Steer Clear of a DIY Home Inspection

buyers home inspection brainerd, certified home inspector brainerd, home inspection brainerd home inspection for sellers brainerd, certified home inspector brainerdNot everyone has the same “limitations” that Clark has in the popular Christmas movie, Christmas Vacation.  But everyone has a Cousin Eddie like in the movie…..well-meaning, a jack of all trades, a relative or close friend that is as excited as you are to be buying a home and they offer to do your home inspection.  Home Detective doesn’t mind if they come with, but for peace of mind, it is better to hire a professional to conduct your home inspection.

Home Detective is certified by over 4 leading trade organizations as a home inspection expert, with rigorous knowledge and experience requirements that a jack of all trades can’t possibly offer, such as the Midwest Association of Home Inspectors (MAHI)American Home Inspection Training (AHIT)American Society of Home Inspectors (ASHI), and the International Association of Certified Home Inspectors (InterNACHI).

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Cousin Eddie from Christmas Vacation

These certifications along with years of experience will ensure you have peace of mind after you purchase your home.  In addition to our credentials, Home Detective offers a Free 90 Day Warranty for all the home inspections we do with the option for an 18 month extended warranty.

To schedule your home inspection today or for more information, contact Reed at (763) 434-3155.  Home Inspection Rogers | Certified Home Inspector Rogers | Home Inspection for Sellers Rogers | Pre-listing Home Inspection Rogers | Buyers Home Inspection Rogers | Home Inspection Warranty Rogers | Home Inspector Rogers  

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4 Reasons to Buy A Home This Winter!

home inspection Rogers, certified home inspector Rogers, home inspection for sellers Rogers, pre listing home inspection Rogers, buyers home inspection Rogers, home inspection warranty Rogers, home inspector RogersHere are four great reasons to consider buying a home today instead of waiting.

1. Prices Will Continue to Rise

CoreLogic’s latest Home Price Insight report revealed that home prices have appreciated by 5.6% over the last 12 months. The same report predicts that prices will continue to increase at a rate of 4.7% over the next year.

The bottom in home prices has come and gone.  Home values will continue to appreciate for years. Waiting no longer makes sense.

2. Mortgage Interest Rates Are Projected to Increase 

Freddie Mac’s Primary Mortgage Market Survey shows that interest rates for a 30-year mortgage have hovered around 4.8%. Most experts predict that rates will rise over the next 12 months.  The Mortgage Bankers Association, Fannie Mae, Freddie Mac and the National Association of Realtors are in unison, projecting that rates will increase in 2019.

An increase in rates will impact YOUR monthly mortgage payment. A year from now, your housing expense will increase if a mortgage is necessary to buy your next home.

3. Either Way, You are Paying a Mortgage

There are some renters who have not yet purchased homes because they are uncomfortable taking on the obligation of a mortgage. Everyone should realize that unless you are living with your parents rent-free, you are paying a mortgage – either yours or your landlord’s.

As an owner, your mortgage payment is a form of ‘forced savings’ that allows you to build equity in your home that you can tap into later in life. As a renter, you guarantee your landlord is the person building that equity.

Are you ready to put your housing cost to work for you?

4. It’s Time to Move on With Your Life

The ‘cost’ of a home is determined by two major components: the price of the home and the current mortgage rate.  It appears that both are on the rise.

But what if they weren’t? Would you wait?

Look at the actual reason you are buying and decide if it is worth waiting. Whether you want to have a great place for your children to grow up, you want your family to be safer, or you just want to have control over renovations, maybe now is the time to buy.

If the right thing for you and your family is to purchase a home this year, buying sooner rather than later could lead to substantial savings.  If you do buy this winter, contact Reed at Home Detective to schedule a certified and complete home inspection at (763) 434-3155.  Veteran Owned and all our inspections come with a Free 90 Warranty (appliances included).  Home Inspection Rogers | Certified Home Inspector Rogers | Home Inspection for Sellers Rogers | Pre-listing Home Inspection Rogers | Buyers Home Inspection Rogers | Home Inspection Warranty Rogers | Home Inspector Rogers

The information contained, and the opinions expressed, in this article are not intended to be construed as investment advice. Keeping Current Matters, Inc. does not guarantee or warrant the accuracy or completeness of the information or opinions contained herein. Nothing herein should be construed as investment advice. You should always conduct your own research and due diligence and obtain professional advice before making any investment decision. Keeping Current Matters, Inc. will not be liable for any loss or damage caused by your reliance on the information or opinions contained herein.

