General Home Inspections
Your home is one of your largest investments. Like any investment, you want to have some assurance of the value of the purchase. There may be problems and issues that can degrade that value and lower your investment return. A thorough home inspection includes property grading and driveways, foundations, exterior walls (synthetic and/or traditional stucco wall cladding), roofing, patio, porches and decks, electric panel and branch service, plumbing system and water heaters, heating and cooling systems (HVAC), interior walls, floors and ceilings, mill-work and tile, windows and doors, attic, structures, insulation and ventilation, garage, kitchen and bathrooms, including cabinets, counters, and appliances. We also can inspect detached buildings, pools and spa's, boat docks and lifts if desired. Single family, duplex or greater, town homes and high rise condo, and commercial building inspections are also possible.
We inspect new homes and offer 11 month Warranty inspections, from vintage homes to established homes to the fixer uppers. Inspections are not just for knowing the home's condition prior to closing, but to know what to do after you own it.
Our Licence Number: H19738
4- Point Insurance Inspection
Most homes over 25 years old require a 4-point inspection by Insurance companies. This inspection include: HVAC (heating, ventilation and air conditioning), Electric wiring / panels, Plumbing and fixtures, and Roof This is also completed on a Florida Certified Insurance form. Separate Insurance certifications on Roof and/or Plumbing individually are also available
Wind Mitigation Inspection
Southwest Florida is subject to high wind and storm related damage. Significant insurance discounts may be available for building features that reduce damage during high wind events. Specific certified insurance forms are required.
203k Consulting
The 203K loan is a type of loan insured by the FHA (Federal Housing Administration). It can be used for an entire rehab of a property or just a few select repairs. There are 2 types of 203K loans, one is a Limited 203K and is for rehab costs that are less than $35,000. The other is a Full 203K which allows for renovations up to $200,000. Whether you're buying a fixer-upper or just want to modernize the kitchen of your new home before you move in, an FHA 203(k) loan could be the solution to your financing issues.
In general, an FHA 203(k) loan allows you to wrap your renovation costs into your initial mortgage and the loan amount available is calculated at 110% of the after-rehab value. Anticipated renovations after a conventional financing is acquired is usually prohibited or a very costly and limited option.
A 203k Consultant is required on all full 203k loans and is recommended for a limited 203k. We remain with the project from inception to completion of renovations. We coordinate the renovation plans and sign-off for each draw as representative for the financer. The initial FHA minimum property standards inspection is different than a normal home inspection, along with many different FHA requirements to navigate the project. A 203k Consultant must be a licensed Home Inspector that has gone through the training and certification process of HUD (Department of Housing and Urban Development) and FHA.
Our License Number: A1115
Also certified in MOBILE / MANUFACTURED HOMES. Most home inspectors are not certified or trained to inspect this type of home, which have very unique specifications, inspections, and requirements.
POST DISASTER INSPECTIONS, including Water Intrusion Inspections, are also available.
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ContactScott
239-850-1699 ssteffens86@gmail.com |
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