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HUD HOME INSPECTION
There are specific forms associated with HUD homes and their inspections. A HUD home is a property acquired by HUD (U.S. Department of Housing and Urban Development) as a result of a foreclosure action on an FHA-insured mortgage. HUD becomes the property owner, offers it for sale and then sells it at market value as quickly as possible. HUD properties are sold as-is without warranty and no repairs should be performed on a property until after the new owner has taken possession.
It is critical when purchasing a home sold by HUD to get an IREAF Home Inspections & Pest Control, LLC home inspection as soon as possible for a number of reasons:
- The inspection may uncover a condition that makes the buyer choose to walk away from the deal and just forfeit the earnest money. A foreclosure is highly likely to have had maintenance ignored and the home to be neglected even abused.
- The home is vacant and the time to actual closing is often extended in a HUD transaction, any new damage occurring before closing has a realistic chance of being covered by HUD if well documented. Call on IREAF Home Inspectors for all your HUD home inspection needs.
The building of a home is critical at every step. Having an ITI® certified building inspector present at each step of this process is also critical. While most contractors are very good at what they do, it is imperative to have another set of eyes to verify the decisions that they have to make and the execution. The IREAF Inspector New Construction Phase Inspections Program or sometimes referred to as 4 Point Insurance Inspections consists of four (4) inspections for the home buyer. For all new construction phase inspections, it is important to get an idea from the builder a date that they anticipate the building will be ready for each phase of the inspection – as soon as the date is given, notify us immediately.
PHASE I – Foundation
The foundation inspection is one of the most important and one of the most difficult to schedule. Builders can easily get ahead of schedule or fall behind of the initial schedule due to weather amongst other problems. We recommend that the home-buyer constantly check with the builder about progress.
- Concrete Slab – This phase of the inspection is done after the exterior foundation walls are finished and the plumbing rough-ins are installed, however before the concrete slab is poured.
- Basement – In this phase of the inspection we come out after the forms (walls) are poured and before they backfill. It is extremely important that this inspection is done BEFORE they backfill.
- Crawl Space – A Crawl Space is simply a basement that you cannot stand up in. This phase of the inspection is done after the foundation is poured but before backfilling and framing begins.
PHASE II – PRE-Drywall
This phase of the inspection is done which involves inspecting the electrical, plumbing, heat, and framing. We usually perform this inspection one to three days before the contractor hangs the drywall. Note: All other inspections above must be performed before this phase.
PHASE III – FINAL Home Inspection
This phase of the inspection is done after the building process is finished. This is when the buyer has a walkthru inspection with the builder about a week or so before the closing of the home takes place. We need to come out 1 to 3 days before this walk-thru. At this time, we perform a complete 500-point comprehensive home inspection with pictures of any problems so the client still has time to address any issues with the builder before closing takes place. At this time we can also schedule additional services (i.e., foundation level survey, etc.).
This phase of the inspection is done which involves inspecting the electrical, plumbing, heat, and framing. We usually perform this inspection one to three days before the contractor hangs the drywall. Note: All other inspections above must be performed before this phase. Call on IREAF Home Inspectors when you need a Phase Completion Inspection.
PHASE IV: Final Walk Thru Home Inspection
Having IREAF Home Inspectors on your side during the final walk thru Inspection is a wise decision. A final walk-through is executed a few hours to five days before closing. It is not a home inspection nor is it a time to begin negotiating repairs. The primary purpose of the final walk thru inspection is to make sure that the property is in the agreed upon condition you agreed to buy it in. (agreed-upon repairs/improvements, if any, were made satisfactory) Many clients re-hire us to conduct the walk thru after our initial home inspection when there were changes, repairs or improvements negotiated in order to come to a purchase agreement.