A Home Inspection is an Absolute Must

Mortgage and Lending with Mortgage Consultant, Right Trac Financial Group, Inc. NMLS # 2709 NMLS # 6869


“A Home Inspection is an Absolute Must”

Home Inspection

When a do a preapproval for clients, one of the discussions is about the home buying process and the importance of a home inspector. Most people understand, but from time to time I am asked why they need one. Very quickly they understand how important.

There are times that I have clients referred to me, that I would not have done a preapproval for and they already have a deposit on a property. Every once and a while, the purchase agreement indicates no inspections.

I never understand the rationale, but when I am told that one of the parties recommended that a home inspection was not necessary, I get extremely concerned.

The home inspections should always be part of every home purchase, no matter what.


Choosing a Professional Home Inspector


By: Dan Steward


There are approximately 30,000 home inspectors nationwide today. Only about half of the states require any kind of certification or licensing for home inspectors. So how do you know you are recommending the best home inspectors to your clients?


Hiring the right home inspector is as important as the actual home inspection itself. As with most professions, both qualified and unqualified individuals can claim to be “professionals,” but what makes the home inspection industry especially vulnerable is the fact that it is currently unregulated in most states. Here are some ways you can protect your clients from hiring an unqualified inspector:


• Busy real estate professionals are likely to have a list of inspectors ready to refer to clients. As those lists change due to retirement, relocation and other reasons, it’s a good idea to always be on the lookout for professional home inspectors to add to your referral list. Follow up with clients immediately after the inspection and then again six months down the road. They may say they were happy with an inspector immediately following the inspection, but when problems are uncovered during the first year of homeownership that a home inspection should have found, clients may change their mind on a recommendation.


• After recommending home inspectors to your clients, encourage them to do their own research. They should be asking potential inspectors for their qualifications, professional affiliations and certifications. Professional association affiliations can include membership in the National Association of Home Inspectors and American Society of Home Inspectors. Members of both of these organizations are committed to standards of practices and codes of ethics.


• Inquire about insurance. Professional home inspectors carry Errors and Omissions insurance (E&O), which can protect your client if the inspector makes a mistake. Home inspectors should also carry commercial general liability insurance.


• Do not refer or hire inspectors who either perform repairs or refer contractors. Although some states allow this, it could potentially represent a conflict of interest.


• Ask for a sample home inspection report. A good report will clearly state the problem, explain the significance and recommend a course of action. Many inspectors also offer home maintenance guides that contain information about how a home works, how to properly maintain it, repair cost estimates, seasonal maintenance checklists and various ways to save energy.


• Ask home inspectors about the technology used during the inspection. Look for inspectors who use computers and take photos during inspections and incorporate those photos into the report.


• A professional home inspector will tag all accessible shut-offs within the home. This is a great added value for homeowners unfamiliar with the inner workings of a home.


• Ask how long the home inspection will take. Most inspections take at least three hours, some longer, depending on the size of the house and the nature of the inspection. Encourage your clients to stay for the duration and to shadow the inspector and ask questions about noted problems. Many things uncovered in home inspections are easy fixes and should not lead to a deal falling through.


• Know when to call in an expert. If your client is looking at a home with a pool, make sure the inspector has experience with pools. Additionally, if your client is concerned about mold, radon or lead paint, make sure the home inspector has the ability to do the proper testing.


image: freedigitalphotos.net


Posted by

Subscribe to my blog via Email:


Enter your email address:

Delivered by FeedBurner


Joe Petrowsky, NMLS #6869

Right Trac Financial Group, Inc. NMLS #2709

110 Main St.

Manchester, Ct. 06042

Office: 860 647-7701 x116

Fax: 860 647-8940

Cell: 860 836-9294

Email: joe@righttracfg.com



Like me on facebookfollow me on twitterConnect with me on linkedin

Joe Petrowsky does not guarantee nor is in any way responsible for the accuracy of the information provided herein, and provides said information without warranties of any kind, either expressed or implied.

Equal Housing Statement: We are pledged to the letter and spirit of U.S. policy for the achievement of equal housing opportunity throughout the Nation. We encourage and support an affirmative advertising and marketing program in which there are no barriers to obtaining housing becuase of race, color, religion, sex, handicap, familial status, or national origin.


This entry hasn't been re-blogged:

Re-Blogged By Re-Blogged At
ActiveRain Community
All About Mortgages/Mortgage Networking
Wake Up Brokers
Connecticut Professionals
Consumer Mortgage Tips
home buying process
home inspector
home purchase
home inspection report
home inspection

Post a Comment
Spam prevention
Spam prevention
Show All Comments
Sally K. & David L. Hanson
Keller Williams 414-525-0563 - Brookfield, WI
WI Realtors - Luxury - Divorce - Short Sale

From the school of "knowing what you don't know".....and good home inspectors know that they may need to refer to other specific professionals/trades for issues with a home...inspection...first, most and always.

