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Appraisals and Home Inspections: What’s the Difference? Summerland, Penticton Okanagan Real Estate and Homes for Sale
Variable rate mortgages from as low as Prime minus 0.65%.
Prime Rate is 3.00%.*
*Note that Prime rate may vary according to lender.
Lower rates may be available in certain regions, or to those with higher credit scores or higher net worth – be sure to check with your Invis mortgage professional for full details.
Rates are subject to change without notice. Fixed mortgage rates shown in table above and quoted variable mortgage rates are available nationally to qualified individuals.
Appraisals & Home Inspections
Appraisals and Home Inspections: What’s the Difference?
A home is one of life’s most important purchases. Before committing to a purchase it makes sense to learn as much as possible about any property you wish to acquire. Understanding the important differences between an appraisal and a home inspection will help you to obtain detailed information about the home’s value and condition.
An Appraisal An appraisal allows the lending institution to determine if the property being purchased is suitable as security for a mortgage. For conventional mortgages, a lender will in most cases require that a professional third party assess the property to ascertain its current market value. In the case of a “high-ratio” mortgage (with a down payment of less than 20 per cent), the mortgage insurer will go through its own internal appraisal process. In particular, lenders and insurers are concerned that the property (in terms of its age, condition, and remaining economic life) constitutes a good match with the borrower and their ability to repay the mortgage. An appraisal does not usually include a detailed property inspection.
A Home Inspection A home inspection is not used to determine property value, but will provide an assessment of the physical condition of a property. A well-trained home inspector will perform a comprehensive visual inspection to determine the condition of the building and all of its major systems (for example the roof, structural, heating, plumbing and electrical systems). While an appraisal is intended to provide the lender with sufficient information to decide on mortgage financing, a home inspection will hopefully reveal to a potential homebuyer whether the building and its systems are in sound working order. If there are outstanding issues, a good inspector will provide the potential purchaser with a schedule outlining the estimated costs and when these repairs will need to be completed.
Your Invis mortgage consultant and your local realtor can provide further advice about how home inspections and appraisals can help you make a wise purchase.
Raymond MAASKE,BBA, CCC, ACRE, ATM-B Summerland & Penticton, Okanagan, BC
Disclaimer: ActiveRain Corp. does not necessarily endorse the real estate agents, loan officers and brokers listed on this site. These real estate profiles, blogs and blog entries are provided here as a courtesy to our visitors to help them make an informed decision when buying or selling a house. ActiveRain Corp. takes no responsibility for the content in these profiles, that are written by the members of this community.