CT Real Estate Agents
Stacy Ann Stephens


A home includes several systems and
features all of which makes our lives pleasant and comfortable, but can be major
headaches when they malfunction.  If you
buy a washing machine and it breaks the first time you use it, you can take it
back to the store. If you buy a home and you discover the roof is leaking when
you have your 1st rainy day, unfortunately you can’t give back to
the sellers, it’s all on you.  An
inspection will discover the hidden defects before you buy the home and you can
go back to the seller and negotiate before buying the home.
Inspection of the physical
condition of the home is an important aspect of the home-buying process and should
not be skipped because the condition of the home will affect the value of which
might affect your mortgage commitment in the later stages of your home-buying process.
The inspector will look for defects
or malfunctions in the building’s structure, systems, and physical components,
such as the roof, plumbing, electrical and heating/cooling systems, floor
surfaces and paint, windows and doors, and foundation, and detect pest
infestations or dry rot and similar damage. The inspector should also examine
the land around the house for issues concerning grading, drainage, retaining
walls, and plants affecting the house.
Sometime the seller will do their
own inspection before putting the home on the market.  I recommend that you do your own inspection – Although
I do commend the seller’s effort, the seller could have unknowingly chosen an
inspector who does not expose the true problems with the home.
Ask for the property condition disclosures before you get an
. In most states sellers are required to disclose all known
information about the condition of the house itself and potential hazards to
the property.  Some sale such as probate,
and foreclosures are exempt from providing a these disclosures because the
sellers have not lived in the house and would not be able to attest to the
condition of the house.
The inspection provides critical information
for you to make a well informed home-buying decision. Therefore PLEASE do not “google”
inspectors in your area.  As always when
hiring a professional start with referral from people you know and trust.   Your
Buyers Agent should have a list of qualified inspectors for you to choose
Yes new houses and condos need inspection too.
I recommend that you don’t skip the
inspection when buying a new home or a condominium.  In fact, I have noticed that the defects in
new construction and condos are harder to identify because they have not gotten
a chance to show up yet.  I recommend
that if you are purchasing a new house, get an inspector that specialize in new
homes and condos.  I also recommend to my
buyers that they have the builder’s work inspected during the construction phase
What to expect at the home inspection
A typical home inspection can last
from 2 -6 hours, depending on the size of the home.  I recommend that you attend your inspection.  It is your opportunity to get an up close
look at the house you are buying.  I encourage
you to ask questions and the best inspectors will give you some good home maintenance
tips and recommendations.

Your Inspection Report

You should receive a copy of the
inspection report within 48 hours; some inspectors give you the report immediately
following the inspection.   Once you receive the inspection report PLEASE
Read IT! I often see buyer approached the
inspections as just another item to check off the process; however this should
be treated as very valuable information on the house you are buying.

No home is perfect, therefore, don’t
panic! I recommend that you and your Buyers Agent make a list of all the
inspection concerns and sort out the items that are actually safety concerns and
worth negotiating over.
Required repairs and renegotiation
You have the option of asking the
seller to make repairs or compensation in the form of decrease in sale price or
cash at closing.
Once you have decided on the
repairs/ compensation you require in order to purchase the house, your Buyers Agent will convey your request to the seller.
Once you and seller reach an
agreement, the contract is amended accordingly and you will move to finalizing
your mortgage product with you lender.
I the rare cases when an agreement is not
reached on the repairs/compensation, your Buyers Agent or attorney will draft a
termination letter for your deposit (escrow) to be returned to you.Related Links:



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