Home Inspection When Buying A House
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After a home inspection, you can ask your broker to negotiate any necessary repairs with the sellers or ask the sellers to lower the price so you can fix the problems yourself. Getting quotes from local contractors will help you write out a counter offer based on estimates, but a buyer should be aware that a seller is not obligated to fix anything."}},{"@type": "Question","name": "What Should You Ask During a Home Inspection?","acceptedAnswer": {"@type": "Answer","text": "During the inspection, ask the inspector what they will inspect and what isn't covered in the inspection. Ask them about anything you are worried about, like a sagging roof, poor electrical, or rusty or slow-flowing water out of the taps. Don't be afraid of asking questions during the inspection such as, "is this a big problem or a little problem?" and if they can explain any functions of the home you might not be familiar with, like a fireplace or an oil burner."}},{"@type": "Question","name": "How Long After a Home Inspection Does a Buyer Have to Back Out?","acceptedAnswer": {"@type": "Answer","text": "Many home inspection contingencies are based on a seven-day timetable. This means that after you sign the purchase agreement and the inspection occurs, you have seven days to back out."}},{"@type": "Question","name": "How Should You Prepare Your Home for a Home Inspection?","acceptedAnswer": {"@type": "Answer","text": "Make sure there is easy access to the property, from clearing out the entrance to your basement to clearing out any clutter. Take a good look at your roof, are there shingles falling off? If so, it might be time to fix them. Make sure all taps and toilets work. Then check that all the light bulbs are working in both exterior and interior lights.Fuse boxes should be easily identifiable, take care of leaks and water damage, and if you have a pest or bug infestation, bring a professional in to take care of it before the inspection occurs."}},{"@type": "Question","name": "How Much Does a Mold Inspection Cost on a Home?","acceptedAnswer": {"@type": "Answer","text": "The cost of a mold inspection can cost up to $1000 or as little as $295. It will depend on a few factors, including the inspector doing the job, and the size and location of the home."}}]}]}] Investing Stocks Bonds Fixed Income Mutual Funds ETFs Options 401(k) Roth IRA Fundamental Analysis Technical Analysis Markets View All Simulator Login / Portfolio Trade Research My Games Leaderboard Economy Government Policy Monetary Policy Fiscal Policy View All Personal Finance Financial Literacy Retirement Budgeting Saving Taxes Home Ownership View All News Markets Companies Earnings Economy Crypto Personal Finance Government View All Reviews Best Online Brokers Best Life Insurance Companies Best CD Rates Best Savings Accounts Best Personal Loans Best Credit Repair Companies Best Mortgage Rates Best Auto Loan Rates Best Credit Cards View All Academy Investing for Beginners Trading for Beginners Become a Day Trader Technical Analysis All Investing Courses All Trading Courses View All TradeSearchSearchPlease fill out this field.SearchSearchPlease fill out this field.InvestingInvesting Stocks Bonds Fixed Income Mutual Funds ETFs Options 401(k) Roth IRA Fundamental Analysis Technical Analysis Markets View All SimulatorSimulator Login / Portfolio Trade Research My Games Leaderboard EconomyEconomy Government Policy Monetary Policy Fiscal Policy View All Personal FinancePersonal Finance Financial Literacy Retirement Budgeting Saving Taxes Home Ownership View All NewsNews Markets Companies Earnings Economy Crypto Personal Finance Government View All ReviewsReviews Best Online Brokers Best Life Insurance Companies Best CD Rates Best Savings Accounts Best Personal Loans Best Credit Repair Companies Best Mortgage Rates Best Auto Loan Rates Best Credit Cards View All AcademyAcademy Investing for Beginners Trading for Beginners Become a Day Trader Technical Analysis All Investing Courses All Trading Courses View All Financial Terms Newsletter About Us Follow Us Facebook Instagram LinkedIn TikTok Twitter YouTube Table of ContentsExpandTable of ContentsThe Home Inspection ContingencyWhat a Home Inspection CoversExterior InspectionInterior InspectionNot Covered in a Home InspectionAfter the InspectionHome Inspections: Worth the Investment?Frequently Asked QuestionsFAQsThe Bottom LineMortgageBuying a HomeWhat Is a Home Inspection Contingency and Why Is It Important? By
A home appraisal is a different action than a home inspection, but is also often a required contingency. A mortgage lender sets up an appraisal, and the appraiser will use various valuation methods, including comparable home prices, size, and quality of the home, to assess its fair market value.
Legally, you don't have to get anything fixed after a home inspection. However, you may not be able to obtain financing if the house has electrical issues, water damage, structural issues, damaged roofing, problems with HVAC, poor plumbing, or infestations of pests like rats, mice, or insects.
After a home inspection, you can ask your broker to negotiate any necessary repairs with the sellers or ask the sellers to lower the price so you can fix the problems yourself. Getting quotes from local contractors will help you write out a counter offer based on estimates, but a buyer should be aware that a seller is not obligated to fix anything.
During the inspection, ask the inspector what they will inspect and what isn't covered in the inspection. Ask them about anything you are worried about, like a sagging roof, poor electrical, or rusty or slow-flowing water out of the taps. Don't be afraid of asking questions during the inspection such as, "is this a big problem or a little problem?" and if they can explain any functions of the home you might not be familiar with, like a fireplace or an oil burner.
Inspecting the physical condition of a house is an important part of the home-buying process, for purposes of understanding whether you're paying an appropriate price for the house and what repairs it might need before or after you move in; not to mention whether you want the property at all.
In an ideal world, a home inspection should be included in your purchase contract as a condition of closing the sale (a "contingency"). In tight markets, buyers are known to waive the inspection contingency, to make their offer more attractive to the seller. It's a risk you'll have to evaluate with the help of your agent. One middle-ground option is to condition the sale on what's known as a "yes/no" inspection, meaning that you can use the results as a reason to back out of the deal entirely (with the assumption that this you'd do this only because something major turned up) but won't use it as a basis to negotiate for price reductions or repairs.
No matter how good the house looked, or how savvy your real estate agent, it takes a professional to test and prod for hidden defects. Even if the seller provides you an inspection report, it's best not to rely on this alone. The seller might have chosen an inspector who's not known for rooting out problems.
Ask for disclosures before you get an inspection. In many states, such as California, sellers are required to disclose considerable information about the condition of the house itself and potential hazards to the property. (See Required Disclosures When Selling U.S. Real Estate.) But this is just the beginning: Not all sellers know about problems with the house or honestly disclose them. (Sometimes they've lived with a problem for so long that they've literally forgotten it's there!) Nevertheless, the disclosures are useful to hand to your inspector for follow-up on known issues.
Because if you're in a situation where you're competing against other buyers (which can happen in any market, if a house is particularly desirable), this can help you set your offer apart. You'd most likely be able to submit an offer without an inspection contingency, thus reassuring the seller that your offer price is firm, not something you're likely to whittle away at after you're in contract, based on whatever a later inspection reveals. (On the other hand, you risk coming in with an offer price that's lower than others', having taken the house's problems into account; which only you know about at that point.)
Some sellers will refuse to allow preinspections in any case, particularly because, if you alert them to problems with the house, they're then likely obligated to divulge these to other potential buyers as part of their state's disclosure laws.
This will take two or three hours and likely cost you $300 or more, depending on the location, size, age, and type of home. Accompany the inspector during the examination, so that you can learn more about the maintenance and preservation of the house, ask questions, and get a real sense of which problems are serious and which are relatively minor. (The inspector will write everything down on the report, so reading it can be a bit scary if you hadn't already seen that, for instance, "cellulose against the foundation" just meant a pile of old leaves that you could easily remove.) 781b155fdc
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