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AC on Garage Door

Wacky Home Inspection Finds #4home inspection Rogers, certified home inspector Rogers, home inspection for sellers Rogers, pre listing home inspection Rogers, buyers home inspection Rogers, home inspection warranty Rogers, home inspector Rogers

We come across some interesting discoveries on home inspections.  In this picture, the homeowner attached an AC unit to his garage security door instead of mounting it to the window or a wall.

We can help buyers uncover these kinds of hazards and help sellers with a pre-listing home inspection.  We are all Do-it-Yourselfers in some sense, but DIY’ers often overlook code requirements for convenience.  We get it and can help both buyers and sellers identify inspection obstacles to a smooth closing.

To schedule a home inspection, contact Reed today online or call (763) 434-3155.  Home Detective is certified by over 4 leading trade organizations as a home inspection expert, such as the Midwest Association of Home Inspectors (MAHI)American Home Inspection Training (AHIT)American Society of Home Inspectors (ASHI), and the International Association of Certified Home Inspectors (InterNACHI)

All of our homes inspections come with a FREE 90 Day Warranty.  Home Inspection Rogers | Certified Home Inspector Rogers | Home Inspection for Sellers Rogers | Pre-listing Home Inspection Rogers | Buyers Home Inspection Rogers | Home Inspection Warranty Rogers | Home Inspector Rogers

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8 Home Inspection Missteps to Avoid

Home Inspection Rogers, Certified Home Inspector Rogers, Buyers Home Inspection Rogers, Home Inspection Warranty Rogers, Home Inspection for Sellers Rogers, Home Inspector Rogers, Home Inspection Brainerd, Buyers Home Inspection Brainerd, Certified Home Inspector Brainerd, Buyers Home Inspection St. Michael, Home Inspection for Sellers Brainerd, Home Inspector St. Michael, Home Inspector BrainerdOnce your offer has been accepted, the next step is getting through your inspections.   As the buyer, you’ll want to make sure you’re prepared & know what to expect — and we’re here to help with that.

We’ve compiled a list of the eight biggest home inspection missteps that cost buyers money. Read them over to make sure you go into this process with your best foot forward:

1. Skipping the inspection entirely

You’ve probably heard that waving your right to inspections is a powerful negotiating tool to getting your offer accepted. While this is true, it’s also a risk. When you skip inspections, you’re essentially agreeing to buy the property, regardless of any damage that may be present. You’re also agreeing to take financial responsibility for the necessary repairs.

In contrast, if you elect to have a home inspection done, you’ll have the opportunity to walk away from the deal, if the damage is too extensive for you to handle.

You’ll need to weigh the pros and cons to decide whether not the extra bargaining power is worth it.

Ask yourself: Is this your dream home? Will you be devastated if it goes to someone else? Are you financially equipped to handle potentially-costly, unexpected repairs? Would you feel more comfortable looking at another home where electing to perform a home inspection is not a deal-breaker?

2. Hiring someone uncertified

As the buyer, you’re responsible for hiring the inspector of your choice. However, that doesn’t mean that you can bring in just anyone. While each state has its own specific requirements, most insist that in order for an inspection to be considered valid, the inspector must be properly licensed, certified, and up-to-date on their educational requirements.

You should look into your state’s specific regulations to make sure that any inspector you hire will make the cut, but in general, it’s a good idea to hire someone certified by one of the three, main associations.  They are the American Society of Home Inspectors (ASHI), the National Association of Home Inspectors (NAHI) and the International Association of Certified Home Inspectors (InterNACHI).

3. Neglecting to read reviews first

That said, being properly certified isn’t the only quality that you should look for in a home inspector.

Just as you would with any other contractor, you should do a little research to get a sense of their work history before hiring the person that you feel is the best fit. Reading reviews is a great way to know what you’re getting into.

Ideally, you’ll want to hire someone who has quite a few positive reviews to choose from. In particular, keep an eye out for the following: Was the inspector on time? Was he or she easy to work with? Were the buyers able to understand the inspection report without too much difficulty? Were any mistakes discovered after-the-fact?

4. Having unrealistic expectations

The term ‘home inspection’ can be a bit vague, so it’s not all that surprising that many buyers aren’t sure what to expect. It’s important to know that this inspection only covers certain interior elements of the home – things like the electrical and plumbing, heating and cooling systems, and the condition of windows.

