This came to my mind after Emily's post about CF spouses & I am just remembering to post the topic now. Better late then never. When Robert & I bought our home I was extremely ill yet still managed (stupidly) to go to work. We closed on our house 12/7/99 & I ended up in the hospital & never worked again on 1/18/00. Up until that time I didnt think much of owning a home when it came to my CF. I did decide that I didnt want to live too far from town in case something should happen I could get help right away. I would only consider living farther out of town if I was living closer to my family which is in the boomdocks! We take pride in our home & went thru hell & back financially to get it, but most of all to keep it since when we bought it we had 2 incomes. Is owning a home something toward the top of your priority list? We couldnt/wouldnt have done it if we ended up having to pay the average price for a house. We just refused to have to live for our house & be that strapped. Now we have room to breath. No pun intended with the CF issue. Its a scary venture when you are faced with the financial aspect of CF as well as the responsibility being thrown on the CF spouse to manage things when you arent around to help anymore. Thanks for letting me ramble!
How many CFers are home owners?
- Thread starter JazzysMom
- Start date
supermanfan
New member
My husband and I own our own home. Going on 5 years now. We also have completely landscaped the front yard (we did the work) putting in a water fall pond, grass, and plants. We finally just finished out back yard (we did what work we could do, i.e. putting the decking down, the flooring in our rec room, I drywalled and pained the framed out bathroom, putting flooring down in the bathroom, and my husband did the plumbing for the sink, toilet, and shower fixtures plus we put in a wet bar). We just sunk some $82 grand into it which it includes a built-in bar-b-q, an outdoor fireplace to match, a spa, a barn for the horses, and a rec room with bathroom, and office space. We started with a blank slate, and after a few years since the property value went up we took out a second. Kinda put us in a tight spot now with Christmas approaching, but we agreed no presents this year. Our back yard was gift enough to each other... it's our own little private paradise.
We are now finished with everything except for taking out the carpet in the bedrooms, and replaceing it with wood flooring, which we will do probably next summer.
We had always rented before... but since my transplant back in 1997 and the swelling on my brainstem that I had in 1998 I was able to get back to full time work in the year 2000. Only this enabled us to purchase a house. I'm sure it would have been harder with only one full time income from my husband, and me on SDI.
So, I'd say since my transplant I have more now than I ever did. Amazing what good health can allow you to do for yourself.
I wish you all the best!
We are now finished with everything except for taking out the carpet in the bedrooms, and replaceing it with wood flooring, which we will do probably next summer.
We had always rented before... but since my transplant back in 1997 and the swelling on my brainstem that I had in 1998 I was able to get back to full time work in the year 2000. Only this enabled us to purchase a house. I'm sure it would have been harder with only one full time income from my husband, and me on SDI.
So, I'd say since my transplant I have more now than I ever did. Amazing what good health can allow you to do for yourself.
I wish you all the best!
My boyfriend and I are homeowners. We are not married nor plan on it as his health insurance is nothing for a cf'er. So we really cant. But we did the next big step, own a home 4yrs ago. I was also working and in better health back then. Since then I have had to go on disability last yr. So it is hard but worth it to me. It is so nice to have something to call our own. We did live in a house his mom gave to him before that. Extreme delapidated. We had to redo everything inside. Since then we demolished it and put a new one up in it's spot. I love it.
wanderlost
New member
I am a home owner. I bought my home when I was 25 (I am now 28), and have lived there close to 4 years. My husband has lived with me for two of those years, but the house is in my name only.
I am a parent of a 16 month old with CF. I often worry about this for him. Will he live long enough to get married, have a family and will he be able to provide for them? My husband and I are looking for a new home that will be big enough so we could provide a place for our son and his family to stay someday if necessary. It probably sounds silly but I don't want him to worry about this aspect of his life. I just want him to focus on staying healthy as long as possible!! Good luck to you all. Paula
princessjdc
New member
I have bought a house a year and a half ago, we lived in an apartment for 3 years, and was ready to get out of there. Plus my parents keep saying that buying a house is a great investment! Which I agreed to that, we found a house that has everything that we wanted only the location could of been closer to town than down town.
thelizardqueen
New member
My boyfriend and I are planning on buying a home next year. I say as long as you can afford it, whether its by working, or from your spouse - go ahead and do it. You only live once.
We own and we love it! My husband is a mortgage consultant and he can do home loans, purchase and refinance in all the U.S, so it was relatively easy getting the home mortgage. ANYONE that would like help and would want to talk with someone who deals with CF, post here and I can give you his contact information. It is great owning and not paying the landlords mortgage, I rather pay my own and reap the tax benefits!
Thanks and I hope we can help anyone!
Jennifer 33yrs old with CF, diabetes and osteopenia
Thanks and I hope we can help anyone!
Jennifer 33yrs old with CF, diabetes and osteopenia
Purplelungz
New member
We OWNED a home. Got it when i was 20 husband 21. Very odd for our ages and me having cf. We were only able to afford it because of a loan from the USDA...instead of going through a bank USDA will grant you a loan for low income families like myself. The cf helped alot to get it since they also looked at why we needed the loan, my health. They dont tack on alot of the instrest and extra fees that make house payments higher. We sold our home a few months ago because we had to move towns. We plan on owning our own home again sometime in the not so distant future. We plan on saving up what we can now for a downpayment, that helps alot with monthly payments as well.
