More Blog Posts on Similar Subjects:

  1. What do you check in a mobile home inspection?

  2. Should a home inspection scare you?

  3. Are there any minimum standards that a home inspection must meet in Florida?

  4. Are you licensed and insured?

  5. We looked at the house carefully, and it seems alright. Do we really need a home inspection?

  6. What questions should I ask the home inspector during the inspection?

  7. Should I be there for the inspection?

  8. What’s the difference between a roof inspection and a roofing estimate?

  9. The seller has to fix everything you find wrong with the house, right?

  10. Can I do my own home inspection?

  11. What is the best way to negotiate repairs after the home inspection?

  12. Should I hire an engineer to inspect the house?

  13. What happens at a home inspection?

  14. Do you see similar problems with houses in the same neighborhood?

  15. Does the home inspector also check for termites?

  16. What should I wear to a home inspection?

  17. What do I need to know about a condo inspection?

  18. How much does a home inspection cost?

  19. What should I bring to the home inspection?

  20. Do inspectors go on the roof? Do they get in the attic?

  21. Is it still possible to do an inspection if there’s no electricity or water?

  22. What should I look for when buying a former rental house?

  23. Is it common for an insurance company to require an inspection?

  24. Can I do my own wind mitigation inspection?

  25. What different types of specialized inspections can I get?

  26. What is the difference between a building inspector and a home inspector?

  27. How do sellers try to fool the home inspector?

  28. What is the difference between a home inspection and a final walkthrough inspection?

  29. What can I learn from talking with the seller?

  30. Do you lift up the carpet to look for cracks in the floor?

  31. What can go wrong when a homeowner encloses a porch without a building permit?

  32. Should the seller be at the home inspection?

  33. What is the average lifespan of a house?

  34. What are the common problems to look for when buying a 1970’s house?

  35. Should I use my realtor’s home inspector or choose one myself?

  36. Can a home inspector do repairs to a house after doing the inspection?

  37. Should I use a contractor or a home inspector to inspect a house I’m buying?

  38. Should I get a home inspection before signing a contract to buy the house?

  39. When did the first Florida Building Code (FBC) begin and become effective?

  40. Should I trust the Seller’s Property Disclosure Statement?

  41. Should I only hire an inspector that is a member of a national association like ASHI, InterNACHI, or NAHI?

  42. What is a “cosmetic” defect in a home inspection?

  43. Where are the funny home inspection pictures?

  44. Should I follow the home inspector around during the inspection?

  45. Why are expired building permits a problem for both the seller and buyer of a home?

  46. Why do realtors call some home inspectors “deal killers”?

  47. How can I reduce the risk of an expensive surprise when buying a house sight unseen?

  48. Who should pay for the home inspection?

  49. The seller gave me a report from a previous home inspection. Should I use it or get one of my own?

  50. What tips do first-time homebuyers need to know to get a better home inspection?

  51. What are the most Frequently Asked Questions (FAQ) at a home inspection?

  52. Can you do a home inspection in the rain?

  53. How can I make sure I don’t get screwed on the home inspection?

  54. Does a home inspector give cost estimates for repairs?

  55. Do home inspectors inspect outbuildings?

  56. What inspections does a bank or mortgage lender need for loan approval?

  57. Should I buy a house that has been remodeled/renovated without building permits or has open permits?

How to Look

at a House


A blog with answers
to your questions about
HOME INSPECTION
and HOME MAINTENANCE

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Welcome to our blog!
We want you to be an informed homebuyer, and each blog post is a question that we have answered for our friends and customers over the years. Hope they help you make a good choice for your next home.

   Here’s the complete text from the HUD form:

What the FHA Does for Buyers...

and What We Don't Do

What we do: FHA helps people become homeowners by

insuring mortgages for lenders. This allows lenders to offer

mortgages to first-time buyers and others who may not

qualify for conventional loans. Because the FHA insures the

loan for the lender, the buyer pays only a very low downpayment.

What we don't do: FHA does not guarantee the value or

condition of your potential new home. If you find problems

with your new home after closing, we can not give or lend

you money for repairs, and we can not buy the home back

from you.

That's why it's so important for you, the buyer, to get an

independent home inspection. Ask a qualified home

inspector to inspect your potential new home and give you

the information you need to make a wise decision.

Appraisals and Home Inspections are

Different

As part of our job insuring the loan, we require that the

lender conduct an FHA appraisal. An appraisal is different

from a home inspection. Appraisals are for lenders; home

inspections are for buyers. The lender does an appraisal for

three reasons:

to estimate the value of a house

to make sure that the house meets FHA minimum property

standards

to make sure that the house is marketable

Appraisals are not home inspections.

Why a Buyer Needs a Home Inspection

A home inspection gives the buyer more detailed

information than an appraisal--information you need to

make a wise decision. In a home inspection, a qualified

inspector takes an in-depth, unbiased look at your

potential new home to:

•  evaluate the physical condition: structure, construction,

and mechanical systems

•  identify items that need to be repaired or replaced

•  estimate the remaining useful life of the major systems,

equipment, structure, and finishes

What Goes into a Home Inspection

A home inspection gives the buyer an impartial, physical

evaluation of the overall condition of the home and items

that need to be repaired or replaced. The inspection gives

a detailed report on the condition of the structural

components, exterior, roofing, plumbing, electrical,

heating, insulation and ventilation, air conditioning, and

interiors.

Be an Informed Buyer

It is your responsibility to be an informed buyer. Be sure

that what you buy is satisfactory in every respect. You

have the right to carefully examine your potential new

home with a qualified home inspector. You may arrange

to do so before signing your contract, or may do so after

signing the contract as long as your contract states that

the sale of the home depends on the inspection.

   We couldn’t have said it better if we tried!


While we hope you find this series of articles about home inspection helpful, they should not be considered an alternative to an actual home inspection by a local inspector. Also, construction standards vary in different parts of the country and it is possible that important issues related to your area may not be covered here.
©2015 - McGarry and Madsen Inspection.
 

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