Dos And Don'ts Of Buying A Home

Home buying season is officially here and when it comes to your finances there are dos and don'ts that come along with the often-overwhelming responsibility of taking on a new or higher mortgage.

Here is a list of the top dos and don'ts to keep in mind when you're shopping for a home.

Ensure you're in a good financial place.

With the increase in minimum down payment (20 per cent minimum on the portion of the price of a home over $500,000), it's important to review your financial plan and ensure you are ready to make one of the largest purchases you'll likely ever make. When it comes to deciding on the amount to put down on your home, everyone is different. Some may want to minimize debt as much as possible while others may be comfortable with a higher mortgage if the investment returns look promising.

Keep the emotion out of it.

Buying a home can be a very emotional process which is why it's essential you know your budget before getting emotionally attached. Get pre-approved for a mortgage BEFORE you begin your search. Even if you just start looking casually, you may stumble upon a place that feels like home, and at that point it may be more difficult to stick with what's affordable if you don't have a set budget.

Identify your priorities. What is a "need to have" versus a "nice to have." One way to weigh out the differences is by making a list of the top must-haves and rating them on a scale from one to ten.

When it comes to keeping the emotion out of your decision-making, waiving a home inspection is another big no-no; while you may be over the moon about a home you found, it isn't worth the risk of sacrificing potential unforeseen problems down the road.

Mortgage broker versus banks.

In the past, it was commonplace for homebuyers to resort to their banks for their mortgage requirements and needs, but these days there is an increasing presence of mortgage brokers. Mortgage specialists have access to a range of lenders and rates and can negotiate the lowest rate on your behalf.

Say no to mortgage insurance.

Here's why: with mortgage insurance, everyone at the same age pays the same premium. There are no discounts to be had for a better than average lifestyle, health status, etc. Additionally, mortgage insurance benefit value declines as you pay your mortgage. So even though you will continue to pay the same price for insurance, it will decrease in value and it will be gone when your mortgage is paid off, even though you may have ongoing insurance needs.

Location, location, location!

The farther away you are from your place of work, the more you may end up spending every month on your commute. Weigh the extra commuting expenses after tax credits versus the incremental mortgage payment on a property that would not only make your daily commute shorter and less expensive, but also save you a lot of time.

Happy house hunting!

National Healthy Homes Month

The Office of Lead Hazard Control and Healthy Homes "OLHCHH"
Welcomes you to the First Annual National Healthy Homes Month 2016 webpage 

National Healthy Homes Month (NHHM) will be held for the first time during June 2016.   This month-long celebration offers an opportunity to learn more about housing and its impact on health and provide resources to encourage local activities as well as empower families to protect themselves from hazards in their home. June’s outreach activities aim to greatly boost awareness and understanding of what federal and local resources are available to make a difference in the lives of all residents, regardless of where they live. 

HUD’s Office of Lead Hazard Control and Healthy Homes (OLHCHH) is coordinating the efforts of NHHM. Thanks to the support and collaborations with other federal agencies and partners; NHHM will provide a deliberate, coordinated and holistic approach to creating healthy and safe homes. Creating a holistic approach includes efforts to combine activities related to:    

1. Childhood lead poisoning  prevention
2. Residential asthma intervention
3. Injury prevention
4. Smoke free public housing
5. Safe indoor pest control
6. Radon Safety
7. Disaster Recovery

The target audiences for the scope of activities are comprised of state and local government agencies, nongovernmental organization, nonprofit organizations, property owners and individual families especially those with small children. 

Each week in June; NHHM will focus on the “Principals of Healthy Homes” and associated set of activities. The themes are designed to highlight the paired topics. When you get your activities planned consider letting us know about them! We would love to hear about the event planning and results.

EXPERT MOLD INSPECTION IRVINE

Included With Your
Mold Inspection

Moisture Meter Testing and Thermal Imaging
Referral for FREE Remediation Estimate
Report with Photos & Scope of Work
ERMI/DNA Mold Test Option 

About the Inspectors:

The local family owned operator of Guaranteed Property and Mold Inspections, Inc., has been providing home, mold, radon, EMF, energy conservation audits and other environmental inspections and testing for 17 years in California.
We performed over 7,000 mold investigations, environmental indoor air sampling, home inspections, radon tests, thermal imaging, EMF consultation and energy saving audits. We are nationally certified, experienced, and fully insured to meet all of your inspection needs. As a nationally recognized experts, we personally provide all field inspection services and as a result is able to maintain the highest Better Business Bureau, Yelp and Angie List ratings. As expert consultants, we have assisted NBC news NightLine to develop a series of consumer awareness programs regarding unscrupulous mold companies, contractors, inspectors, and duct cleaners (see show videos at the bottom of this page).
Our extensive training and years of experience as a mold consultants, environmental testers, and home inspectors guarantees that you receive the most thorough, state of the art and comprehensive mold and indoor air quality inspection in the industry. As such, we exceed the current industry standards of practice and codes of ethics. We conduct every inspection as if we were moving our own family into the home or property. Every inspection includes consultation, testing options and a scope of work on potential indoor air pollutants including: mold, allergens, lead paint, asbestos, bacteria, ventilation, VOC's, formaldehyde, indoor air quality measures, EMF, water quality and Radon.
Unlike other mold inspection companies, who will need to refer you to an other environmental specialists, we are nationally certified experts who can handle the job without making you jump through hoops to hire additional inspectors. It is a code of ethics violation to both inspect and remediate. As a result, we can refer you to separate remediation companies that can provide you with a free estimate based on our written report and scope of work.
Take the time to read through our credentials and qualifications, as this is so important when hiring an inspector. Don't focus on price alone, you don't want cheap, rather you want good, when it comes to your families health and safety. Focus on value, quality, experience and professionalism. When you hire an inspector, any inspector, you are hiring their individual knowledge, experience and qualifications, so make sure you hire the best ; We are confident that you will be Guaranteed Properties next satisfied customer.

