Candice Light Mortgage Broker in Calgary: Your Home Inspection

Purchasing a home can be a complicated/confusing process and nowhere is the old adage more appropriate: "Don't expect what you don't inspect." Proper inspection is important in many areas of home buying. The market should be inspected to find the going rates of properties in different locations. Mortgage sources should be inspected to uncover availability and options, requirements and interest rates. A reliable local mortgage broker in Calgary can be a big help in these areas and in most cases the services they offer clients come at no cost to the clients themselves.

Final Inspection

Once a home has been selected, one final inspection is critical in determining the suitability of the property and to uncover any internal or external problems that would affect either the value of the proposed purchase or the true assessment of its overall condition. This inspection requires the services of a Home Inspector who is qualified, credentialed, licensed and reliably accurate in his/her past assessment history. There are several ways to find such an individual, any of which can be utilized to contract a local Home Inspector. It's extremely important not to forgo this step in the home buying process, since once a commitment has been made to buy a home and the dotted line has been signed there are no buy-back guarantees or return policies applicable.

Finding an Inspector

Asking friends or family members, obtaining the advice of one of the Certified Building Inspector Associations or querying one's real estate agent or Calgary mortgage broker are all viable means to locating a qualified Home Inspector. Inspectors are required to have obtained minimum levels of education, be licensed in the province after having successfully completed the required examinations and, if representing a home inspection business, have a surety bond or other form of financial security and insurance against errors and omissions.

All documentation such as licenses, credentials and insurance documentation should be available on request. If there's a problem with this, find a new candidate. It's also a good idea to get a list of at least three references for ho the inspector has completed past work and give them each a call to see if they would recommend his/her services.

What's It All About?

A thorough home inspection should take into account all systems both within and outside a home to assess their condition and to determine if there are any potential problems and, if so, what type of remedial action is required. The potential homebuyer should go with the inspector during the inspection, which will typically take two or more hours, as this will provide an ideal opportunity to learn more about the intricacies of the house. Every individual part of the home should be inspected, from top to bottom and a written report provided.

At Mortgages by Candice, your mortgage broker in Calgary, we can suggest top quality inspectors with whom we've worked in the past. We can also offer a number of mortgage options, and ensure a seamless pre-approval.

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