However, exterior elements like the roof, the sewage system, and any other exterior structures on the property are not covered. While you are, of course, welcome to have any of these other factors looked at, you’ll need to elect additional inspections in order to do so.

While putting your offer together, you should ask the agent you’re working with if any additional inspections are appropriate.

5. Not showing up for the inspection

While the inspection report will give you a sense of the scope of the repairs a home needs, it’s not the same as seeing it with your own eyes.

The best thing you can do, as the buyer, to ensure that you’re going into the sale with open eyes is to attend your inspections. The home inspector will be there to explain any problems to you and answer your questions if needed.

Arrive on-time and accompany the inspector as he or she examines the property. You should finish with a realistic picture of the severity of any damage and a firm idea of when you can expect to have a report in hand.

6. Skimming the inspection report

Sometimes inspection reports can get a little long and dense, so buyers will make the mistake of skimming it rather than reading the whole thing. Unfortunately, this can have unexpected consequences, especially if you should happen to miss a huge – or expensive – issue.

The reality is, the inspection report is your get-out-of-jail-free card. If a problem is discovered during the inspection that’s too big for you to handle, you can walk away from the deal and get your money back – as long as you cite the problem during negotiations. If you don’t mention it, but discover the problem later, there’s no going back. Make sure you know exactly what you’re getting into before your money is on the line.

7. Negotiating poorly

Most buyers wish that they could ask the sellers to fix all of the problems found on the inspection report. While that would be ideal, it’s also unrealistic. Negotiations are a give-and-take, after all, and it’s a much better idea to make sure that sellers feel compelled to fix the most important issues with their home, rather than letting them cherrypick the easiest ones from a long list.

When negotiating, we recommend that you focus on the two or three problems that are most important to you and chalk the rest up to the cost of homeownership.

Keep in mind that structural or mechanical issues are often big-ticket fixes that you’ll want the seller to handle. Smaller fixes that can be done by a handyman can often be taken care of at a later date and at little cost to you.

8. Forgetting to collect documentation

If your seller does agree to do some repairs, you’ll want to be sure to collect any documentation on the work that was done. Contractor invoices can give you reassurance that the repair was made by a qualified professional and will also give you someone to turn to in the event that there’s another problem down the road.

This article originally appeared on OpenListings.

To schedule a home inspection, contact Reed today online or call (763) 434-3155.  Home Detective is certified by over 4 leading trade organizations as a home inspection expert, such as the Midwest Association of Home Inspectors (MAHI)American Home Inspection Training (AHIT)American Society of Home Inspectors (ASHI), and the International Association of Certified Home Inspectors (InterNACHI)

All of our homes inspections come with a 90 Day Warranty.  To learn more about our Free 90 Day Warranty (appliances included), visit 90 Day Warranty.   Home Inspection Rogers | Certified Home Inspector Rogers | Buyers Home Inspection Rogers | Home Inspection Warranty Rogers | Home Inspection for Sellers Rogers | Home Inspector Rogers | Home Inspection Brainerd | Buyers Home Inspection Brainerd | Certified Home Inspector Brainerd | Buyers Home Inspection St. Michael | Home Inspection for Sellers Brainerd | Home Inspector St. Michael | Home Inspector Brainerd

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2 in 1 Toilet-Shower-Wacky Home Inspection Finds #3

Wacky Home Inspection Finds #3.

Home Inspection Brainerd, Certified Home Inspector Brainerd, Buyers Home Inspection Brainerd, Home Inspection Warranty St. Michael, Home Inspection for Sellers St. Michael

2-1 Toilet-Shower Combo

Every week we stumble upon some interesting discoveries.  In this picture, the homeowner plumbed his toilet and shower together making for an interesting morning routine for the family.

We can help buyers uncover these kinds of hazards and help sellers with a pre-listing home inspection.  We are all Do-it-Yourselfers in some sense, otherwise, there would be no use for hardware stores.  But, DIY’ers often overlook code requirements for the practical.  We get it and can help both buyers with peace of mind and sellers identify inspection obstacles to a smooth closing.

