John Frasik, WIN Home Inspector and Owner

Inspector and Owner

Radon Technician

Josh did a great job! Very informative report and professional inspection. Met all COVID safety measures during inspection. Structured and explained all issues in detail. Great personal suggestions and honest opinion on several issues. I will definitely recommend this professional to my friends and family.

They are honest and experienced. Saved me a lot of time and money on a home that isn't right for me. Appreciate the time and effort and I will use them again on my continued search for my perfect home.

My husband (Will J Rathod) and I bought 4 houses throw-out our life and had inspections done with other companies. But John and Sandy (Company name WIN home inspection) are the best, they went above and boned with their home inspection and with us every step of the way.  They did 3-unit home inspection and They are the best people in home inspection. - Thank you, John and Sandy,

John and Sandy did an excellent job with our home inspection for our new home. They showed up an hour before our meeting time to start their inspection routine. They got our report back to us within 24 hours of completing the walk through. They pointed out every major issue as well as the cosmetic blemishes present. I would recommend them to anyone looking for a home inspection or a radon inspection.

We are very impressed with the services received by WIN Home Inspection. John and Sandy were knowledgeable, thorough, and courteous.
The reports provided by WIN Home Inspection were user-friendly, informative, and contained high quality photographs of each area of inspection.
We received the reports the morning following the inspection!
We strongly recommend WIN Home Inspection and look forward to working with them again.
HJ Sewell

They’re very professional, friendly and kindness, in the same time they’re like sharks looking for everything, every single detail possible. My wife and I recommend them 100% !

Thank you so much !
Danny & Kalie

What a great team! The thoroughness, professionalism and genuine care, made my experience, anxiety free.

Win Home Inspection was very detailed. They verbally gave me there overall opinion on the homes condition.   I  then  received a detailed written report. I was very satisfied with their service.

John & Sandy from WIN home inspection performed inspection on our new house. As a multiple time home buyer, John explained to us in detailed the entire procedure of inspection and made us comfortable to ask questions and point to anything that we noticed in comparison to previous inspections (though anything we noticed was already marked by John & Sandy in there report). They both did an extremely comprehensive and thorough inspection and pointed out all the small issues with the house including thermal imagery to detect any issues not visible along with digital pictures for reference around concerns. Also exterior Drone pictures of Roof which were extremely helpful. Impressed with attention in detail and satisfied that we went with WIN home inspection. Highly recommend them in our circle of friends. Appreciate John & Sandy.

Gain valuable insights on 300+ items to make a sound decision on your investment.

Inspect your home proactively before listing it to identify issues and sell faster.

A visual inspection of your condo including major systems not covered by the HOA.

A visual inspection of your townhome including major systems not covered by the HOA. 

A visual inspection to assess the condition of the components of your duplex/multiplex.

A visual inspection to assess the condition of the components of your manufactured home.

Protect your property investment by identifying areas of concerns before you buy.

Detect this carcinogenic gas that is the leading cause of lung cancer among nonsmokers.

Detect and mitigate clogged or damaged sewer lines before backups in the home occur. 

Address issues and request repairs with your builder before the warranty expires.

Confirm all the requested repairs have been made from the initial inspection report.

Secure peace of mind with WIN Home Inspection. Schedule an inspection today and get detailed insights into the condition of your property.

Book an Inspection | WIN Home Inspection

Buying a brand-new home can feel like a dream. Everything is shiny, untouched, and freshly built. What could possibly go wrong? 

As surprising as it may sound, new homes often come with their fair share of issues. In fact, over 50% of new construction home buyers find issues with their new home after moving in. While issues can be minor cosmetic defects (like missing fixtures or dented appliances), they can also be more serious construction faults (like electrical miswiring or unconnected lines). Many homeowners also find [plumbing issues](https://wini.com/articles/common-plumbing-issues-in-homes/) because gravel, dirt, and debris have made their way into the sewer pipes. That’s why you need to know when to schedule a home inspection.

## Do You Really Need an Inspection for a Brand-New Home? 

You absolutely need an inspection for brand-new homes. Your builder may have followed code and completed internal inspections, but that doesn’t always mean they caught every problem. Construction crews often change and work under tight deadlines, so they could accidentally overlook things. 

