The home buying process is not one to take lightly. With this purchase, you will be investing in your future. The home itself is a complex network of systems that will require regular maintenance to uphold its value. Our job as the Home Inspector is to assess the condition of these systems and alert the client of any unforeseen issues, upcoming maintenance, or safety issues.
What should I look for in a Home Inspector?
When you begin searching for your home inspector you should be looking for several qualifications, accreditations, and positive reviews. Make sure you hire an inspector that is licensed and insured to do home inspections in your state. To be sure your inspector is held up to the highest standard always check that the inspector is accredited by one of the top affiliations for Inspectors. The two leading companies are InterNACHI and ASHI. These companies require additional training and testing to be associated and offer many benefits for you the home buyer.
Every Inspector should be taking advantage of today's technology to do the very best inspection they can. The newest tech to meet our market is the Thermal Imaging Camera. This camera allows Home Inspectors to see the surface temperature of the materials in the home, this allows us to see many things that otherwise would be invisible to the naked eye. Using this technology along with other tools in our arsenal, we can identify things such as but not limited to; water leaks, air intrusion, insufficient insulation, and circuit overloads.
Our software is modern, clean, intuitive and highly user-friendly. Our reports are easy to access and read on the web or mobile device. Our comprehensive reports include photos, videos, diagrams and we document vital system information such as serial numbers, suggested maintenance information, etc. CLICK HERE to view a sample report.
The latest technology to surface the home inspection market is thermal imaging. This tool allows us to detect temperature differentials throughout the home. This exposes energy deficits and potential water intrusions. Home Town Home Inspector offers thermal imaging as a standard service provided at no additional cost.
Buying a home is often the biggest investment of a lifetime. Homeownership comes with a lot of responsibility like maintenance and upkeep. To help you with the process, we offer a complimentary home maintenance manual with every inspection.
Every Inspector is held to a benchmark set by each state referred to as the standard of practice.
We offer a 15% discount for all Military and First Responders.
We understand that time is of the essence when it comes to your real estate transaction and you need your report as quickly as possible to negotiate potential repairs. Home Town Home Inspector promises to have your report delivered by the end of the next business day at the latest.
We are just a call, click or text away from having your home inspection scheduled! For the fastest service check out our online scheduler for quotes and availability! Click Here to get started.
Before you start looking for a home, you will need to know how much you can actually spend. The best way to do that is to get prequalified for a mortgage. To get prequalified, you just need to provide some financial information to your mortgage banker, such as your income and the amount of savings and investments you have. Your lender will review this information and tell you how much we can lend you. This will tell you the price range of the homes you should be looking at. Later, you can get preapproved for credit, which involves providing your financial documents (W-2 statements, paycheck stubs, bank account statements, etc.) so your lender can verify your financial status and credit.
Real estate agents are important partners when you’re buying or selling a home. Real estate agents can provide you with helpful information on homes and neighborhoods that isn’t easily accessible to the public. Their knowledge of the home buying process, negotiating skills, and familiarity with the area you want to live in can be extremely valuable. And best of all, it doesn’t cost you anything to use an agent – they’re compensated from the commission paid by the seller of the house.
Start touring homes in your price range. It might be helpful to take notes (using this helpful checklist) on all the homes you visit. You will see a lot of houses! It can be hard to remember everything about them, so you might want to take pictures or video to help you remember each home.
Make sure to check out the little details of each house. For example:
It’s also important to evaluate the neighborhood and make a note of things such as:
Take as much time as you need to find the right home. Then work with your real estate agent to negotiate a fair offer based on the value of comparable homes in the same neighborhood. Once you and the seller have reached agreement on a price, the house will go into escrow, which is the period of time it takes to complete all of the remaining steps in the home buying process.
Typically, purchase offers are contingent on a home inspection of the property to check for signs of structural damage or things that may need fixing. Your real estate agent usually will help you arrange to have this inspection conducted within a few days of your offer being accepted by the seller. This contingency protects you by giving you a chance to renegotiate your offer or withdraw it without penalty if the inspection reveals significant material damage.
Both you and the seller will receive a report on the home inspector’s findings. You can then decide if you want to ask the seller to fix anything on the property before closing the sale. Before the sale closes, you will have a walk-through of the house, which gives you the chance to confirm that any agreed-upon repairs have been made.
Lenders have a wide range of competitively priced loan programs and a reputation for exceptional customer service. You will have many questions when you are purchasing a home, and having one of our experienced, responsive mortgage bankers assist you can make the process much easier.
Every home buyer has their own priorities when choosing a mortgage. Some are interested in keeping their monthly payments as low as possible. Others are interested in making sure that their monthly payments never increase. And still others pick a loan based on the knowledge they will be moving again in just a few years.
Lenders will arrange for an appraiser to provide an independent estimate of the value of the house you are buying. The appraiser is a member of a third party company and is not directly associated with the lender. The appraisal will let all the parties involved know that you are paying a fair price for the home.
As you can imagine, there is a lot of paperwork involved in buying a house. Your lender will arrange for a title company to handle all of the paperwork and make sure that the seller is the rightful owner of the house you are buying.
At closing, you will sign all of the paperwork required to complete the purchase, including your loan documents. It typically takes a couple of days for your loan to be funded after the paperwork is returned to the lender. Once the check is delivered to the seller, you are ready to move into your new home!
This helpful knowledge is brought to you by Discover.