Oct 22, 2012 10:48 PM #1
Edward Gilmartin
CRE - Boston, MA

Home inspections have gotten so expensive lately it is important to have a good agent that can point potential trouble out before one gets to the offer.

Oct 22, 2012 10:49 PM #2
Roger D. Mucci
Shaken...with a Twist 216.633.2092 - Euclid, OH
Lets shake things up at your home today!

I can't imagine purchasing a home without a home inspection Joe............it just isn't a wise thiing to do.  Reminds me of when they found my stolen car and the adjuster told me it looked good.  I told her my 93 year old Mother looked good too, but she couldn't walk, hear or see................

Oct 22, 2012 11:15 PM #3
Merline D Pennant - New homes, Short Sales and Pre-foreclosures
Regal Realty of the Treasure Coast LLC - Port St Lucie, FL
New City, New Towns, New homes

I would always advise a buyer to get a home inspection.  If they decide they do not want to do one then I would have them sign to that effect.  Then it is on them if they discover anything after that.

Oct 22, 2012 11:20 PM #4
Debbie Reynolds
Platinum Properties - Clarksville, TN
Your Dedicated Clarksville TN Real Estate Agent

Joe, I really believe that is true and get really nervous when a buyer says he doesn't want one or doesn't want to spend the money.

Oct 23, 2012 12:20 AM #5
George Souto
George Souto NMLS #65149 FHA, CHFA, VA Mortgages - Middletown, CT
Your Connecticut Mortgage Expert

Joe I do the same as you, even if it is a condo.  A home inspection is one of the best expenditures that they will make in the homebuying process.  The other thing that I also recommend is the Owners Title Policy, it is a cheap price for the extra protection.

Oct 23, 2012 01:31 AM #6
Roy Kelley
Realty Group Referrals - Gaithersburg, MD
Roy and Dolores Kelley Photographs

Good advice.  We always recommend a professional home inspection.

Oct 23, 2012 01:33 AM #7
Patricia Feager
Selling Homes Changing Lives


Here in TX, when a buyer makes an offer, I always give them two forms to read and sign. One says, "For Your Protection: Get a Home Inspection." On the second form, the buyer has to check whether or not they choose to hire a home inspector, then they must sign and date that form too.  Both forms specifies what a buyer needs to know and talks about being an informed buyer. My Broker requires it and I have never had a buyer or an investor choose not to have a Home Inspector.

This is very, very important. It's the buyers responsibility to be an informed buyer.

What I admire about you, is that you always inform with integrity.

Oct 23, 2012 04:54 AM #8
Richard and Beth Witt
Long Island Cash Home Buyer - Massapequa, NY
Long Island Cash Home Buyer 516-330-6940

Could not agree with you more Joe.. (no surprise there) ... We've been buying houses for 30 years and we always have a structural engineer check them out before we close the deal... Rich always turns to the pros when it comes to our money...

Happy Day Joe


Oct 23, 2012 06:11 AM #9
Hella Mitschke Rothwell
(831) 626-4000 - Honolulu, HI
Hawaii & California Real Estate Broker

Joe: Every time I hear about home inspections, I smile, because each buyer is looking for something different when hiring one. What they SHOULD do is confirm or not that you are buying a sound investment, free from things that need to be fixed. Recently an elderly lady buyer, was worried that she wouldn't get along with the inspector. I said something like, "what does that have to do with anything?" She was under the impression that he would go over the house with her and show her how to access, fix, reach, turn on and off, everything in the house. Realizing that she was actually worried about moving into her house all by herself, I hired an inspector who had a good "people" manner and he did show her those things she was afraid of.

Oct 23, 2012 09:48 AM #10
Ellen Caruso
Daniel Gale Sotheby's International Realty - Glen Head, NY

Joe, I've been in the middle ofa negotion all night where and the home was an older home and entirely redone....still I told my buyers new does not mean perfect....Inspection comes next!

Oct 23, 2012 11:56 AM #11
Gay E. Rosen
Julia B. Fee Sotheby's International Realty - Larchmont, NY
As Real as Real Estate Gets!

Joe-  so many inspectors.. who to choose!  An inspection is so important..  I try to have my clients research the inspcetors prior to our obtaining the accepted offer so we are ready set to go!

Oct 23, 2012 12:08 PM #12
Conrad Allen
Re/Max Professional Associates - Webster, MA
Webster, Ma, Realtor

Hi Joe.  I will not sell a home to a buyer with out the home inspection.

Oct 23, 2012 09:09 PM #13
Post a Comment
Spam prevention
Show All Comments

What's the reason you're reporting this blog entry?

Are you sure you want to report this blog entry as spam?


Joe Petrowsky

Your Mortgage Consultant for Life
What mortgage questions can I answer for you
Spam prevention

Additional Information