EXPERT HOME INSPECTION IRVINE

FREE with your Home Inspection√ Mold Physical Inspection and Moisture Meter Testing, Thermal Imaging 
√ Energy Conservation Audit ($400 annual savings) 
√ Security Alarm Installation Coupon ($300 value)
√ 90 Day Home Warranty (no deductible)
√ Same Day Report with Photos
√ Repair Estimates of Defects

Steve Z. Arrives Green To Inspections In His Zero Emission Rated Prius. Where Does He Hide The Ladder? Leave A Review

Local family owned operator of Guaranteed Property and Mold Inspections, Inc., has been providing home, mold, radon, energy conservation audits and environmental inspections for 17 years in California. We performed over 7,000 home inspections, mold investigations, energy saving audits,  radon tests, thermal imaging, EMF consultation and other environmental testing. We are is nationally certified, experienced, and fully insured to meet all of your inspection needs. As a recognized experts, we personally provides all field inspection services and as a result are able to maintain the highest, BBB, Yelp and Angie’s List ratings. As a national consultants, we have assisted NBC news NightLine to develop a series of consumer awareness programs regarding unscrupulous contractors, inspectors, mold companies and duct cleaners (see show videos at the bottom of this page). Our extensive training and years of experience as a home inspectors, mold consultants, and environmental testers, guarantees that you receive the most thorough, state of the art and comprehensive inspection in the industry. As such, we exceed the current industry standards of practice and codes of ethics. Our staff conducts every inspection as if we were moving our own families into the home. Every home inspection is backed up with a 90 home day warranty policy. Unlike other inspection companies, who will need to refer you to an environmental or other specialists, we are nationally certified experts who can handle the job without making you jump through hoops to hire additional people before the end of your inspection period: including the areas of: mold, indoor air quality, allergens, child safety, radon, formaldehyde, energy conservation, EMF, water quality, and VOC’s. As a result of our advanced training, We are able to offer a FREE Mold Inspection, and energy savings audit,  with each home inspection. Take the time to read through our credentials and qualifications, as this is so important when hiring an inspector. Don’t focus on price alone, “you don’t want cheap, rather you want good,” when it comes to an expensive home purchase, as well as your families health and safety. Focus on value, quality, experience and professionalism. When you hire an inspector, any inspector, you are hiring their individual knowledge, experience and qualifications, so make sure you hire the best ; We are confident that you will be our next satisfied customer

EXPERT HOME INSPECTION SANTA ROSA

FREE with your Home Inspection√ Mold Physical Inspection and Moisture Meter Testing, Thermal Imaging 
√ Energy Conservation Audit ($400 annual savings) 
√ Security Alarm Installation Coupon ($300 value)
√ 90 Day Home Warranty (no deductible)
√ Same Day Report with Photos
√ Repair Estimates of Defects

Steve Z. Arrives Green To Inspections In His Zero Emission Rated Prius. Where Does He Hide The Ladder? Leave A Review

Local family owned operator of Guaranteed Property and Mold Inspections, Inc., has been providing home, mold, radon, energy conservation audits and environmental inspections for 17 years in California. We performed over 7,000 home inspections, mold investigations, energy saving audits,  radon tests, thermal imaging, EMF consultation and other environmental testing. We are is nationally certified, experienced, and fully insured to meet all of your inspection needs. As a recognized experts, we personally provides all field inspection services and as a result are able to maintain the highest, BBB, Yelp and Angie’s List ratings. As a national consultants, we have assisted NBC news NightLine to develop a series of consumer awareness programs regarding unscrupulous contractors, inspectors, mold companies and duct cleaners (see show videos at the bottom of this page). Our extensive training and years of experience as a home inspectors, mold consultants, and environmental testers, guarantees that you receive the most thorough, state of the art and comprehensive inspection in the industry. As such, we exceed the current industry standards of practice and codes of ethics. Our staff conducts every inspection as if we were moving our own families into the home. Every home inspection is backed up with a 90 home day warranty policy. Unlike other inspection companies, who will need to refer you to an environmental or other specialists, we are nationally certified experts who can handle the job without making you jump through hoops to hire additional people before the end of your inspection period: including the areas of: mold, indoor air quality, allergens, child safety, radon, formaldehyde, energy conservation, EMF, water quality, and VOC’s. As a result of our advanced training, We are able to offer a FREE Mold Inspection, and energy savings audit,  with each home inspection. Take the time to read through our credentials and qualifications, as this is so important when hiring an inspector. Don’t focus on price alone, “you don’t want cheap, rather you want good,” when it comes to an expensive home purchase, as well as your families health and safety. Focus on value, quality, experience and professionalism. When you hire an inspector, any inspector, you are hiring their individual knowledge, experience and qualifications, so make sure you hire the best ; We are confident that you will be our next satisfied customer

