There are a plethora of reasons you should get your future home inspected before you close the deal. In some cases your lender may need it, while in others it is a matter of protecting yourself before investing a great deal of money into the home of your dreams. Before taking on a home inspection, though, it is necessary to know what to look for, who you should hire and how to handle the situation if the inspection produces less than desirable results.
Your Lender
You may wonder why the lender cares about having an inspection done; why you receiving your loan is contingent upon the results of the inspection. When you first apply for your loan, the amount you are approved for is based on the appraisal of the property.
What the value of the property is deemed worth is what the lender is willing to give you. You must remember that this house is the collateral for the loan. If there are too many structural damages that lower the value of the home, the lender will require these damages are repaired before they proceed with the contract.
Saving You Money
Another reason you want to have the home inspected before moving forward with the purchase is protecting yourself. You want to add this as a contingency in your purchase offer. Not every seller is honest about the problems their home may have. An inspection will reveal these issues.
If significant repairs will cost you a great deal of money, the contingency in your purchase offer allows you to back out without penalty as long as it is within a reasonable amount of time.
Questions to Ask the Inspector
Make sure you hire a professional inspector with plenty of experience. Ask to see his qualifications, and make sure he will give you a written report of his บ้านมือสอง ราคาถูก findings. When he does the inspection go with him and ask him to show you anything he believes is wrong and the seriousness of it. Ask him anything and everything that comes to mind--it is your future home and you have every right to know.
What Should Be Included
The exterior walls should be checked for any cracks along with any damage that could come from insects such as termites. The foundation, although usually not visible, can be checked for signs of settling. The grading should slope away from the house. If it does not, you are looking at possible water damage. The roof is a major area, and the inspector needs to look for signs of missing shingles which could result in water damage inside the home.
Inside the house he should be checking the plumbing, especially the pipes. If any need to be replaced, this can be costly. He will check all the wiring and outlets, along with the heating and ventilation systems. The water heater is also important. He can tell how old it is and approximate how much longer it may have left.
These are most of the areas of the home you want the inspector to go through, although he may choose to check more of the house. You may cringe at the thought of paying for this, but it is definitely within your best interest to do so. It may just save you money in the long run.
A licensed home inspector will lead you into the right direction. Now remember he is only doing the home inspection. He may not be certified to handle mold, foundation, plumbing, or roofing. He makes the recommendations and it is up to you to do further due diligence.
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