A third-party home inspection brings in a fresh set of unbiased eyes, helping you spot potential problems before they become costly repairs. While builders may insist you don’t need an outside inspector, this can be a major red flag. Even brand-new cars are inspected by someone other than the manufacturer to ensure quality and safety. 

Curious about what’s typically included in the inspection process? Check out our article on [New Construction Home Inspections](https://wini.com/articles/new-construction-inspection/). 

## 3 Key Times To Schedule a Home Inspection for New Construction 

There are three critical opportunities for inspection during the building process. Let’s walk through each one. 

### Pre-Drywall Inspection (Before Insulation and Sheetrock) 

![An electrical box in a house](https://d2nnm6ppct4rc3.cloudfront.net/Pre_Drywall_Inspection_119069d348.jpeg)

The [pre-drywall inspection](https://wini.com/services/pre-drywall-inspection/) takes place after the framing, electrical, plumbing, and HVAC systems are installed, but before walls are sealed up.

The process involves: 

- Checking for framing accuracy – Ensures walls, beams, and supports are aligned and structurally sound.
- Verifying proper system installation – Helps catch misrouted wires, leaky pipes, or poor ductwork before they get covered.
- Highlighting future problem areas – Prevents costly fixes later by addressing issues while access is still easy.

### Final Inspection (Before Final Walkthrough or Closing) 

![Understanding Winter Home Inspections](https://d2nnm6ppct4rc3.cloudfront.net/Understanding_Winter_Home_Inspections_93c458fa90.png)

The [final inspection](https://wini.com/services/home-inspection/) makes sure everything works as expected before you take ownership of the home. You should schedule it shortly after your builder finishes construction.

The final inspection includes:

- Confirming livability and safety – Inspects HVAC, electrical, roofing, plumbing, and appliances to ensure they're working correctly.
- Identifying cosmetic and functional issues – Catches things like cracked tiles, sticky doors, and poor caulking that may need touch-ups.
- Providing a punch list for the builder – Gives you time to request fixes before closing day.

### One-Year Warranty Inspection (Before Builder Warranty Expires) 

The [one-year warranty inspection](https://wini.com/services/one-year-warranty-inspection/) is typically done around the 11-month mark to catch any issues that develop before your builder’s warranty expires. 

A good one-year warranty inspection should:

- Detect settling and wear issues – Looks for cracks, drainage problems, and shifting that happens over time.
- Ensure long-term systems function properly – Rechecks insulation, HVAC, plumbing, and ventilation after months of use.
- Maximize your warranty coverage – Helps you get needed repairs while they’re still covered by the builder.

**Pro Tip:** This is your last chance to request repairs under warranty, so don’t skip it! 

## What a Home Inspector Looks for During These Stages 

At WIN Home Inspection, we use specialized tools like infrared (IR) cameras, moisture meters, and drones to uncover problems that might not be visible to the naked eye. 

### Our 300+ Point Check covers: 

- Structural elements (foundation, framing)
- Roofing and gutters
- Electrical, HVAC, and plumbing systems
- Attic and insulation
- Grading and drainage
- Appliances and fixtures

## Why the Timing Matters (and Who It Helps) 

The right timing of these inspections protects you, your home, and everyone involved in the transaction. Here's how: 

- Homebuyers: Catch issues early to avoid surprises and costly, time-consuming repairs.
- Real estate agents: It helps ensure a smooth transaction and satisfied clients when it’s all said and done.
- Builders: They get the chance to fix things while they’re still under their scope, saving reputational risk and reducing future complaints.

## What Happens If the Inspector Finds Something? 

Don’t panic. It’s common to find issues with new construction. Luckily, those issues are usually fixable. Your inspection report will outline the concerns with a detailed explanation and include images. 

With WIN Home Inspection, you can also use the Property Care List (PCL) to organize items into “Repair,” “Replace,” and “Credit,” making communication with your builder much easier. 

## Final Thoughts: Building Confidence in Your New Home 

A home inspection for new construction isn’t about finding flaws; it’s about building confidence. When you get inspections at the right stages, you protect your investment and make sure your dream home doesn’t turn into a nightmare. 

