Finding a home does not mean that your investigative duties are over. Although most states do not have required inspections, your lender may require at the very least a pest inspection that will need to be conducted before they agree to approve your mortgage loan. If there are termites or other insects, the home owners will have to take care of the problem before they sell the home.

But what about full home inspections? Are they worth it? In most cases, the answer is yes. Although you will have to pay for a home inspection, it may save you a lot of money in the long run.

A thorough home inspection will include checking the following:

  • Electrical systems
  • Heating and cooling systems
  • Foundation
  • Siding
  • Structural elements
  • Roof
  • Insulation
  • Doors and windows, and
  • Plumbing


If you are buying a new or used home, it is best to have a home inspection before signing the final paperwork. Once the inspection report comes back, you will the opportunity to ask the homeowners for a price reduction, go ahead and buy the home anyway, or ask the homeowners to make the necessary repairs.

Having a home inspection will give you peace of mind when you are buying a home. Since you will be taking out a mortgage, it is important to know what you will be buying, and the amount of money you will have to invest after purchasing the home.

A home inspection will also help you make your final decision whether to purchase the home or to keep looking for another.