To schedule a home inspection, contact Reed today online or call (763) 434-3155.  Home Detective is certified by over 4 leading trade organizations as a home inspection expert, such as the Midwest Association of Home Inspectors (MAHI)American Home Inspection Training (AHIT)American Society of Home Inspectors (ASHI), and the International Association of Certified Home Inspectors (InterNACHI)

All of our homes inspections come with a 90 Day Warranty.  Home Inspection Rogers | Certified Home Inspector Rogers, Buyers Home Inspection Rogers | Home Inspection Warranty Rogers | Home Inspection for Sellers Rogers | Home Inspector Rogers | Homes Inspector St. Michael | Home Inspector Brainerd

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2 in 1 Toilet-Shower Combo-Wacky Home Inspection Finds #3

Wacky Home Inspection Finds #3

Home Inspection Brainerd, Certified Home Inspector Brainerd, Buyers Home Inspection Brainerd, Home Inspection Warranty St. Michael, Home Inspection for Sellers St. Michael

2-1 Toilet-Shower Combo

Every week we stumble upon some interesting discoveries.  In this picture, the homeowner plumbed his toilet and shower together making for an interesting morning routine for the family.

We can help buyers uncover these kinds of hazards and help sellers with a pre-listing home inspection.  We are all Do-it-Yourselfers in some sense, otherwise, there would be no use for hardware stores.  But, DIY’ers often overlook code requirements for the practical.  We get it and can help both buyers with peace of mind and sellers identify inspection obstacles to a smooth closing.

To schedule a home inspection, contact Reed today online or call (763) 434-3155.  Home Detective is certified by over 4 leading trade organizations as a home inspection expert, such as the Midwest Association of Home Inspectors (MAHI)American Home Inspection Training (AHIT)American Society of Home Inspectors (ASHI), and the International Association of Certified Home Inspectors (InterNACHI)

All of our homes inspections come with a 90 Day Warranty.  Home Inspection Rogers | Certified Home Inspector Rogers, Buyers Home Inspection Rogers |Home Inspection Warranty Rogers | Home Inspection for Sellers Rogers | Home Inspector Rogers | Homes Inspector St. Michael | Home Inspector Brainerd

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Appliances Included: Home Inspection Warranty

No matter how thorough the inspection, issues come up after the sale from time to time with previously owned homes.  It’s not the inspector’s fault, nor the agents or new homeowners.  That’s why Home Detective offers a FREE 90 Warranty with any home inspection we do.  Some buyers and agents have used it over the years, ALL with positive reviews.  Every party to the transaction leaves it with peace of mind.

 

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Click Here to Learn More About the 18 Month Extended Home Inspection Warranty

For appliances, all claims must be received within 90 days of the inspection or within 22 days of closing, whichever comes later.*  For added peace of mind, you can extend it for 18 months.  Seller’s selling old homes, buyers buying old homes love this option.  It often makes deals happen that seemed lost.

To schedule a home inspection, contact Reed today online or call (763) 434-3155.  Home Detective is certified by over 4 leading trade organizations as a home inspection expert, such as the

Midwest Association of Home Inspectors (MAHI)American Home Inspection Training (AHIT)American Society of Home Inspectors (ASHI), and the International Association of Certified Home Inspectors (InterNACHI).

Home Inspection Rogers | Certified Home Inspector Rogers | Buyers Home Inspection Rogers | Home Inspection Warranty Rogers | Home Inspection for Sellers Rogers | Home Inspector Rogers | Home Inspection Brainerd | Buyers Home Inspection Brainerd | Certified Home Inspector Brainerd | Buyers Home Inspection St. Michael | Home Inspection for Sellers Brainerd | Home Inspector St. Michael | Home Inspector Brainerd

 

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Buyer Beware: Bank Owned Property

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Bank Owned Property: Burst Water Pipes

Caveat emptor is Latin for “let the buyer beware” because the principle has been around for centuries.  Bank owned, investor-owned, (aka REO Property or “Real Estate Owned”), For Sale by Owner and absentee investor-owned property for sale often present “sweat equity” opportunities for buyers plus they are often listed at a discount price.  Although the price may be right, buyers need to be extra careful when buying them for two reasons.  As a certified home inspection company, Home Detective can help.

Disclosure Requirements are Different

Bank owned, investor-owned, (aka REO Property or “Real Estate Owned”), For Sale by Owner and absentee investor-owned property for sale are almost always sold “as-is” without a “Seller’s Disclosure Statement.”  Sellers that live in a home when they are selling it must report by law issues they have had with it.  But, with an “as-is” sale, the buyer is holding the seller harmless for any known/unknown issues with the property.  This makes it critical the buyer’s inspection be a rigorous one.