Whether you’re just starting the construction process or getting ready to close, schedule your inspections strategically. Remember that a [WIN Home Inspector near you](https://wini.com/) can guide you through every phase to provide Actionable Insights for Every Home®. 

## Frequently Asked Questions (FAQs) 

**1. Can new construction homes really have defects or impurities?**

Absolutely. Construction can leave some unresolved issues like drywall dust, paint overspray, construction debris in ventilation systems, and water intrusion. A professional inspection identifies these defects so you can correct them before they turn into long-term, more expensive problems. 

**2. What are some common myths about inspecting new build homes?** 

One common myth is that inspections are unnecessary because the home has passed local building codes. Code inspections primarily focus on basic compliance and safety standards instead of quality workmanship. Code inspections will ensure the staircase is built to the right height and specifications, but they will not check if appliances are in acceptable condition or if there is damage around the property.

Another myth is that builders will fix everything that’s under warranty. In reality, some issues might not become apparent until after your warranty expires. Getting early inspections makes it easier to identify and address those potential issues before warranties expire. 

**3. What if my builder won’t let me get a third-party inspection?** 

Reputable builders typically encourage third-party inspections. If your builder resists, clarify your contractual rights first. Most contracts allow buyers to have third-party inspections at key stages of the process. If your builder refuses, this is a red flag, and you should express your concerns clearly. Builders who are proud of their craftsmanship and quality should have no issue allowing an inspector to check the home. You may consider asking your real estate agent or legal counsel for advice. Remember that transparency benefits everyone. Inspections protect the buyer’s interests and the builder’s reputation. 

**4. Is a new construction inspection expensive?** 

New construction inspections typically cost the same as a home inspection for existing homes, and it’s certainly not expensive compared to potential future repair costs. Home inspections are a cost-effective way to identify and resolve issues early, so they could potentially save you thousands in unexpected repairs.  

**5. Should I trust the inspection conducted by the builder’s inspector?** 

Builder-conducted inspections focus primarily on compliance and basic safety. A third-party inspection is unbiased and comprehensive, often identifying overlooked issues. Hiring a professional inspector means you get a thorough assessment without any bias. 


When To Schedule a Home Inspection for New Construction

Barbeque is a great way to gather around friends and family during summer time! This can be a lot of fun, but it's important to take care when grilling to avoid accidents. These safety tips are designed to help keep your barbecues safe and enjoyable all summer long. So, fire up the grill and get cooking!

## Clean Your Grill

As you cook, heavy grease builds up on your grill. This grease is highly flammable, and too much of it can quickly start a fire. Clean your grill regularly to prevent grease buildup with these easy steps. 

- Remove all parts and accessories from the grill. 
- Spray them with a food-safe kitchen degreaser and scrub clean with a rag or sponge. 
- Scrape the grill with a wire brush or putty knife to rid the grill of caked-on food or grease.
- Reassemble the grill and turn it on to high heat to burn off any residue.

## Test Your Grill for Leaks 

It is recommended to test propane grills for leaks at least once a year. To do this, brush dish soap and water on the tank and gas line connections, then press the accelerator. If you see bubbles, you have a gas leak! Turn off the gas and tighten the connections to your propane tank. Allow 5 to 10 minutes for the gas to dissipate before testing the grill again.

## Avoid Wearing Loose Clothing 

While clothing catching fire may sound like a freak accident, it’s more common than you might think. You may not even realize your clothes are on fire until it's too late! To reduce the risk of catching fire, wear form-fitting clothing and securely fasten your hair. If you need to remove any loose clothing, keep it away from the grill. Discarded clothing left unattended for an extended period of time can catch fire. 

## Purchase Grilling Gloves and Appropriate Cooking Utensils

Grills generate a lot of heat, so having the right utensils and equipment is essential. Avoid handling food directly on the grill as much as possible. Invest in a pair of grilling gloves, tongs or other grilling utensils if you'll be handling hot pans or food. 

