible Parking: A driveway or garage that accommodates a wheelchair-accessible vehicle or convenient ramp access can make daily activities easier.

strategizing to overcome the challenges

Here are some key considerations and strategies to help navigate this process with its challenges that are worth the effort if it is possible to overcome them.

Accessibility Features

The challenge: Finding a home that meets accessibility standards can be difficult. Not all homes are built with features like wheelchair ramps, wider doorways, or stairlifts.

Can it be overcome? Yes! An accessible home can be essential for independence and comfort. It's important to look for properties that either already have these features or can be modified. Working with a real estate agent who understands your needs and the availability of accessible home features can be incredibly beneficial and helpful to save you stress and make the process smoother.

Proximity to Healthcare and Services

The challenge: Ensuring the home is close to essential services such as hospitals, clinics, and specialized care facilities can limit the pool of available properties.

Can it be overcome? Yes! Scottsdale is home to many renowned healthcare facilities, so knowing where they are is worth the effort because living near healthcare providers and support services can significantly enhance the quality of life and provide peace of mind (which you are entitled to). Prioritize locations with easy access to these services, even if it means taking your time and being pickier.

Home Modifications

The challenge: Modifying a home to suit special needs can be costly and time-consuming.

Can it be overcome? Possibly! Customizing a home to meet specific needs ensures safety, functionality, and comfort. Look for properties that can be easily adapted, maybe are partially already adapted, or consider newly built homes where you can specify modifications during construction.

Financial Considerations

The challenge: The cost of specialized real estate and necessary modifications can be high, creating financial challenges.

Can it be overcome? Possibly! Financial planning and exploring assistance programs can make a significant difference. Grants, loans, and other financial aid options may be available to help cover the costs of modifications and accessible features. Individuals with special needs may be able to access various government assistance programs to help them buy a home. Historically, programs like Fannie Mae HomeReady loans offered favorable terms for disabled homebuyers, including low down payments and acceptance of disability income as qualifying income. The VA home loans program has provided excellent benefits for disabled veterans, including no down payment requirements and attractive mortgage rates. Additionally, the HUD Housing Choice Vouchers program has offered grants for home modifications to make homes more accessible. Exploring these options and consulting with a knowledgeable real estate agent can make the home-buying process more manageable and affordable. (Note: please discuss this further with the government agencies and/or an experienced mortgage lender or broker who can assist you with the specific programs available at the time that you need them. If you need a referral for a mortgage agent, I would be happy to provide you with names with whom I have had good experiences.)

Adaptive Technology

The challenge: Integrating adaptive technology in homes can be a technical and financial challenge.

Can it be overcome? Possibly! Advanced technology can greatly enhance independence and quality of life for those with special needs. Smart home systems, automated controls, and specialized equipment are investments that pay off in convenience and safety. Financial assistance may be available in less conventional ways, such as gifts from donors online or friends and family that want to help. If I may share a personal experience: my husband and I have a dear friend in his 80's who became blind later in his life but he doesn't make excuses. He says "I may not be able to do it fast, but I'll get it done." When we brought him a voice-activated home-assistant, his life changed and he got back many of the freedoms he once enjoyed. He no longer needs someone to read things to him. The effort to learn the systems may be daunting, I know the learning curve for our friend was a challenge, but with perseverance you may come to decide they're not only worth the effort but also help others learn to use them too (that's what he did).

Is homeownership worth it for me?

Homeownership offers numerous benefits, particularly for individuals with special needs. Whether it is right for you is truly your personal choice, but it is a choice you have the right to make. Here are some key perks:

