What is a home inspection?
Answered by Onias Derilus, Mortgage Capital · NMLS# 1859012 · Florida licensed mortgage broker
A home inspection is an independent, top-to-bottom review of the property's condition — roof, systems, structure, and more — done after you're under contract. It's for your protection and is separate from the lender's appraisal.
It can reveal issues to negotiate or walk away from. Though optional, we strongly recommend one on every purchase. The inspector works for you, not the lender.
What an inspection covers
A home inspection is a detailed check of the property's condition. A licensed inspector examines the roof, plumbing, electrical, HVAC, foundation, and more, then gives you a written report.
It is different from an appraisal. An appraisal sets value for the lender. An inspection tells you what shape the home is in.
Why it protects you
The report lets you buy with open eyes. If it finds major issues, you can ask the seller to repair them, credit you money, or walk away under your inspection contingency.
Inspections are optional but wise, especially on older Florida homes with roof or moisture concerns. Apply now and we will make sure your timeline leaves room for one.