Waiting for FHA Inspection on Monday

[carascrappychic]

I just learned that our loan is approved by the underwriter and the FHA Loan inspector will be in on Monday to appraise and inspect our future home. Please everybody cross your fingers that she dosen't write down alot of stuff to fix. We already know of about $1000.00 worth of repairs now that we have to do before closing! This is our first home we have been living in a hotel for 5 years with 2 kids! I'm so excited and scarred! [cheer2]

[Willis]

scrappy, I edited your post-the event calendar is a tough one- That inspector would have been busy inspecting every day for two months. To be honest, I'm not sure precisely how to use the durned thing. Trial and error??? I hope I selected the right date- Good Luck

[Tony]

I think you have it backwards. The seller is supposed to fix those things. Unless I guess you built it yourselves. Even then, I'd expect the contractor to fix them.

[KemCam2]

My husband is a certified home inspector. If you have any questions feel free to call us.

Depending on your contract - Assuming it wasn't an "as-is" contract -
You don't have to buy the house if you don't like the conditions. If the seller won't fix what you want fixed then you can back out...The ball is in your court.

We bought our house as-is but were very lucky, the previous homeowners had it for 25 of it's 30 years and kept the house in VERY good shape.
Don't let them walk all over you. If you feel like you're getting the short end of the stick, you probably are. But I'll be *hoping* for you!

-KC2
www.spartaninspections.com

[Chutney Daftcraft]

Oh, see an FHA loan is MUCH different.

They look more for safety than anything else. Example, if you have a staircase without a rail, they require there to be a rail before they disperse funds. Inside or out. Also, all the outlets and switches need to have covers, etc... I had to go conventional on my house because it was nothing but a safety issue. In every room.

The thing is - I think the seller would fix these things as opposed to losing a sale. I mean, it's not too expensive to correct safety issues like these...

[carascrappychic]

Well the seller is unwilling to fix anything so if we want the house we have to fix everything that the inspecter finds wrong. We know that she will require the new addition to be completed. It still needs drywall up on the ceiling. And we have to put flooring down. I'll see on Tuesday what she found.

[Tony]

So how did it go?

[carascrappychic]

Ok well it didn't go that bad![cheer2]She is making us of course like I said finish the rec. room addition. Fix the woodpecker holes, fix where the owners dog tore up the door jam, and fix the exposed heating duct. So all and all it wasn't that bad! We started working on the house today. We have all the drywall up on the ceiling and tomarrow we will tape it! It's alot of work but it will all be worth it![cool26]

[KemCam2]

Awesome! Good for you guys! :)

[derricksonb]

Movin' on up like George and Weezie.

All said that really doesn't sound like a very large list of items to fix/complete and doing the work yourself will not only save a lot of money and give you a better understanding of how your home was built, but will also provide an overabundance of pride in your new home and surroundings. Congrats.

[Chutney Daftcraft]

I've practically rebuilt my house in KFA. It needed it.

And I still don't understand how it was built. I'm beginning to think that someone built it themselves while drinking.

[derricksonb]

Sometimes drinking helps, especially when one is building on the side of a mountain. Double vision ensures that the walls are square and plumb.

[Chutney Daftcraft]

No, it's just that the way some of this stuff was built that indicates that it was not built by a professional builder. I mean, it's a sound structure, and is built well - it's just not built like a professional built it.

And as far as some of the stuff - they must have been drunk. Like the railroad-tie thick wood in the doorframing. Just strange.

It is exciting to be rebuilding this house, though. We're pretty talented, so it's turning out to be amazing.

Our last house was amazing when we were done with it - it just had a strange floor plan. It was funny when we were selling it because when you walked in - it was breathtaking. Until you realized the floor plan was odd. Not a good family house at all.

This house we are in now has the standard colonial floorplan, center foyer, dining on left, living on right, kitchen and family in back, and 4 bedrooms upstairs... It'll be nothing short of spectacular, and I hope to walk away with enough money from it to buy my next home in cash.

I'm so tired of paying a mortgage.

[derricksonb]

"And as far as some of the stuff - they must have been drunk. Like the railroad-tie thick wood in the doorframing. Just strange."

Not strange..... Many older houses were built with a set of 2x12s between the header and the top of the door frame, it's just how they did it back in the day. Not very practical now that we have lighter stronger materials and very unpractical considering the amount of electrical and data wires are currently running through our walls.


"I'm so tired of paying a mortgage."