Paula dont worry about your sons future. Ok I know its not that easy but its very very possible he will grow up and get married, even have kids. Alot of cfers have i even know some that are GRANDPARENTS. I dont know that many but hey some is better than none and it only gets better with time. Right now i say take things day by day. You cant fully enjoy today if your worried about tomorrow. Your son will be a happy little boy and a happy young man.
Paula dont worry about your sons future. Ok I know its not that easy but its very very possible he will grow up and get married, even have kids. Alot of cfers have i even know some that are GRANDPARENTS. I dont know that many but hey some is better than none and it only gets better with time. Right now i say take things day by day. You cant fully enjoy today if your worried about tomorrow. Your son will be a happy little boy and a happy young man.
L
luke
Guest
we bought our "first" house in November of last year. We love our home, my wife does a wonderful job decorating and I use my limited "skills" to keep things in good order. I have moved 20 times in my life and really don't ever want to move again. Not to mention houses are a great tax shelter.
luke
luke
vinnie1973
New member
I am a homeowner. I have been for the last 5 and a half years. I also co own a mortgage company and offer my services to the CF community and I will get you financing at my cost. My way of helping others as people have helped me in the past.
My mortgage company is licensed in PA CO and FL with NJ DE and MD in the next few months. If I can help please dont be shy.
my company website is in my profile. <img src="i/expressions/face-icon-small-smile.gif" border="0">
My mortgage company is licensed in PA CO and FL with NJ DE and MD in the next few months. If I can help please dont be shy.
my company website is in my profile. <img src="i/expressions/face-icon-small-smile.gif" border="0">
blindhearted
New member
Jennifer, can u email me w/ ur husband contact information also? Can he deal with stuff in NC?
blindhearted@earthlink.net
Thanks <img src="i/expressions/face-icon-small-smile.gif" border="0">
blindhearted@earthlink.net
Thanks <img src="i/expressions/face-icon-small-smile.gif" border="0">
I'm guessing a lot of you don't live in California? 
I am not a homeowner & don't expect to be anytime soon. I live in the bay area, CA & it's really out of reach. I work full time, but the CF definitely prevents me from moving forward in my career, and making more money. I realize, where there's a will, there's a way, but unfortunately, I think the way would be to accept money from my parents. They would be happy to help, I know. It is just unfortunate that I would have to ask....
Congrats to all of you for the ownership!
I am not a homeowner & don't expect to be anytime soon. I live in the bay area, CA & it's really out of reach. I work full time, but the CF definitely prevents me from moving forward in my career, and making more money. I realize, where there's a will, there's a way, but unfortunately, I think the way would be to accept money from my parents. They would be happy to help, I know. It is just unfortunate that I would have to ask....
Congrats to all of you for the ownership!
To blindhearted and Julie. I just emailed you guys my husband's contact information! Thank you for the opportunity. I will give him a heads up!!! Yes, he can do loans all over the US. HIs parents live in NC!!!
THanks!!!!!!!!!!!!!!!!!!!!!!!! Happy New Year!!!!
Jennifer 33yrs old soon to be 34 in Jan!!, DIABETES, OSTEOPENIA
THanks!!!!!!!!!!!!!!!!!!!!!!!! Happy New Year!!!!
Jennifer 33yrs old soon to be 34 in Jan!!, DIABETES, OSTEOPENIA
6
65rosessamurai
Guest
I WAS a home owner, about 2003. However, because of the house purchase, I ended up divorcing the wife. I had a serious injury the same time she decided she wanted to purchase the house...should've had the surgery done first. I really didn't want that place to live, it was dead center of the city, and too darn close to the railway system (Could hear the darn thing from 6 am to 12:30 at night).<img src="i/expressions/face-icon-small-frown.gif" border="0">
She did all the financing, and had me even lie on the application for "precondition medical", which was my shoulder injury, not the CF.
Anyway, the house was 50/50 ownership, but before the divorce, she said it was best to give my percentage to her...I found out after the divorce, I could've had about a $3,000 tax break, because it would look like I sold my have to her, instead! <img src="i/expressions/face-icon-small-mad.gif" border="0">
Fortunately, I got the better deal, but I don't have my name on any deeds; my new wife, Yuka has ownership to two houses, now! She owned her own house, and her father gave her the inheritance of his house. Problem is, she (we) has to pay homeowners insurance and yearly taxes on the homes. <img src="i/expressions/face-icon-small-tongue.gif" border="0">
I guess, to a certain extent, not having my name on a deed is more beneficial. I have ownership to the car, that's good enough for me. <img src="i/expressions/face-icon-small-wink.gif" border="0">
She did all the financing, and had me even lie on the application for "precondition medical", which was my shoulder injury, not the CF.
Anyway, the house was 50/50 ownership, but before the divorce, she said it was best to give my percentage to her...I found out after the divorce, I could've had about a $3,000 tax break, because it would look like I sold my have to her, instead! <img src="i/expressions/face-icon-small-mad.gif" border="0">
Fortunately, I got the better deal, but I don't have my name on any deeds; my new wife, Yuka has ownership to two houses, now! She owned her own house, and her father gave her the inheritance of his house. Problem is, she (we) has to pay homeowners insurance and yearly taxes on the homes. <img src="i/expressions/face-icon-small-tongue.gif" border="0">
I guess, to a certain extent, not having my name on a deed is more beneficial. I have ownership to the car, that's good enough for me. <img src="i/expressions/face-icon-small-wink.gif" border="0">