## Stock Up on Baking Soda and a Fire Extinguisher 

Grills can get as hot as, or hotter, than an oven. Be proactive and prepared to extinguish a fire should one occur. We recommend keeping baking soda close to your grill station in the event of a fire. If the fire is too large to put out with baking soda, use a fire extinguisher. Never use water to extinguish a fire. It could spread the fire or splash hot grease, oil, or coal, which is dangerous.

- **Take the Appropriate Safety Precautions:** Gas and propane grills can typically reach temperatures up to 550° F, while charcoal grills can reach temperatures up to 700° F. 
- **Three-foot rule:** Make sure your grill is at least three feet away from anything that could be flammable such as your deck, outdoor furniture, and trees. The heat from your grill can also melt and warp vinyl siding, so don’t keep your grill too close to your home.
- **Keep the grill outside:** Grilling in closed or poorly ventilated areas is not only a fire risk, but also a health risk as fires produce carbon monoxide, a deadly gas. To keep you and your family safe, know the signs of carbon monoxide poisoning prior to lighting up your grill and always grill in a well-ventilated area. 
- **Keep it level:** Do not use your grill on an incline or on uneven ground as it could topple over and cause a fire. 
- **Watch the grill carefully:** A lit grill should never be left unattended as food could burn, grease could build up and a fire could start. 
- **Keep children and pets away from the grill:** Never leave a grill unattended, especially if children or pets are around. Do not move a lit grill: Moving a lit grill can not only risk burning yourself or others, but also increase the risk of fire and dislodge important grill parts. 

## Do Not Overcrowd the Grill

Overcrowding the grill can cause your food to cook unevenly and become greasy.  Allow at least an inch of space in between to keep the grease and smoke to a minimum. 

## Turn Off the Grill After Use 

It's easy to become distracted while cooking, especially if you're entertaining friends or family.  Be sure to turn off the grill and thoroughly inspect your grilling station immediately after you’re finished cooking to reduce safety hazards.  

Know How to Put Out a Grill Fire: Whether brought on by a broken gas line, an accidental spark, or just too much heat, a grill fire may spread quickly and become dangerous. However, always stay calm and follow these steps:  

### Eliminate the fire hazard

Turn off the grill's gas supply immediately. If your grill runs on propane, switch off the valve on the propane tank. If you have a charcoal grill, wear heat-resistant gloves and use steel grilling equipment to remove the fire hazard. While you should never pour water directly onto a hot grill, you can use water to hasten the cooling process. Remove the coal and ashes safely and place them in a metal bucket with water. 

### Use a cover that can withstand fire

Cover the grill with a fire-resistant cover after the gas has been turned off or the affected coals have been removed. The flames will be smothered, and oxygen won't be able to reach them. In a pinch, a large pot lid or baking sheet will do.  

### Let the grill cool down

Before opening the lid, let the grill cool completely. Then you can look for damage and make any required repairs. With these easy steps, you can put out a barbecue fire quickly and safely. Remember, never put out a fire with water. 

As you enjoy your summer, always keep safety top of mind. WIN Home Inspection offers a variety of inspection services to keep you and your family safe this summer. From Deck Inspections to Pool and Spa Inspections, contact your [local WIN home inspector](https://wini.com/) so you have peace of mind and enjoy all that your backyard has to offer. 












Tips For Safe Grilling This Summer 

As you enjoy your summer, always keep safety top of mind. WIN Home Inspection offers a variety of inspection services to keep you and your family safe this summer. From deck inspections to pool and spa inspections, contact your local WIN home inspector so you have peace of mind and enjoy all that your backyard has to offer.

Renting vs Buying a House: Which Option Saves You Money in 2025? 

Buying a home is a huge life milestone. 

This life-changing purchase is likely one of the most significant investments you’ll ever make, and for most, it is a proud moment. This process symbolizes stability, permanence, warmth, and accomplishment. It’s an exciting time, but there’s also much to consider. 

Many steps are involved, each with its own considerations and best practices. Most people think of this process as finding a home, handing over a down payment, and signing the paperwork. However, navigating this journey is not always straightforward, especially with [older homes](https://wini.com/articles/10-essential-things-to-consider-when-buying-an-older-home/).  