EXPERT MOLD INSPECTION SANTA ROSA

Included With Your
Mold Inspection

Moisture Meter Testing and Thermal Imaging
Referral for FREE Remediation Estimate
Report with Photos & Scope of Work
ERMI/DNA Mold Test Option 

About the Inspectors:

The local family owned operator of Guaranteed Property and Mold Inspections, Inc., has been providing home, mold, radon, EMF, energy conservation audits and other environmental inspections and testing for 17 years in California.
We performed over 7,000 mold investigations, environmental indoor air sampling, home inspections, radon tests, thermal imaging, EMF consultation and energy saving audits. We are nationally certified, experienced, and fully insured to meet all of your inspection needs. As a nationally recognized experts, we personally provide all field inspection services and as a result is able to maintain the highest Better Business Bureau, Yelp and Angie List ratings. As expert consultants, we have assisted NBC news NightLine to develop a series of consumer awareness programs regarding unscrupulous mold companies, contractors, inspectors, and duct cleaners (see show videos at the bottom of this page).
Our extensive training and years of experience as a mold consultants, environmental testers, and home inspectors guarantees that you receive the most thorough, state of the art and comprehensive mold and indoor air quality inspection in the industry. As such, we exceed the current industry standards of practice and codes of ethics. We conduct every inspection as if we were moving our own family into the home or property. Every inspection includes consultation, testing options and a scope of work on potential indoor air pollutants including: mold, allergens, lead paint, asbestos, bacteria, ventilation, VOC's, formaldehyde, indoor air quality measures, EMF, water quality and Radon.
Unlike other mold inspection companies, who will need to refer you to an other environmental specialists, we are nationally certified experts who can handle the job without making you jump through hoops to hire additional inspectors. It is a code of ethics violation to both inspect and remediate. As a result, we can refer you to separate remediation companies that can provide you with a free estimate based on our written report and scope of work.
Take the time to read through our credentials and qualifications, as this is so important when hiring an inspector. Don't focus on price alone, you don't want cheap, rather you want good, when it comes to your families health and safety. Focus on value, quality, experience and professionalism. When you hire an inspector, any inspector, you are hiring their individual knowledge, experience and qualifications, so make sure you hire the best ; We are confident that you will be Guaranteed Properties next satisfied customer.

EXPERT MOLD INSPECTION SONOMA COUNTY

Included With Your
Mold Inspection

Moisture Meter Testing and Thermal Imaging
Referral for FREE Remediation Estimate
Report with Photos & Scope of Work
ERMI/DNA Mold Test Option 

About the Inspectors:

The local family owned operator of Guaranteed Property and Mold Inspections, Inc., has been providing home, mold, radon, EMF, energy conservation audits and other environmental inspections and testing for 17 years in California.
We performed over 7,000 mold investigations, environmental indoor air sampling, home inspections, radon tests, thermal imaging, EMF consultation and energy saving audits. We are nationally certified, experienced, and fully insured to meet all of your inspection needs. As a nationally recognized experts, we personally provide all field inspection services and as a result is able to maintain the highest Better Business Bureau, Yelp and Angie List ratings. As expert consultants, we have assisted NBC news NightLine to develop a series of consumer awareness programs regarding unscrupulous mold companies, contractors, inspectors, and duct cleaners (see show videos at the bottom of this page).
Our extensive training and years of experience as a mold consultants, environmental testers, and home inspectors guarantees that you receive the most thorough, state of the art and comprehensive mold and indoor air quality inspection in the industry. As such, we exceed the current industry standards of practice and codes of ethics. We conduct every inspection as if we were moving our own family into the home or property. Every inspection includes consultation, testing options and a scope of work on potential indoor air pollutants including: mold, allergens, lead paint, asbestos, bacteria, ventilation, VOC's, formaldehyde, indoor air quality measures, EMF, water quality and Radon.
Unlike other mold inspection companies, who will need to refer you to an other environmental specialists, we are nationally certified experts who can handle the job without making you jump through hoops to hire additional inspectors. It is a code of ethics violation to both inspect and remediate. As a result, we can refer you to separate remediation companies that can provide you with a free estimate based on our written report and scope of work.
Take the time to read through our credentials and qualifications, as this is so important when hiring an inspector. Don't focus on price alone, you don't want cheap, rather you want good, when it comes to your families health and safety. Focus on value, quality, experience and professionalism. When you hire an inspector, any inspector, you are hiring their individual knowledge, experience and qualifications, so make sure you hire the best ; We are confident that you will be Guaranteed Properties next satisfied customer.