Home modification basics & financing options

by Bill and Aby Brooks, REALTORS® 05/26/2024

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A home modification is a specific type of remodel or renovation meant to help increase accessibility and safety in your home. There are many types of home modifications including addition of ramps, elevators and handrails. 

Here are some more facts about home modifications to help you understand the basics:

What is home modification?

Home modifications are made for individuals with disabilities to meet specific requirements under the Americans With Disabilities Act, or ADA. 

While ADA regulations primarily apply to businesses and public properties, home modification helps elders and people with disabilities live independently or in safe conditions.

How a home modification works

The scope and cost of a home modification depends on the individual property and resident's needs. For example, you could install safety bars on the walls in the bathroom for a few hundred dollars over thousands installing a wheelchair accessible shower.

Depending on the size of the project, financing options are available. 

The American Housing and Home Remodeling Association is the largest resource in the country offering education, training, courses and support. You may also be able to obtain a special renovation loan to cover the expense of your changes.

Evaluating your needs

Before any home improvement changes, consider all of your needs room by room. Some changes are simple, like adjusting the height of furniture and shelving. 

However, if you have an older home with narrow doorways and stairwells, making them accessible is a much larger project to plan for.

Budgeting for home modifications

A clear understanding of your particular accessibility needs will be the best place to begin when budgeting for home modifications. To get started, you can consult the ADA's official guidelines for accessible design. 

Once you have an idea of the cost associated with your project, contact a professional contractor for a quote.

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Some contractors may offer reduced rates for qualifying elders and people with disabilities. You can also apply for a home renovation assistance loan through various lenders to fund your improvements.

House Renovation
Renovation
About the Author
Author

Bill and Aby Brooks, REALTORS®

Aby’s understanding of excellent customer service stems from her extensive professional background. Prior to earning her real estate license in 2005, along with her college degree that focuses on business and engineering, Aby was the head of purchasing, inventory and quality assurance for an OEM medical and aerospace manufacturing company. Known by her clients and fellow realtors for her tenacity, honesty, integrity, and attention to detail, as a full-time realtor, she is also appreciated for her quick response to her client’s needs. Aby has been an avid horse rider and owner since the age of eight, with her husband Billas a local firefighter/EMT they are very active within the community. Bill served as a US Army Airborne Ranger in 75th Ranger Regiment, he is a combat-wounded veteran who was awarded a Purple Heart. Bill's background as facility Manager for an International metals company and as a firefighter/EMT gives him the experience, attention to detail and the desire to go above and beyond to serve his customers. The Brooks' serve on the board of a local non-profit (501c3) that gives back to the veterans, first responders and their families. The Brooks family resides on their small ranch in Manatee County. Aby& Bill excel in all types of real estate and their passion is helping people. “We genuinely like people, growing up in Sarasota and Manatee counties and now raising our own family here, it is an absolute pleasure to share our growing area with newcomers and reminisce with longtime residents. Our area has so much to offer and it is our business to help folks buy and sell their own piece of paradise.”