For example, when making an offer, you must consider what may be lurking in a home before closing the deal. Imagine buying your dream house only to find it full of [black mold](https://wini.com/articles/how-to-get-rid-of-black-mold/) or [asbestos](https://wini.com/services/asbestos-test/) a month after closing. What if you have secured your home and moved in, but now your house is leaking, or a friend visits and expresses concerns about the foundation? Then what?

Just as you were proactive in saving money, finding the right neighborhood and working with a great agent, you must also get the necessary inspections. It’s part of your due diligence as a buyer. Identifying potential issues before you sign that dotted line could mean the difference between contingencies in your offer and an extensive (and costly) renovation bill. WIN Home Inspection supports home buyers during this crucial stage. However, there's plenty to consider before and after home inspections. Let's start at the beginning.

Here are 15 steps to consider when buying a house.

## Step-by-Step Guide to Buying a House

![house-for-electrical-article-1-of-1.jpg](https://d2nnm6ppct4rc3.cloudfront.net/house_for_electrical_article_1_of_1_63bbfdcc8c.jpg)

If this is your first time investing in property, you may wonder, how long does it take to buy a house? Whether you're new to the real estate game, are upsizing, downsizing, or building your investment portfolio, the buying process remains relatively the same. 

### Step 1: Evaluate if You're Ready to Buy

For many, homeownership feels like a pipe dream. A [recent poll](https://www.documentcloud.org/documents/25020045-more-than-half-of-american-renters-who-want-to-buy-a-home-fear-theyll-never-afford-one/) found that 86% of current renters in the United States WANT to buy a home but can't afford one. Among these respondents, 54% believe they will never own a home. However, many are hopeful that this affordability crisis will one day change. 

If you're someone who feels similarly, don't count yourself out. Take these steps to assess certain variables so that you can make changes to reach your financial and real estate goals:

- Check your financial health. Focus on your credit score and debt-to-income ratio. Start taking steps to improve your credit rating so you can obtain an affordable mortgage when you’re ready. 
- Consider job stability and long-term location plans. Access to work matters, as do any long-term goals you have for your life. 
- Your emotional readiness is another variable. Owning a home requires a lot of responsibility and ongoing maintenance. Make sure you’re ready for this commitment. 

### Step 2: Set a Budget and Use a Home Affordability Calculator 

If you're confident about step one and your ability to navigate it, it's time to crunch some numbers. That’s especially true if you're looking into how to buy a second house. You want to ensure you have enough money to cover your homeowner expenses. 

What is your budget based on current variables? Use a [home affordability calculator](https://www.zillow.com/mortgage-calculator/house-affordability/) to see what is attainable. 

Ask yourself how much you could afford each month to secure home ownership. Total monthly costs should cover more than just your mortgage. Factor in insurance, taxes, and an ongoing reserve for utility bills and unexpected events. Having a rough figure in mind can help you set goals and create a realistic action plan. 

### Step 3: Start Saving Early 

As soon as you decide you're working toward homeownership, start saving. How much money do you need to buy a house? You'll need enough to cover the following:

- Down payment: Most mortgage loans require you to put anywhere from [3% to 20% down](https://www.bankrate.com/mortgages/how-much-is-a-down-payment-on-a-house/#:~:text=You%20can%20get%20a%20conventional,you%20a%20lower%20interest%20rate.). In 2024, the median down payment was [18% among all homebuyers](https://www.nar.realtor/newsroom/first-time-home-buyers-shrink-to-historic-low-of-24-as-buyer-age-hits-record-high#:~:text=Eighty%2Deight%20percent%20of%20home%20buyers%20would%20use%20their%20agent,repeat%20home%20buyers%20since%202003.) and 9% among first-time homebuyers. 
- Closing costs: Legal fees, land transfer tax, inspection fees, survey fees, and other closing costs must be factored into your initial budget. Budget for 3% to 5% of your loan’s amount. It helps to use a [closing cost calculator](https://www.bankofamerica.com/mortgage/closing-costs-calculator/). 
- Emergency fund: A new homeowner should expect the unexpected, especially in the first year. Your water heater may go out, or your HVAC system may die. Life can also happen, and income is never 100% certain. Having six months of expenses saved is vital to ensure you don't fall behind on payments. 

