Home Inspection Guide for Buyers: What to Expect and What to Watch For

The appraisal your lender orders protects their financial interest. The home inspection you order protects yours. These are entirely different evaluations — and skipping the inspection is one of the costliest mistakes a buyer can make.

What a Home Inspection Covers

A licensed home inspector evaluates accessible and visible components of the property: foundation and structure, roof and attic, exterior siding, windows, and grading, HVAC systems, plumbing and water heater, electrical panel and wiring, interior rooms and flooring, and kitchen and bathroom fixtures.

The inspector provides a written report documenting conditions, deficiencies, and recommendations — typically including photographs.

Common Issues Found in Inspections

Most inspections find at least minor issues. Common findings range from deferred maintenance — aging roof, older HVAC — to more significant concerns: water intrusion, foundation cracking, outdated electrical panels such as Federal Pacific or Zinsco brands, knob-and-tube wiring, HVAC at end of life, and evidence of pest activity. Not all issues are deal-breakers — but all deserve informed evaluation.

Using Inspection Findings in Negotiation

After an inspection, you have several options: request the seller make repairs, negotiate a price reduction or seller credit at closing in lieu of repairs, accept the property as-is and factor repair costs into your decision, or walk away if the contingency allows and the issues are too significant.

Specialized Inspections

A standard home inspection is general. Specific conditions may warrant additional specialists: radon testing, sewer scope, oil tank inspection, structural engineer for foundation concerns, or mold testing. In many older East Coast markets, oil tank scans are particularly important.

At East Coast Mortgage, we advise buyers on how inspection findings may affect their financing and help navigate the process. Book a call to discuss your purchase.