Buying a home when you have Crohn's

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Regular Member

Date Joined Jan 2006
Total Posts : 315
   Posted 8/30/2008 5:31 PM (GMT -7)   
My family is renting a small apartment.  My wife has told me many times how she dreamed of buying a home (preferrably a single family residence).  From my current income, we can afford a modest home.  But my Crohn's Disease added a lot of uncertainties to the home buying decision.  I have had my current job for almost 4 years.  I feel it is quite stable.  But my Crohn's is like a time bomb that it can explode at any time. If my disease becomes out of control, then I will probably lose my income and may lose my home (I am the breadwinner in my family).  But we cannot delay this home buying decision for ever.
So what is your experience on this? I would like to listen to other people's perspectives.  Thanks.

Diagnosed with CD in 1994;

In 1994 I was treated with Pentasa of no avail.  Have being treated with Chinese herbal medicines for over 10 years.

Elite Member

Date Joined Feb 2004
Total Posts : 20577
   Posted 8/30/2008 6:27 PM (GMT -7)   
Some ideas are; making sure you spend a little less than what you qualify for...looking into access to disability if you get sick enough to not be able to work for a while (in Canada/Alberta you can get insurance on your mortgage so if you get disabled for 6 months or more then the bank makes your mortgage payments if you qualify for this kind of insurance)...also where I live if for reasons of temporary issues arise then social services will help make mortgage/rent payments so people don't lose the roof over their heads, this is also temporary help.


My bum is broken....there's a big crack down the middle of it! LOL :)

Rider Fan
Veteran Member

Date Joined May 2008
Total Posts : 1445
   Posted 8/30/2008 6:27 PM (GMT -7)   
Are you able to get disability insurance through work? That may give you some peace of mind.
Dx'ed in 1999. No surgeries.

Current meds: 75 mg 6MP. 3mg prednisone (trying to taper). Udo's Choice Probiotics (30 billion).

Regular Member

Date Joined Jan 2006
Total Posts : 315
   Posted 8/30/2008 6:50 PM (GMT -7)   
Rider Fan said...
Are you able to get disability insurance through work? That may give you some peace of mind.

That is an excellent point.  My company does offer long term disability insurance, which would replace something like 50% of my income.  I am not sure how difficult it is to qualify for long term disability insurance under the Company's plan.  Maybe I have to qualify under social security disability insurance too.  I will look into that.  Thanks.

Diagnosed with CD in 1994;

In 1994 I was treated with Pentasa of no avail.  Have being treated with Chinese herbal medicines for over 10 years.

Regular Member

Date Joined Jun 2008
Total Posts : 35
   Posted 8/30/2008 7:07 PM (GMT -7)   
We purchased a home that was below what we were approved for, just incase one of us lost our jobs. Just b/c you get approved for 400,000 does not mean you need to buy a home for that much. Right now is a great time to buy there is a lot of homes on the market for cheap. I suggest doing a lot of research on your own. My first home I put all my trust in the realtor and knew nothing and ended up in a bad situation.

We also have 6 mths. of living expenses in saves, we figure if one of us looses our job we can take a job make as half as much as we do now and still be fine for over a 2 yrs.

Veteran Member

Date Joined May 2005
Total Posts : 511
   Posted 8/30/2008 7:16 PM (GMT -7)   
Yes having 6months to a year worth of living expense in savings is a big plus!! Then you really wouldn't have to worry too much.  It's good you are looking out for this, but don't pass up buying a home due to it.  Now is a great time to be buying #1, and #2 your Crohn's could not turn for the worse for a very long time kwim??   Start building equity asap.

Living with Crohn's Disease since Jan./2000 but had a few years prior
I'm a true Crohnie with IBS and Arthrities too
Meds I have tried:  Too many to list- LOL
Meds currently on:  Prednisone 10mg this week
                           Methotrexate injections once a week 25mg
                           Folic Acid 5mg once a week
                           Wellbutrin twice a day
No Surgeries

New Member

Date Joined Aug 2008
Total Posts : 3
   Posted 8/30/2008 8:29 PM (GMT -7)   
Hi, I'm in the home buying process myself and have had Crohns for 2 years. I'm a little bit paranoid myself about all the "what ifs". I have a small payroll deduction for short term disabililty (like $12 a paycheck), which if I'd get really sick and end up needing surgery and a long recovery period, I'd receive 60% of my salary for a few months (I think 3 months).  What my husband and I did then was to make sure we can afford the mortgage payments on his income plus 60% of mine. We also have almost 6 months of savings put aside. Our goal is to keep that 6 months of salary in savings and try to put extra on our mortgage payment each month to pay the mortgage off sooner than 30 years. I'd definitely look into short and long term disability through your workplace. The peace of mind is worth it!

Regular Member

Date Joined Oct 2007
Total Posts : 149
   Posted 8/30/2008 8:32 PM (GMT -7)   
I look at it this way you have to pay rent anyways to live, buying a home is no difference. At least it will be yours when your mortgage is done. My wife and i mortgage a home for almost 12 years now 8 more years it will be ours.

Good luck and stay well.. :)
Crohns for 13 years
1 surgery so far
2 times in hospital for blockages
B12 Injections

Veteran Member

Date Joined May 2005
Total Posts : 4219
   Posted 8/30/2008 9:21 PM (GMT -7)   
I agree with Erik. You have to pay rent or a mortgage. Not being to pay either one would suck. Might as well have a mortgage. And can't your wife work if she had to? I don't mean to sound harsh but just because you are currently the breadwinner doesn't mean you have to be. God forbid you get too sick, then she needs to work. Marriage is a give and take. And if she is a stay at home mom, if you had to stay home due to sickness you would become the stay at home dad. No need to have 2 stay at home parents.
26 Year old married female law student (last year!!). Diagnosed w/ CD 4 years ago, IBS for over 10 years before that, which was probably the CD. I am sort of lactose intollerant too but can handle anything cultured and do well w/ lactose pills and lactaid. For crohns I am currently on Pentasa 4 pills/4x day and hysociamine prn. I also have bad acid reflux and have been on PPI's since age 13. I have been through prilosec, prevacid, and nexium. Currently I am on Protonix in the morning and Zantac at night. I also take a birth control pill to allow some fun in my life.

Veteran Member

Date Joined Apr 2005
Total Posts : 3763
   Posted 8/31/2008 12:36 AM (GMT -7)   
Fitzy's idea is great. Your wife should work on updating her skills so that if the 'worse' did happen she would be able to enter the work force at least until the CD calmed down. I am a stay at home mom and my skills are completely out of date. If something happened to my husbands job or God forbid to him, I could not go out and enter the workforce doing what I once did. I would need a couple of years of training. Also, I'm pretty sure there are policies that pay your mortgage if you become sick, I don't know the cost or the preexisting condition clauses. They might be something that come into play when you don't put down more that 20% and you have to pay private mortgage insurance(PMI). I'M sure your real estate agent should have some info for you.

CD 19 years offically, 29 unofficially. 3 resections '93, '95 '97
Symptoms constantly but all tests show only minor ulcerations. Currently having multiple episodes of gastritis with no known cause.

Prednisone, 6MP,Prevacid, B12 shots, Bentyl, Xifaxan.....

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