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Buying a House in Ontario

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  • #16
    I have to agree with Jeff on this one, I purchased a home and renovated it. There was a perfect spot for an elevator and he lived in the garage. I also added a new room 20 by 13 for myself so that I could have ample room for the wheelchair.

    The master bedroom bathroom was large enough to change the bathtub into a role in shower. There are lots of homes of their that our bungalows or as to what you might be looking for a flat with no upstairs that can be easily converted.

    Good luck!

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    • #17
      I apologize for some of the sentence structure as I use software, NaturallySpeaking but I am sure you can figure it out.

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      • #18
        Okay - time for a new rant. lol

        Mortgage insurance. So I can have the place paid for and leave it to someone when/if I die unexpectedly. Not everyone qualifies - even a nurse I ran into who was morbidly obese and her husband who suffered epilepsy couldn't get it. A sample of questions:

        1. Have you ever been tested for, received any treatment, medical advice, consultation, diagnosis, required followup for or had any known indication of:
        - problems realating to heart, circulation, high blood pressure, high cholesterol, stroke, cancer, tumor, leukemia, lupus, asthma or any other lung or respiratory condition
        - diabetes, hepatitis, liver or kidney disease, stomach or intestinal condition, multiple sclerosis or any other condition affecting the central nervous system including paralysis
        - alcohol or substance abuse, depression or other mental, nervous or psychiatric condition, or have you ever tested positive for, or been diagnosed as having any HIV virus or any other associated disease including AIDS or any other immunological disease or condition?

        2. Have you ever received any treatment for or consulted a physician or other health care provider for, or been diagnosed as having sprains, strains or other problems or conditions of the neck, back, shoulder, elbow or other joints, muscles, ligaments or tendons?

        3. Are you currently receiving, or have you ever received, disability or workers' compensation benefits for a period longer than one month?

        4. Have you been a patient in a hospital or similar institution during the past five years (Other than for normal pregnancy)?

        5. Have you consulted or been examined by a doctor or other health care provider during the past three years?

        6. Have you used tobacco products at any time during the past 12 months?

        7. What is your weight an height?

        I imagine this leaves out a lot of people! I feel sorry for some Canadians who succumbed to the hepetitis scandal ... and paralysis due to no fault of yours sets you out too!?

        I post this for other people hoping to buy real estate in the future. As well, the cabinet guy and I are having a disagreement on standard height/lowered cabinets. It's right in my contract - I made sure of it - so I won't hear any different. And flooring is twice as much as I had figured for - almost $3000 for laminate wood and ceramic tile.

        Yeouch. Won't be long now though.
        Roses are red. Tacos are enjoyable. Don't blame immigrants, because you're unemployable.

        T-11 Flaccid Paraplegic due to TM July 1985 @ age 12

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        • #19
          Which bank is that with? My mortgage is through Royal and it has no mention of paralysis. Either that, or me and my mortgage officer both missed it.

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          • #20
            Royal Bank.
            Roses are red. Tacos are enjoyable. Don't blame immigrants, because you're unemployable.

            T-11 Flaccid Paraplegic due to TM July 1985 @ age 12

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            • #21
              Wow, I wonder if their policies have changed in the last 14 months, or if I overlooked something.

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              • #22
                Originally posted by lynnifer:

                Royal Bank.
                Ohcrap,guessIshouldreadthefineprint.Ibettercallthe bank.

                "Learn from yesterday, live for today, hope for tomorrow"
                ~ Anon
                <a href="http://www.tickercentral.com"><img border="0" src="http://www.tickercentral.com/view/1u3/1"></a>
                Emily, C-8 sensory incomplete mom to a 8 year old and a preschooler. TEN! years post.

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                • #23
                  Spacebar troubles?

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                  • #24
                    lynnifer,

                    I just read this post. if you ever need help with anything in terms of yard work, etc, I have family who live in Windsor and my uncle loves helping my friends out. Just let me know if you ever decide to buy a house with a yard [img]/forum/images/smilies/smile.gif[/img]

                    ~And in knowing that you know nothing, that makes you the smartest of all- Socrates~

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                    • #25
                      It's official. Heard from the Royal Bank which states:

                      "When you completed the statement of health, you informed us that you have a history of paraplegia secondary to transverse myelitis. Based on this information relating to your health history, your mortgage insurance application has been declined; therefore, we are not able to offer you insurance coverage."

                      So how did the rest of you get it then?

                      P.S. Thanks Kiran .. within five years of owning this condo, I hope to graduate to a house!
                      Roses are red. Tacos are enjoyable. Don't blame immigrants, because you're unemployable.

                      T-11 Flaccid Paraplegic due to TM July 1985 @ age 12

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                      • #26
                        This is bullshit. At least check with other banks... if not speak to a lawyer. And write a letter to the President of Royal Bank. You'd be surprised what a letter can accomplish... with maybe a subtle threat of bad publicity for Royal Bank.
                        "Oh yeah life goes on
                        Long after the thrill of livin is gone"

                        John Cougar Mellencamp

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                        • #27
                          I went to check on my condo three weeks ago. Everything I had made such a big deal about (wheeling under sinks, raised toilet (not the lower normal ones), held-held shower, grab bars by toilet - was not done. They wanted to charge me extra for a different sink and toilet ... but I kindly referred them to the contract. I thought of referring to the real estate lawyer - but I don't see a need now as they conceded. I can't believe they were iffing me over it - it's in black and white! The bathroom is going to be pricey to fix - but they made the mistake, not me - they wanted to charge me extra! I also had asked them a million times to call me when they started the bathroom - not one call, not one email.

                          So important for anyone thinking of building to GET IT IN WRITING and stick to it. I'm being advised (coworkers, sister, friends) not to give a move-in date until things are fixed as well.

                          Builders surely know how to take the wind of the excitement ... lol.

                          The only guy to come through for me was the flooring dude - he did an awesome job and added a little ramp for free at the front so my chair doesn't smoosh the laminate wood floor (I'm assuming).
                          Roses are red. Tacos are enjoyable. Don't blame immigrants, because you're unemployable.

                          T-11 Flaccid Paraplegic due to TM July 1985 @ age 12

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                          • #28
                            Im glad its all comin together for ya though.Ive never met anyone who has had a home building go completely smooth...Went i got my mortgage,i went through a mortgage broker.He did all my bidding with the banks for me,explaining my situation to them and gettin me an awsome 4.25% interest rate.My dis was never a problem..

                            ~~I knew a lady who came from Duluth,bit by a dog with a rabid tooth,she went to her grave just a little to soon and flew away howlin on the yellow moon~~

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                            • #29
                              My crappy contractor thought that if I didn't catch him in the act of doing something wrong that I was being unreasonable to make him fix it. He would whine "But it is already done." Too bad buddy fix it. He actually complained to me once that he was lossing his shirt on the job. I said:"If you had done everything on time and right in the first place you would have made lots of money and we would both be happy."

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