• Customization and Control: Owning a home allows individuals to modify and adapt their living space to meet their specific needs and to do so with a reasonable expectation that you will be able to continue enjoying your efforts for years to come. From installing ramps and grab bars to creating an accessible kitchen or bathroom, homeowners have the freedom to tailor their environment for maximum comfort and convenience and keep it that way for as long as they need it.
• Independence: A home that can accommodate specific needs fosters greater independence. With the right features in place, individuals can navigate their home more easily and perform daily tasks without excessive reliance on others.
• Long-Term Stability: Homeownership provides a stable living situation, reducing the stress and uncertainty that can come with renting. This stability is particularly important for individuals with special needs, who may require consistent access to medical equipment and a familiar, safe environment.
• Community Integration: Being part of a neighborhood can enhance social connections and support networks. Homeowners often have opportunities to engage with neighbors and participate in community activities, which can be enriching and beneficial for social well-being.
• Financial Benefits: Over time, owning a home can be a wise financial investment. Building equity in a property can provide financial security and future asset value. Additionally, there may be tax benefits associated with homeownership, such as deductions for mortgage interest.
• Personal Pride and Accomplishment: Homeownership can be a source of personal pride and achievement. The sense of ownership and belonging that comes with having a place to call your own can positively impact self-esteem and overall quality of life.
• Privacy and Comfort: Owning a home offers greater privacy compared to many rental situations. Individuals can create a peaceful and private sanctuary tailored to their preferences and needs, enhancing overall comfort.
• Access to Specialized Features: Homeowners can invest in specialized adaptive technologies and features, such as smart home systems, that may not be feasible in rental properties. These technologies can significantly improve the ease of daily living.

Know thyself

Embarking on the journey of homeownership requires preparation and consideration for everyone. Here are some essential steps and things to know about yourself to start the process:

• Assess Specific Needs: Identify the unique needs and requirements that must be met for comfort and accessibility. This could include mobility aids, sensory considerations, or other specific adaptations.
• Budget and Financial Planning: Establish a clear budget, considering not only the purchase price but also potential costs for necessary modifications and ongoing maintenance. Explore financial assistance programs, grants, and loans available for homebuyers with special needs.
• Research Accessible Features: Educate yourself on the features that make a home accessible, such as ramps, wide doorways, accessible bathrooms, and smart home technology. Prioritize these features when evaluating potential properties.
• Choose the Right Location(s): Consider the proximity to healthcare facilities, support services, and community resources that cater to special needs. Also, evaluate the neighborhood's accessibility and safety.
• Engage Professional Help: Work with an experienced real estate agent who understands how to find homes for individuals with special needs and who will understand your circumstances.  Interview as many real estate agents as you need to until you feel that you have found one who can offer valuable insights and help identify suitable properties that will fit your needs. Don’t forget to take advantage of options like virtual showings, where your real estate agent first tours the home to make sure it is suitable for you before you make the effort to visit it in-person.
• Understand Legal and Regulatory Requirements: Familiarize yourself with local building codes, zoning laws, and regulations that may impact home modifications and accessibility features.
• Inspect the Property Thoroughly: Hire a home inspection to complete a detailed inspection to identify any potential issues that could affect accessibility. This includes checking the layout, foundation, entryways, bathrooms, and other crucial areas.
• Plan for Modifications: Determine what modifications you are willing to undertake and what modifications are non-negotiable. Get a range of quotes from contractors who specialize in accessible home renovations.
• Explore Financing Options: Look into mortgage options tailored for individuals with special needs, which might offer better terms or additional support.
• Connect with Support Networks: Reach out to local organizations, support groups, and online communities for advice and recommendations. Networking with others who have gone through the process can provide valuable insights and support.

in conclusion

By taking these steps and preparing thoroughly, individuals with special needs can find a home that not only meets their requirements but also provides a comfortable and empowering living environment. Although house hunting involves overcoming several challenges, the effort leads to a home that offers safety, comfort, and independence. By focusing on accessibility, proximity to essential services, community support, and thoughtful financial and legal planning, it's possible to find a home that truly meets all needs. With patience, persistence, and the best real estate agent for the job, you may be able to become a beacon of hope for others who are interested in homeownership but didn’t think it was possible. If you have questions or would like to discuss the options for real estate in Phoenix, Scottsdale, and the surrounding areas, Jeff Barchi, Arizona’s top RE/MAX real estate agent, would love to help answer your questions; just call 602-558-5200 to take the first step in finding the Realtor that is the right fit for you to make your dream of homeownership a reality!