Perhaps, but any good financial planner or accountant will tell you that you should ALWAYS have a mortgage.

[KemCam2]

I love the look of the "railroad tie" door frames!
A friend of mine growing up had door frames in her house like this...Actually now that I think of it, many of my friends houses were like that...It adds a nice old fashioned feel to the house!

[carascrappychic]

Well here's another update. The ceiling is finished being spackeled and sanded and now we have started to put popcorn on the ceiling (I don't recommend doing because it just sucks!) but we already started! The walls have the first coat, the sunroom door has been replaced and NO MORE WOODPECKER HOLES![cheeky] We had some issues with the owner...he cut off the electric because he was mad that we were in the house! But I put it in my name and we are back on track! We have 7 more days until the final FHA inspection and 9 more days till closing![conf17]We still have to put the floor down and put the outlets in!

[KemCam2]

popcorn?

[Chutney Daftcraft]

quote:Originally posted by derricksonb

"And as far as some of the stuff - they must have been drunk. Like the railroad-tie thick wood in the doorframing. Just strange."

Not strange..... Many older houses were built with a set of 2x12s between the header and the top of the door frame, it's just how they did it back in the day. Not very practical now that we have lighter stronger materials and very unpractical considering the amount of electrical and data wires are currently running through our walls.


"I'm so tired of paying a mortgage."

Perhaps, but any good financial planner or accountant will tell you that you should ALWAYS have a mortgage.


The house isn't that old, tho. It's just odd - some of the things we find. But we're fixing them now.. fun fun fun.

I know, and I probably will have a mortgage. I'd just like to see that 1000 dollars back into my budget...

[carascrappychic]

The Final inspection went through on Monday and we are now home owners today!

[shadowplay]

Congrats and welcome to our little enclave.

[carascrappychic]

Now we have a new nightmare! Water damage every where. Since the old owner let his dog stay in the house without him for weeks we had to tear out all the carpet and to are surprise[banghead]The floor and even some walls are covered in black mold! So to anyone living around me I am sorry for all the construction noise. We now have a house we can't live in! We hope to move in around this weekend and jsut live in a section of the house!Thanks for listening to me vent!

[Coglehowell]

First of all Congratulations on your new house theres nothing like having your own. second I know nothing about houses but wouldnt the original owner have to tell you that there was water damage cant they be liable in any way or is it all on you to fix it?

[Felix]

Isn't your home inspector supposed to check for stuff like that too? Mold on the walls seems a little obvious for water damage.

[Tony]

Ya they sure got me for that one when I sold my condo. A little mold on the wall behind the a/c. I had to wash it with bleach and paint it over with Killz; not a real easy task since it was tough to get to.

[bb1711]

How did the water and mold problem get by the FHA inspection?

[AAT53]

It sounds like they didn't see the mold problem until after they pulled up the carpets. Then they probably pulled down some of the wall just to check, etc.

It sucks. Do you know what caused the water to get in there?

[Chutney Daftcraft]

This is good and bad news. Bad news because the mold is there. Good news because it isn't that difficult to get rid of. In fact, you may be able to salvage toyr floorboard. You'll need to trat it, and kill it. I'd lay a thin subfloor above it when you're done. You can just cut off the lower 8 inches off of your wall and replace the sheetrock and floorboards. It's alot of work, but if you can do it yourself - it isn't that expensive.

Here's a beautiful shortcut. When you cut off the liwer 8 inches and replace it - you can get some inexpensive moulding (kinda like thin chair rail) and put it over the seam 8 inches up from the floor. That way you only have a small seam to fill every 8 feet, and the sheetrock screw holes. Iy simplifies it, and winds up looking pretty damn good when you're done. If you put crown moulding in (which is less expensive than you'd think) and a few other moudings in, you'll have what real estate marketers call "executive moulding". You'll get thousands more for the home right there.

[carascrappychic]

Ok[^]Finally I'm back online and back with everybody. WE are moved in now and we can live in most of our house now. The living room and the sunroom still is being worked on! My husband could knock the previous owner out for all the stupid things he did to this house, but hopefully we are coming to an end to the damages and we can go up from here.

[HoneyTree]

quote:Originally posted by carascrappychic
We had some issues with the owner...he cut off the electric because he was mad that we were in the house!*He* was mad that you were in the house, doing the repairs needed so *he* could [u]sell</u> his house to you? Is this guy nuts, or what?