### Step 4: Explore Mortgage Options 

At this point, you'll have a pretty good idea of what you can afford and will be more aware of common financial and real estate terms within the homebuying process. Now, to secure funding for the purchase. Compare your options (conventional mortgages vs. FHA vs. VA vs. USDA loans). 

To select an ideal loan type, consider:

- Eligibility requirements
- Minimum down payments
- Minimum credit score
- Maximum income and loan limits
- Insurance requirements

FHA loans are popular for first-time homebuyers. However, VA options may interest you if you're a veteran or active service member (especially if you are working on rebuilding your credit). 

This step is when you will seek pre-qualification. You can submit data to receive a preliminary estimate of the potential mortgage size for which you may qualify — you then move on to the pre-approval process. 

### Step 5: Get Pre-Approved 

When you get pre-approved for a mortgage, a lender assesses your current financial situation. Based on that information, they determine the maximum you can borrow to purchase a home. By taking this step, you’ll better understand your borrowing power. Having a figure in mind can help you budget accordingly. 

If you find a property you like, a pre-approval can also make your offer more appealing to sellers. In a competitive market, that may give you an edge over other bidders. Pre-approvals average [60-120 days](https://www.rbcroyalbank.com/mortgages/getting-preapproved.html) and are subject to continued good credit. 

Wondering how to buy a house with cash​? If this is an option for you, it can be advantageous in a competitive market, as sellers don't have to wait for loan approval. Gather your funds and get a letter from your bank showing that you have funds to fulfill your offer. 

### Step 6: Build Your Home Wishlist 

Before you start house shopping, list the must-haves vs. nice-to-haves. While the actual home and property matter regarding the number of bedrooms or yard space, you must also consider lifestyle factors. If you have children, how far is the nearest school, and will the bus pick them up? What about the neighborhood vibe? How long is your work commute? 

### Step 7: Find a Real Estate Agent 

Working with a real estate agent provides valuable expertise and local market knowledge. They will also help you get a more favorable deal via negotiation. So, how do you find one you trust?

When real estate agents build a positive reputation, word gets out. Ask friends and family who they have worked with in the past. You can also check online listings or visit open houses to see how agents interact with clients. It's best practice to contact three agents. Take note of their communication style, experience, and fees. Read online reviews and don't be shy to ask questions. 

### Step 8: Start House Hunting 

It's time for the fun part — house hunting!

Start by searching online, using tools like those offered by [realtor.com](http://realtor.com). Attend open houses and visit neighborhoods. As your preferences change, notify your agent so that they know what to look for. Acting quickly is key, so ensure your agent is on the ball!

### Step 9: Make a Competitive Offer

Did you find "the one," and you’re ready to make an offer? Lean on your agent for support. They have experience in negotiating with sellers and other agents. Your agent can help you secure favorable terms, including price, closing dates, and contingencies. For example, you might offer slightly less than asking and ask for the seller to provide documentation that a [home inspection was completed](https://wini.com/services/home-inspection/). 

If you're unsure about what is fair to offer, ask your agent to provide a comparative market analysis (CMA) to determine the fair market value of a property. Once you do make an offer, you'll want to pay earnest money, showing the seller you're serious. If the seller accepts, that payment will be applied to your down payment. The closing date will depend on your terms.

### Step 10: Schedule a Home Inspection 

![Why Home Inspections are Essential After Renovations](https://d2nnm6ppct4rc3.cloudfront.net/Why_Home_Inspections_are_Essential_After_Renovations_1641b44994.png)

This step is critical, as you may uncover issues that must be addressed before closing. To be proactive, seek a home inspection company with experience and a strong reputation. These companies will have highly trained, certified inspectors who use the latest tools and technology to [detect potential issues](https://wini.com/home-buyer/) that could affect your safety, health, and investment. For example, you might want to find inspectors offering [infrared (IR) scan](https://wini.com/services/infrared-scan-ir/) technology or [sewer scope inspections](https://wini.com/services/sewer-scope-inspection/). These options can take this process to the next level, helping you gain the peace of mind you need to commit. 

