House Viewing Questions

House Viewing Questions

Many of your questions should focus on potential problems and maintenance issues. Does anything need to be replaced? What things require ongoing maintenance (e.g., paint, roof, HVAC, appliances, carpet)? Also ask about the house and neighborhood, focusing on quality...
House Viewing Questions

Choosing a Lender

Choose your lender carefully. Look for financial stability and a reputation for customer satisfaction. Be sure to choose a company that gives helpful advice and that makes you feel comfortable. A lender that has the authority to approve and process your loan locally...
House Viewing Questions

Seller Disclosure Form

A seller disclosure form can give you an idea of potential problems, but it should never be considered a substitute for a professional home inspection. Sellers may overlook problems, and often not be aware of them. It’s smart to use the disclosure as starting...
House Viewing Questions

Mortgage Expiration

If you lock in a mortgage rate, make sure the expiration date leaves enough time to complete the real estate closing. The flood of home purchases and refinancings has created major processing delays, so if there is any question about the processing time, or if you...
House Viewing Questions

Buying Issues

Always check to see if the house is in a low-lying area, in a high-risk area for natural disasters (like earthquakes, hurricanes, tornadoes, etc.), or in a hazardous materials area. Be sure the house meets building codes. Also consider local zoning laws, which could...
House Viewing Questions

Lender Responsibilities

Lenders are not allowed to discriminate in any way against potential borrowers. If you believe a lender is refusing to provide his or her services to you on the basis of race, color, nationality, religion, sex, familial status, or disability, contact HUD’s...