Purchasing a new home is an exciting as well as stressful event in one’s life. Whether it be new construction or a resale, you should always protect your investment by hiring a professional, code certified Home Inspector. How can you be certain you hire a home inspector with these credentials? Easy!

The Georgia Association of Home Inspectors (GAHI) is the only home inspection association in the country to require its full members to be fully certified by the International Code Council (ICC). You can be assured that GAHI inspectors achieve the highest level of training and have met education requirements to maintain their member status.

How can I find a GAHI inspector? 1: Are you a member of any professional organizations? The Georgia Association of Home Inspectors (GAHI) has the most rigorous membership requirements of any professional inspectors association in the United States. Numerous groups, associations and societies exist that require only payment of the membership fee and possibly an initiation fee while others require that the inspector attend the organization's training.

2: What CODE certifications do you have? The most qualified inspectors should have either the Council of American Building Officials (CABO) One and Two Family Dwelling Inspector Certification or the International Code Council® (ICC) Combination Residential Inspector Certification as a minimum. However, some inspectors obtain only the residential building certification (omitting the plumbing, electrical, and mechanical sections) and then pass themselves off as code certified. These are certifications issued by an independent third party organization and are recognized as requiring significant professional knowledge in residential construction codes to obtain a passing score. The word "certified" does not necessarily indicate CODE certified. A CODE certified home inspector's credentials can be verified at ICC's website: http://www.iccsafe.org/e/certsearch.html. This site allows you to search by the inspector's last name.

3: Where did you receive your certifications? The Southern Building Code Congress International (SBCCI) and International Code Council (ICC) are the two model code organizations that provide the requisite certifications for inspectors in Georgia.

4: How much continuing education do you participate in each year? The minimum should be 20 hours per year in classes designed to further enhance the home inspector's knowledge of new codes and building practices.

5: How long have you been performing home inspections? While it is useful to gauge the experience level of an inspector, this question is not as important as verifying the qualifications and certifications stated in point #3 above. A untrained home inspector who has done thousands of inspections that do not conform to a stringent Standard of Practice may not be equivalent to several hundred inspections that are performed properly by a well trained CODE certified inspector.

6: How long should my inspection take? The inspector may ask you for some information about the home you are purchasing before answering this question. Generally, inspections take at least 2 ½ to 3 hours for a small home while larger or significantly older homes can take much longer. Some factors which may affect the length of the inspection include the age of the home, size, general condition (i.e. distressed properties will require more time), and the presence of a basement or crawlspace..

7: Do I need to be present at the home inspection? Most inspectors will want you to participate in the inspection if you have time. Being present for the inspection will give you a better understanding of the condition of the home. At a minimum it is beneficial to be present for at least the last hour.

8: What type of report do you provide? Some inspectors may provide a handwritten on-site checklist / summary report with comments. Others might offer an on-site, computer-generated report or one that is provided after they return to their office. Beware of a very brief report (i.e. one to two pages) or one that consists of only checklists. Some reports may be extensive, but contain a considerable amount of generic information that may not be specific to your home.

9: Can I call you if I have additional questions after the inspection is completed? The answer should be YES!!! Most good inspectors rely on referrals from satisfied clients for future business. Answering follow-up questions is a great way for them to stay in touch with clients.

10: How much will my inspection cost? This is a question best posed at the end of your interview with the home inspector. The inspector may ask specific questions about the number of heating and cooling systems, or whether or not the home has crawlspace or basement. These factors may affect total cost. Generally, home inspections cost between $300 and $400 for a basic three bedroom, two bathrooms home. Larger, more complicated homes and homes more than twenty years old may be more expensive to inspect. Bargain priced inspections may result in rushed and incomplete inspections. Important elements such as crawlspaces, attics and electric panels might be missed. Generally, veteran inspectors will quote higher prices as they have more experienced and may often need more time to perform a thorough inspection. More knowledge does not necessarily result in quicker inspections.

http://www.gahi.com or call Scott Evans or Jeff Garland @ Family Mortgage at 678-483-3300 and we will be happy to refer you to an inspector you can be confidant with. Buy with confidence, hire a GAHI Home Inspector.

 

 

 

Negotiating with the Seller to repair defects Often the buyer opts to perform a property inspection and then will negotiate with the seller on how to handle any repair issues that arise out of this inspection report. Handling this in accordance with lender guidelines saves everyone time by not having to re-executing documents! We find there are three scenarios that typically arise:

1)The seller agrees to a certain dollar amount to be credited to you in lieu of repairs. This is allowable as long as it is treated as a contribution towards your closing costs and/or tax and insurance escrows. The total seller contribution towards these items cannot exceed a certain percentage of the purchase price (between 3 - 6%) so it is best to ask your mortgage lender prior to finalizing your amendment. For 2 & 3 and more click this.

Buying jewelry can be fun, exciting and confusing. Whether you're considering a gift of jewelry for someone special or as a treat for yourself, take some time to learn the terms used in the industry. Here's some information to help you get the best quality jewelry for your money, whether you're shopping in a traditional brick and mortar store by catalog or online.

Most jewelry is marked with its karat quality, although marking is not required by law.

Tips and advice in how to inspect your jewelry


“I’m usually pretty cynical about things like this, but you proved that there are trustworthy people, even in the mortgage industry. ” Richard Cave

“For something that can be a trying experience, Family Mortgage made it an absolutely pleasant experience! Thanks, we’ll tell many!”  Mark Strei

 

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