I learned from experience that it is a tremendous mistake to close on a homeowner loan prior to having a home inspection first. Too many times we can get drawn into a false sense of believing that the property is perfect just because it looks great on the outside. Everyone wants to avoid the mistake of buying a home and finding out that major items stop working properly. My wife and I learned through our own nightmare that we ended up having to buy a new HVAC system and that every time it rained our basement flooded.
Having someone that you can trust working with perform your home inspection is a wise choice. Often it isn’t something that goes bad instantly where you can hold the inspector accountable, like the house we bought that the roof needed replacing only a few years after we moved in. If we would have known this before closing on our homeowner loan we would have negotiated the replacement or at least a credit toward that. A cracked foundation can be hard to detect by someone that is not trained and can be a huge expense later. I discovered how important this was when I had water coming in our basement and ruining a brand new carpet that we just had installed after moving in.
An even more common thing today would be the fact mold and mildew is showing up more and more in homes. Never hire a home inspector that doesn’t have some knowledge of detecting this. Not caring now about it will cost you thousands later when you are stuck with your home until it is removed. If you discover that your house has some it will be kiss of death. Run and never look back if the potential home you want has mold or mildew in it. End the purchase contract and apply your homeowner loan to a different home, once you find it.
Tag along with the home inspector as they inspect your home. This offers you comfort knowing that they went over every part of the property. When you’re unsure what they are seeing, stop and ask questions. Be sure that they look at things like the AC system, the sewer and plumbing, the attic, underneath the home or basement, and everything else imaginable? Beware of soft spots on the roof or signs of leaking? Follow them around and verify with them.
Since your house will most likely be the biggest investment you make in your life it just makes sense to invest in a home inspection to know that everything is going to be fine. There is nothing that will get you off and running on the right track that could be easier. I hope you understand how important is it to have a home inspection done prior to closing on your homeowner loan.
Looking to find the information on how to choose the right Homeowner Loan, then visit Greg Covey’s Blog.
