Buying a new (or new to you) house requires plenty of steps, paperwork and red tape. You start with mortgage preapproval, then hire an agent or broker, shop around, find the right home, make an offer, schedule your inspection, negotiate a price then close by signing heaps of legal and financial documents required to seal the deal. This can feel overwhelming to both first time buyers and experienced property owners alike. At Boggs Inspection Services, they understand the tremendous emotional and economic stresses of home buying and now offer Pay at Close inspections that can help streamline the process financially by rolling inspection fees into final closing costs.
Streamline Home Purchases with a Pay at Close Inspection from Boggs Inspection Services
CEO Dwayne Boggs explains that a standard home inspection is not usually required for most loans, but some government-backed loans, like FHA or VA, may require specific property condition assessments. “That said, even if it’s not required, a home inspection is a critical step in protecting your investment,” says Boggs.
Previous inspections done by the seller or bank may provide insight into ongoing issues “but they’re not a substitute for a current one,” says Boggs. “A home’s condition can change over time due to weather, wear and tear, or hidden issues that may have developed since the last inspection.”
Sellers can choose to share prior inspection reports along with documentation of competed repairs. But Boggs recommends buyers hire their own inspector to guarantee an unbiased report from a trusted professional.
Juggling the Many Steps of Homeownership, and Who Pays for Them
When you’re buying a home, it feels like costs add up every time you turn around. Thanks to the Pay at Close inspection, typically requested by the buyer, there’s no up-front bill. Boggs says that buyers simply complete an application requesting to defer the fee until closing. If it’s deemed eligible, the amount is then rolled into closing costs and paid for at the very end instead of clients paying up front as usual.
But what happens if the seller claims something has been fixed but can’t provide documentation? Or if new issues are found during the inspection process? When that happens, it’s up to the buyers and sellers to negotiate how, or even if, the repairs are handled, explains Boggs.
At Boggs, typical home inspection pricing is based on the property’s square footage and whether or not additional structures – like a detached garage or ADU – will be included in the report.
Don’t Skip Home Inspections Just to Expedite the Purchase Timeline
Overeager buyers and sellers sometimes skip the home inspection step altogether but that’s never a good idea, says Boggs. It takes a trained, experienced, qualified inspector to check every aspect of a home whether it’s new, old, manufactured, multifamily, urban, rural or somewhere in between.
“Even brand-new homes can have issues,” explains Boggs. “Mistakes happen in construction, and quick flips often focus on aesthetics rather than quality. There is no perfect home. An inspection is the best tool a new homeowner can have to ensure they understand the true condition of their home and how to maintain it going forward.”
When you’re ready to proceed, give Boggs Inspection Services a call at 360.480.9602 or book a free quote online. Their team will help you move forward on what could be the biggest—and definitely the most fun—purchase of your life.
They also perform inspections on commercial, multifamily and luxury homes as well as specialty packages for annual maintenance, log homes, pre-listing or post-purchase. Consider an add-on service like lead and asbestos testing, mold and indoor air quality, sewer scope and septic, pests and termites and manufactured home structural certification.
If anything is found, they’ll talk you through the results and offer a sample report to familiarize yourself with the process. Also check out their pre-listing and home maintenance checklists so you don’t miss a thing. Want to make the necessary repairs yourself? Boggs Inspection Services has a list of Top Rated Vendors in our area happy to help.
These days we all love a one-stop-shop. Being able to find groceries, windshield wiper fluid, laundry soap, new socks and a rotisserie chicken dinner all under one roof is a busy person’s dream come true. When buying a house, you’ll spend ages driving between home (both current and potential), work, bank, realtor, mortgage office and inspectors. Thanks to Boggs Pay at Close, at least one visit can be stress free.
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