Disability is not a barrier to homeownership. The key is building the right team, saving up money, managing your debts (money you owe), tapping into special programs, and being flexible. Of course, it’s easier if you have more money, but there are options for almost everyone if you are focused, patient, and willing to compromise.

As you figure out how to buy a home, it's important to learn the difference between things you can control and things you cannot control.

Things you can control
  • Deciding whether to rent or own
  • Deciding where to live
  • Saving money
  • Managing your money
  • Handling credit problems
  • Finding new income sources
  • Choosing your real estate team
Things you cannot control
  • Home prices
  • Interest rates
  • Loan programs
  • Down-payment programs
  • Government benefits

This article will give you more information about how to take charge of what you can control and take advantage of the things you can’t control.