• Why do I need a home inspection? Aren't physical deficiencies noted in an appraisal?

Appraisals are prepared for lenders; home inspections are for you, the buyer. Home inspections give the buyer detailed information on the physical condition of the property and potential problems—information you need to make a wise decision.

• Will a home inspection hurt my chances of getting a mortgage?

No. The home inspection is for your benefit as the buyer. It will not impact your chances of getting a mortgage and many mortgage lenders encourage home inspections to insure you know what you are getting.

• Are home inspections required?

No, but many mortgage companies, Realtors, and HUD strongly recommend a report before settlement.

• Who pays for the home inspection?

The buyer pays for the inspection. The cost depends on the size, age, and amenities in the home. Remember, spending a few hundred now could say you thousands later; make sure you know the physical condition of the home in order to make a wise decision.

• When is payment due? Do you take credit cards?

Payment is due at the time of the inspection. White Glove accepts personal checks, cash, Visa, MasterCard or Discover.

• How long does an inspection take?

Again, it depends on the home. In general you can expect 2.5 to 3 hours for an "average" size house.

• How long does it take to get the report?

Usually you will get your report at the end of the inspection. White Glove's report is 16 pages and will outline all items that should be repaired or replaced. The report will evaluate the physical condition: structure, construction, and mechanical systems. See "Scope & Services" for details on what is inspected.

• If the home inspector finds repairs that are not noted on an appraisal, will I have to borrow more?

No, appraisals assume all required repairs are completed. Any additional repairs noted by the inspector will not impact an appraisal value.

• If my home inspection reports major deficiencies, can my contract be canceled?

For the contract to be canceled, your agreement of sales must state that the contract may be canceled if the repairs indicated by the home inspector exceed a certain dollar amount. Before you sign the agreement for sale, ask your Realtor or attorney to make sure you have this protection.

• If the inspection identifies major deficiencies, who pays to have them repaired?

The cost to repair major deficiencies is typically negotiated between the buyer and seller.

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