Items missed on home inspection?
RNmomof2 zone 5
3 years ago
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So aggravated over agent & Home inspection
Comments (34)I do feel pretty confident in their loan; though one can never be 100% sure. I mean, the buyer could always lose their job 1 week before closing, or have done something dumb like buy a car. I did agree to extend it for a few more days. The ACORN loan as I understand it is a program that is run by ACORN (www.acornhousing.org; a PAC or something) in conjunction mainly with Bank of America. It requires a home ownership class, a good credit history for the past 12 months. However, uniquely it allows for a wider variety of income considerations such as child support, etc. It also offers a rate usually BELOW current rates. There are income limitations in which you can make no more than XXXX per year. In the DC area, they will cover a loan up to $417k. I believe they will loan up to $5-$10k for closing, repayment begins AFTER 5 years. This part of BOA's "do good" programs. Dave, thanks for piping in and yes, this is my jump off point. In 6 months or 1 year or later, I will feel I have done the right thing by walking away. I feel it now. If I wanted to "give away" my house, I would have just called an investor "we buy for cash, etc" type place. Terriks, I understand what you are saying but believe me, my agent has NO idea regarding anything with loans. None whatsover. I don't think she even realized that she would have to deal with loan officers as part of her job. Sparksal, yes this is the same agent. We are giving her 3 commissions. What a sweet deal, huh?...See MoreHome Inspections - the Good and the Not So Good
Comments (11)Knee jerk reaction...absolutely tell the buyers...however, exactly how will you prove such if he denies it? IÂm curiousÂwhy wasnÂt the buyer present for the inspection? If they had been, he may have been more thorough...if not (which is most likely) they would probably at least have had a clue... Where did they get this guy? To add some fuel to the fire, although thermal imaging is a hot new toy for HI's...there are no established standards yet that have been set by which to measure their "assessment"...so, it can be a dangerous new toy indeed....couple this with the fact that many who utilize such have limited if any training...and the findings are usually worthless...in terms of missing something...or in incorrectly identifying an image. I would therefore require info on his certification, training and documented experience in correctly using thermal imaging before I would think about considering remediating any problem that he might claim the camera identified. Does your state regulate HI's? If so, you may want to take a look to see the regs... In addition, if your buyers ask for anything to be fixed or for any credit, without an independent finding that the problem does exist, I would refuse....then you might be asked why...and you can then explain. Of course,also your service techs findings should be able to bolster your claim of the HI's inadequate performance. Last but not least, most home warranties are not worth the paper they are written upon....and, a professional HI inspection is not about aesthetics... It sounds as if this HI was the bargain basement variety... If you do move forward with these buyers, I would tell them of your concerns, and require that they get a different HI to inspect for purchase...one who they have at least reference checked. In addition, they should make it their business to be present for the inspectionÂso if HI#2 doesnÂt run the waterÂbut then pretends that he didÂthey would know. This HI epitomizes the practice of "drive-by" inspectionÂPerhaps he thinks that his thermal imaging camera will wow everyone so much they wonÂt notice that he does not do his jobÂ......See MoreBuying First Home - Inspection Follow Up Advice
Comments (12)When the inspection says the crawlspaces are not insulated properly, do they mean that the crawlspaces have vapor barriers that were not put in correctly (which, as hollysprings notes, may have caused other issues), or that they simply aren't insulated at all? The latter is super common in old houses (our 100-year-old crawlspace over dirt has no insulation or barriers, for instance, although our climate is not as cold as yours so we've had no real motivation to do it). These all sound like pretty typical old house issues to me, though. (Our house probably had 2/3 of them when we moved in!) The chimney/fireplace repointing is just something that has to be done every so often; ditto with replacing shakes, etc. Sometimes inspections will also call things that were okay when they were done but no longer accepted (e.g., our attic had loose insulation over knob-and-tube wiring, which is a big no-no today, but was permitted when it was installed by our local electric company as part of a weatherproofing program for seniors many years ago). Assuming your lender doesn't require any of this to close, I'd probably just ask for a price reduction/credit to address these--most of them aren't expensive and many can be DIYed if you feel like it. Then you can decide how/if you want to address them yourself. None of these would be dealbreakers for me, though, as an owner of a similarly old house. Good luck!...See MoreMultiple Home Inspections on Million Dollar Home
Comments (5)Knowing what state you are in, county or city might help. You might go to your local building dept and talk to them. Even though most cannot (and should not) recommend a inspector, some do have information who NOT to use. Ex: Los Angeles county does what they call a occupancy inspection done by their building inspectors which are trained in most of what you cover. When we sold, the inspector picked by the buyer was at first reluctant to go around the property as it was rural mountain property. DH was a retired LA county inspector, introduced himself, ( I was not evolved), as we had built the house ourselves. Within a short period of time many of the questions were answered and we only had a few minor things to correct and the inspector was very grateful and appreciated any information DH gave him. In fact he thought he might look into changing jobs. Check the internet to find out more about home inspectors, some fair, but many not trained well as many are general contractors. Just do your homework....See MoreRNmomof2 zone 5
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