States We Lend In
Our loan officers are ready and waiting to help you apply for your home loan.
Buying or selling a home? A home inspection can uncover issues that affect pricing, negotiations, repair planning, and even whether the deal makes sense to complete. This article can help both buyers and sellers recognize common inspection red flags, understand why they matter, and prepare for sensible next steps before closing. Home inspectors have a tough job.
They have to be trained to spot hundreds of potential issues with a home and be knowledgeable of local codes, community restrictions and residential permit parameters. Knowing which problems commonly show up can help you better interpret the report and respond appropriately.
This is a common bubble-busting issue, especially in older homes. Wiring might have been up to code when the home was built, but it now violates code and is a fire hazard.
Look for ungrounded outlets, shoddy wiring or a mass of confusing connections in the electrical panel. Replacing an entire electrical system can be expensive, but the risk of a fire is serious. Homes with faulty wiring are more susceptible to major damage and a potentially hazardous environment for all occupants.
As such, having a home fully inspected for its electrical wiring and components is a crucial part of the home inspection process. And if issues are identified, you may even want to call in a professional electrician to assess the situation before you finalize your transaction.
Look for signs of water damage in the ceilings. This could be a sign that something above, like a bathtub or sink is leaking into the floor or walls. Look around toilets and inside kitchen cabinets for traces of wet flooring or wood. While external leaks are easy enough to fix, interior pipes might require you to rip up flooring.
And if the issues are on the upper level, there could be leakage with the roof and fascia. In this case, it would be worth having a professional get up in the attic or even on top of the roof itself to pinpoint where the problems may be occurring.
Water damage can be extremely expensive to repair. If left alone, it could lead to the buildup of mold and mildew, which is not only unattractive and can compromise the integrity of your ceilings, walls, and floors, but it can also be a danger for you and your family to breathe in every day.
Examine the foundation and framing of your home for any structural issues. You’ll want to keep an eye out for cracking in the foundation due to water runoff or settling. Also, look for signs of wood rot or termite damage.
These issues affect the framing of your home and could cause scary structural problems if left unattended. Any issues with the foundation can be very expensive to fix, so you’ll certainly want to know if there are any problems present before you agree to buy a home.
While it’s probably too difficult for you to inspect the roof yourself, just stand back in the yard and see if you can notice any bare spots. Also, check for water damage around the roofline from rain leaking in. Don’t get too discouraged about roof issues. It might not call for a complete replacement, but just a repair on one section.
Once findings show up in the report, the next step is to decide which issues are minor, which may affect safety or cost, and which need more investigation. Buyers often compare the seriousness of the problem with their budget, timeline, and contract options. Sellers often decide whether it makes more sense to complete repairs, offer a credit, or provide more information so the buyer can move forward with clearer expectations.
In many cases, the practical options are to request repairs, ask for a credit, seek a specialist’s evaluation, or revisit your overall budget before closing. If a problem looks larger than expected, either side may need to slow down and get better estimates before agreeing on the next move. And if the issue changes the risk of the transaction significantly, buyers may need to consider whether proceeding still makes sense under the contract.
A general home inspection is often the first step, not the last word on every concern. If the inspector flags questionable wiring, active leaks, foundation movement, roof wear, or signs of pests or wood damage, it may be sensible to bring in a licensed specialist such as an electrician, plumber, roofer, structural engineer, or pest professional. That follow-up can help both buyers and sellers understand the scope of the issue more clearly before they negotiate repairs, credits, or timing.
These common home inspection issues can affect both sellers and buyers, but the report is most useful when you use it to make decisions. Compare the severity of each finding, estimate what repairs or further evaluations could mean for your budget and timeline, and then decide whether to proceed, negotiate, or get another opinion before closing.
Are you curious about buying a home and getting a mortgage? Sammamish Mortgage can help. We are a local mortgage company serving the broader Pacific Northwest region, including Washington state, Idaho, Colorado, Oregon, and California. We are proud to offer a wide variety of mortgage programs and products with flexible qualification criteria, including our fixed-rate mortgages, adjustable-rate mortgages (ARMs), and jumbo loans. Visit our website to get an instant rate quote or to use our online mortgage calculator. Please contact us if you have any questions or are ready to get pre-approved for a mortgage.
Major safety or structural concerns are often the biggest red flags. Common examples include faulty electrical wiring, significant plumbing leaks or water damage, foundation cracking or movement, framing damage, and serious roof problems.
Buyers should pay close attention to electrical issues, plumbing leaks, water damage, foundation cracks, framing problems, wood rot, termite damage, and roof wear. These findings can affect safety, repair costs, and whether the purchase still makes sense.
Common problem areas include electrical wiring, plumbing leaks, water damage, foundation or framing issues, and roofing concerns. Older homes may be more likely to show outdated wiring or systems that no longer meet current code expectations.
Buyers usually compare the seriousness of the issue with their budget, timeline, and contract options. Practical next steps often include requesting repairs, asking for a credit, getting a specialist evaluation, or reconsidering whether to move forward before closing.
A deal breaker is usually a problem that creates major risk, high repair costs, or safety concerns. Examples can include severe foundation issues, hazardous electrical problems, active leaks causing widespread damage, or major roof failures.
A specialist is worth calling when the inspector flags an issue that needs deeper evaluation. That may include an electrician for questionable wiring, a plumber for active leaks, a roofer for roof damage, a structural engineer for movement or cracking, or a pest professional for wood damage or termites.
No. A general home inspection is often the first step, not the final word on every concern. If important issues are flagged, follow-up inspections from licensed specialists may be needed to understand the scope and likely repair path.
Sellers can reduce surprises by looking for obvious trouble spots before the inspection. It can help to address visible leaks, signs of water damage, roofing concerns, electrical problems, or other known defects so buyers have clearer expectations.
Yes, in many cases sellers choose to handle known repairs before listing or before negotiations progress too far. Fixing issues early or gathering more information can make it easier to move forward with fewer surprises during the transaction.
Inspection findings often shape whether the parties request repairs, negotiate a credit, seek more estimates, or adjust the budget and timeline before closing. If the risk or cost is larger than expected, either side may slow the process to get clearer information before agreeing on next steps.
Our loan officers are ready and waiting to help you apply for your home loan.
Learn more about the people behind Sammamish Mortgage
Whether you’re buying a home or ready to refinance, our professionals can help.
Mortgage Support — 24/7
No Obligation and transparency 24/7. Instantly compare live rates and costs from our network of lenders across the country. Real-time accurate rates and closing costs for a variety of loan programs custom to your specific situation.
Adjust the parameters based on what you want to track