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New Jersey Real Estate Attorney Christine Matus Releases Article on the Importance of Home Inspections When Buying a House
New Jersey real estate attorney Christine Matus emphasizes that buying a home is one of the most significant investments most individuals will make in their lifetime. "While the search for the perfect home can be exhilarating, it's essential to uncover any hidden issues before finalizing the purchase," says Matus. "A professional home inspection can save buyers from unforeseen repair costs and provide peace of mind."
According to New Jersey real estate attorney Christine Matus, although a home inspection is not legally required in New Jersey, it is one of the most important steps buyers can take to ensure their new home is free from mechanical and structural issues. "Sellers are legally obligated to disclose known defects, but there are often problems that sellers themselves may not be aware of," Matus explains. "A thorough home inspection can reveal these hidden issues, allowing buyers to make informed decisions."
The article by New Jersey real estate attorney Christine Matus differentiates between a home inspection and an appraisal. While both are critical, they serve distinct purposes. A home inspection involves a detailed examination of the property's main structure and mechanical systems, ensuring there are no significant problems. In contrast, an appraisal assesses the home's fair market value to ensure it is worth the price being paid. Mortgage companies require appraisals to confirm the property's value for lending purposes, but these do not address potential mechanical or structural concerns.
A typical home inspection covers various aspects of the property, including the exterior, foundation, roof, attic, insulation, electrical system, plumbing, HVAC components, and major appliances. The inspection process, which can take several hours, is thorough and meticulous, aiming to identify any existing or potential issues.
Matus highlights that while there are no legal obligations for sellers to fix issues identified during a home inspection, certain repairs may be necessary to ensure the property's safety and habitability. "Buyers should prioritize addressing hazards such as trip hazards, pest infestations, significant structural issues, building code violations, mold or water damage, and fire or electrocution risks," she advises. "Cosmetic repairs and general wear and tear, however, are typically the buyer's responsibility."
In some instances, financial institutions or insurance providers may refuse mortgage loans or coverage based on unsatisfactory inspection results. This underscores the importance of addressing critical concerns to secure a mortgage and ensure a smooth transaction.
The home inspection contingency is a pivotal clause in real estate contracts, offering buyers the opportunity to re-evaluate the deal or negotiate remedies based on the inspection findings. Matus stresses that while New Jersey law does not mandate hiring a home inspector, skipping this step is a significant risk. "The home inspection contingency is your line of defense, ensuring you're not walking into a costly mistake," she says. "It empowers buyers to thoroughly examine the property and make informed decisions."
The cost of a home inspection in New Jersey ranges between $400 and $600, depending on the property's size. While this might seem like an additional expense, it is a minor cost compared to potential risks. Furthermore, most mortgage lenders require an inspection before approving a loan, effectively integrating the inspection into the buying process.
Matus advises that the initial inspection might indicate the need for further specialized evaluations, such as mold testing or wood-destroying insect inspections. Buyers must weigh the cost of additional inspections against potential deal-breakers they may uncover.
A professional home inspection can save buyers hundreds, if not thousands, of dollars in unforeseen repair costs and offer an out if structural issues are found. "Having a comprehensive home inspection completed allows the buyer to ask for corrections from the seller or negotiate the price to offset any corrections the buyer will need to make," Matus explains.
Buying a home can be both exciting and overwhelming. Engaging the services of an experienced New Jersey real estate attorney such as Christine Matus can provide peace of mind and help ensure that there will be no lingering issues in the home-buying experience.
About The Matus Law Group:
The Matus Law Group, based in New Jersey, is dedicated to providing comprehensive legal services in real estate, estate planning, and special needs planning. With a commitment to personalized client service, the firm can offer guidance and support throughout the home-buying process, helping ensure that clients' interests are protected every step of the way.
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Email:Send Email [https://www.abnewswire.com/email_contact_us.php?pr=new-jersey-real-estate-attorney-christine-matus-releases-article-on-the-importance-of-home-inspections-when-buying-a-house]
Phone: (732) 785-4453
Address:125 Half Mile Rd #201A
City: Red Bank
State: New Jersey 07701
Country: United States
Website: https://matuslaw.com/
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