Bank Owned Property is Often Vacant

The picture for this blog is a bank owned property that went on the market in late fall.  Like this year, it can get cold fast.  The property was not winterized.  After the buyer’s offer was accepted, they ordered a buyer’s home inspection and found that the water pipes burst.  The main point here is, assuming the bank cleaned up the water damage and put it back on the market “as-is,” a different buyer might not know to look for visible signs of mold or other collateral damage issues.  This is why a rigorous inspection is necessary to ensure peace of mind when purchasing a bank owned property.

I don’t want to discourage buyers in any way from considering buying a bank owned, investor-owned, (aka REO Property or “Real Estate Owned”), For Sale by Owner or absentee investor-owned property for sale.  They can be and often are excellent opportunities for the right buyer(s).   But do a thorough inspection with a certified inspector.  Home Detective is certified by over 4 leading trade organizations as a home inspection expert, such as the Midwest Association of Home Inspectors (MAHI)American Home Inspection Training (AHIT)American Society of Home Inspectors (ASHI), and the International Association of Certified Home Inspectors (InterNACHI).

To schedule a home inspection, contact Reed today online or call (763) 434-3155.  All of our homes inspections come with a 90 Day Warranty with very affordable options for an 18 month extended warranty.  Home Inspection Brainerd | Certified Home Inspector Brainerd | Buyers Home Inspection Brainerd | Home Inspection Warranty St. Michael | Home Inspection for Sellers St. Michael

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Jack of All Trades VS Certified Home Inspector

We all have them, well-meaning, a jack of all trades, a relative or close friend that is as excited as you are to beHome Inspection Warranty Brainerd, Home Inspection Brainerd, Certified Home Inspector St. Michael, Home Inspection for Sellers St. Michael buying a home and they want to do your home inspection.  Home Detective doesn’t mind if they come with you, but for peace of mind, it (is better to hire a professional to conduct your home inspection.

Home Detective is certified by over 4 leading trade organizations as a home inspection expert, with rigorous knowledge and experience requirements that a jack of all trades can’t possibly offer, such as Midwest Association of Home Inspectors (MAHI)American Home Inspection Training (AHIT)American Society of Home Inspectors (ASHI), and the International Association of Certified Home Inspectors (InterNACHI).  These certifications along with years of experience will ensure you have peace of mind after you purchase your home.  In addition to our credentials, Home Detective offers a Free 90 Day Warranty for all the home inspections we do with the option for an 18 month extended warranty.

To schedule a home inspection, contact Reed today online or call (763) 434-3155.  All of our homes inspections come with a 90 Day Warranty with very affordable options for an 18 month extended warranty.  Home Inspection Warranty Brainerd | Home Inspection Brainerd | Certified Home Inspector St. Michael | Home Inspection for Sellers St. Michael |Pre-listing Home Inspection St. Michael | Buyers Home Inspection St. Michael | Certified Home Inspector Brainerd | Home Inspection for Sellers Brainerd | Pre-listing Home Inspection Brainerd | Buyers Home Inspection Brainerd | Home Inspection Warranty St. Michael | Home Inspection St. Michael

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Schedule a Back Up Home Inspector

Free 90 Day Home Inspection Warranty.  Call Home Detective if your “go to” home inspector is booked up or not Pre-listing Home Inspection Brainerd, Buyers Home Inspection Brainerd, Home Inspection Warranty St. Michael, Home Inspection St. Michaelexceeding your expectations.  Short notice requests are welcome!  We are veteran owned and certified home inspectors by the Midwest Association of Home Inspectors (MAHI), American Home Inspection Training (AHIT), American Society of Home Inspectors (ASHI), and the International Association of Certified Home Inspectors (InterNACHI).

To schedule a home inspection, contact Reed today online or call (763) 434-3155.  All of our homes inspections come with a 90 Day Warranty with very affordable options for an 18 month extended warranty.  Home Inspection Rogers | Certified Home Inspector Rogers | Buyers Home Inspection Rogers | Home Inspection Warranty Rogers | Home Inspection for Sellers Rogers | Home Inspector Rogers | Home Inspection Brainerd | Buyers Home Inspection Brainerd | Certified Home Inspector Brainerd | Buyers Home Inspection St. Michael | Home Inspection for Sellers Brainerd | Home Inspector St. Michael | Home Inspector Brainerd

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