Questions to Ask a Home Inspector
Detailed and carefully conducted home inspections are a priority before buying any property. Here are a few questions future homeowners should ask a home inspector:
“How long have you been in business and how many home inspections have you performed?”
It is recommended you hire a home inspector with substantial work experience, such as someone working as a home inspector for at least 5 years. A homebuyer should also ask an inspector about his professional certifications with nationally recognized industry organizations. It’s good to interview at least three inspectors and ask for a sample report and references from each.
“Can you tell me exactly what will happen during the inspection?”
This will eliminate any unpleasant surprises. Ask your inspector whether you can follow him during the inspection. (But promise to stay out of his way.) If the inspector is brief in the phone interview or personal interview, he may be hurried in his work as well.
“What will be included in my report and what type of format will you use for it?”
Too much information is never a problem in an inspection report. A professional home inspector should provide a homeowner with:
- a customized narrative on the condition of all the home's major components and areas that are in need of maintenance
- the estimated repair and replacement recommendations
- costs that will be involved if any work is needed.
“How soon will I get my report?”
Expediency is important with so many dates and deadlines to adhere to.
“If problems are found and then repaired, how quickly can you re-inspect the property so you can modify the original report?”
If time is a crucial factor for a homebuyer this information will be very helpful.
A professional home inspection can save a homebuyer thousands of dollars later. Therefore, it is advisable to invest more before buying a house and don't necessarily hire the inspector offering the lowest prices on the market.
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What's your dream house? A marble manse stuffed with art? A swinging pad where the stereo's always thumping and the hot tub's always bubbling? A clean, well-lighted place … that also has a Viking range and a Sub-Zero fridge?
Your answer says a lot about your values and attitudes — and may have a lot to do with when you were born. So say the authors of a new study of 1,000 home owners nationwide. The market research company GfK Roper Reports asked Americans to prioritize the amenities they'd have in their dream home — not necessarily amenities they already have, or will have in their next home. The different responses, from baby boomers through first-time generation-Y buyers, reflect how different features appeal to different ages and also how tastes have shifted over time.
Take a look at the different value sets among the generations…
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Income Tax Savings
Because of income tax deductions, the government is basically subsidizing your purchase of a home. All of the interest and property taxes you pay in a given year can be deducted from your gross income to reduce your taxable income.
For example, assume your initial loan balance is $150,000 with an interest rate of eight percent. During the first year you would pay $9969.27 in interest. If your first payment is January 1st, your taxable income would be almost $10,000 less – due to the IRS interest rate deduction.
Property taxes are deductible, too. Whatever property taxes you pay in a given year may also be deducted from your gross income, lowering your tax obligation.
As always, we advise you consult with a tax professional about your tax situation. If you have a comment or question, please feel free to leave that below.
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