**Here is a [comprehensive home inspection checklist](https://wini.com/articles/home-inspection-checklist-a-complete-guide-to-the-home-inspection-process/).** 

### Step 11: Request Repairs or Negotiate 

The above step will help you navigate your following actions. Based on the inspection report, choose to renegotiate, request repairs, or walk away. Discuss this process with your agent and the home inspection company. Assess the urgency of issues so you know what’s most pressing. Prioritize anything that’s a safety concern or a red flag that may cause significant long-term problems. 

Collect photos and secure an inspection report for the negotiation process. Next, decide on your walk-away point. How much can you realistically afford to address repairs the seller won't? At what point will you walk away? Communicate with your agent throughout the negotiation process. 

### Step 12: Get the Home Appraised 

If you're at this step, you're closing in on owning your first (or next) home. Now that you have selected a house, you must get an appraisal. Lenders typically order a home appraisal as part of the mortgage process, usually after the buyer and seller have agreed on a price. The appraisal determines fair market value, ensuring the mortgage is within a safe range for the lender. 

If an appraisal comes in lower than expected, the lender could and likely will decrease the amount you can borrow. So, you'll need to pay more upfront to cover the difference. 

### Step 13: Secure Homeowners Insurance 

If there are no issues and you secure funding, it's time to shop for home insurance. While home insurance is not required by law, most mortgage lenders will ask for your policy before they release funds for the home purchase. Insurance is often necessary to protect the lender's investment, even if you're not moving in immediately. Just as you compared agents, review several quotes and what they cover to choose the best option. 

### Step 14: Do a Final Walk Through

You're almost ready to hold those house keys! If you've reached the final walk-through, there are only a few more minor steps. Start with any repairs you requested as part of your offer. Make sure they are completed, and then continue your walk-through. Check appliances, fixtures, and the overall condition of the house. 

### Step 15: Close the Deal 

It's time to finalize the real estate deal. You'll most often need a cashier's check or proof of wire transfer, two forms of identification, and evidence of property insurance. 

Take your time reviewing the paperwork. If there is anything you don't understand about the fees, terms, or loan details, now is the time to clarify. Be prepared to sign and receive your keys. You've done it — you're officially a homeowner, again or for the first time!

## Know What to Expect (and Enjoy the Journey)

The journey to becoming a homeowner can be stressful. 

However, it's also exciting. Learning how to buy a house for the first time is a rewarding experience. Although the journey may seem complex, breaking it down into steps is key. You also don’t want to rush the process, especially when it comes to home inspections. Finding potential problems now can help you move into a home that encourages happy memories, not renovation headaches. Happy house hunting!


How to Buy a House in 2025: 15 Steps Every Homebuyer Should Know

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Ensure the septic system is free and clear of debris and is functioning properly. 

Septic Inspection

Ensure adequate water flow from the well system to the home. 

Well Flow Test

Check for safety hazards including wood rot, loose floorboards or handrails.

Deck Inspection

Commercial Inspection

Condo Inspection

Inspect the foundation and other areas to ensure quality throughout the building process.

Construction Phase Inspection

Assess the progress made on a new construction home to ensure it’s built according to plan.

Draw Inspection

Mold Air Test

Radon-in-Water Test

Full Home Inspection

Get expert advice without a written report to make a quick, yet informed decision.

Home Buyer Consultation

Inspect the framing, plumbing, and electrical before the drywall goes up.

Pre-Drywall Inspection

Gain valuable insights on 300+ items in your new construction home to ensure peace of mind.

New Construction Inspection

One-Year Warranty Inspection

Get an unbiased assessment of the rental home’s condition before moving in.

Move-In Inspection

Duplex/Multiplex Inspection

Manufactured Home Inspection

A visual inspection to assess the condition of the components of your mobile home.

Mobile Home Inspection

A thorough inspection of a recently purchased home, giving peace of mind after closing.

Post-Close Inspection

Re-Inspection

Get recurring updates on your appliances, including recalls, long after your inspection.

Your WIN Home Inspector in Crystal Lake

John Frasik & Team