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I would look at the contract and see what is says my rights are. Here you can inspect away to your heart's content as long as it is during the inspection period. Are you out of your inspection period?
Out here on a house that age, we would do an oil tank locate (if there was no sign it was gone), a sewer scope unless there were records that it was recently replaced or repaired, radon testing, and many folks choose to do lead paint testing just so they know exactly where it is. You aren't inspecting too much.
Location: East of Seattle since 1992, 615' Elevation, Zone 8b - originally from SF Bay Area
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I too would normally suggest that you have the inspection or walk away, but if the other inspections revelaed only one bad beam, and there is no sihn of sagging floors or cracked plaster, replacing that beam is not really costly enough to make it a deal breaker if you really want the house. The
real problem is that the lender will see the report and may not approve the loan without the inspection and repairs, even if you pay for it.
...The real problem is that the lender will see the report and may not approve the loan without the inspection and repairs, even if you pay for it.
The lender will not see the buyer's inspection report unless the buyer decides to give it to their lender. The lender's appraiser may note the issue in the appraisal report if they happen to see it.
In any case, I recommend you get a structural inspection if you are still in the inspection period of the contract. Part of the general home inspector's job is to point out issues that should be followed up by specialists.
If the Appraiser wants to see the Home Inspection Report, he/she will get it. I don't care what state the purchase is in.
If the Appraiser recommends their client have their own Home Inspection report, the lender will have one done. If the Appraisers asks their client to supply them with the Home Inspection Report, the lender/client will.
The Appraiser can contact the buyer or seller at any time, ask them questions and request additional information.
FIRREA is involved, as well. The lender should have all pertinent information given to the Appraiser for a credible analysis.
An Appraiser performs their own inspection, as well. Most Appraisers are educated in Home Inspection; it is part of Appraisal. An Independent Appraiser "will" note it, whether there is a report sitting in front of them or not -- they will do more than just 'note it,' as well.
...If the Appraiser wants to see the Home Inspection Report, he/she will get it. I don't care what state the purchase is in....
We've had this discussion before. What authorizes the appraiser to get the buyer's inspection report? It's not in the purchase contract, and in many states, not even the seller will see it.
I can only think of one reason why the owner's would not allow a structural inspection - because they suspect that it will cause you to back out of the deal. Don't let them scare you into bypassing it.
If the Appraiser wants to see the Home Inspection Report, he/she will get it. I don't care what state the purchase is in.
Can you explain how.
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