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Don’t Skip the Home Inspection

Don’t Skip the Home Inspection – Protect Your Investment the Right Way

When you finally find the house that feels like the one, it’s easy to get caught up in the excitement. You’ve walked through it, pictured your favorite chair in the corner of the living room, maybe even imagined enjoying your morning coffee on the front porch. The last thing you want is anything slowing down the process—or worse, losing the house to another buyer who waived a few steps. But let me give it to you straight: Buying a home is one of the most significant financial decisions you’ll ever make. No matter how perfect that house might look on the surface, skipping the home inspection is a risk that could cost you dearly down the road.

What Is a Home Inspection?

A home inspection is a professional evaluation of the property’s condition, usually done after your offer is accepted but before closing. The inspector looks at all the major systems and structural elements—roof, foundation, plumbing, electrical, HVAC, and more. While specifics vary by state, the goal is the same everywhere: to uncover issues that may not be obvious during your initial tour.

Why a Home Inspection Is Worth Every Penny

Here’s why I always encourage buyers—especially first-timers—not to skip this crucial step:

  • It helps you avoid unpleasant surprises. That home might look move-in ready, but there could be hidden issues. A thorough inspection gives you a clearer picture of what you’re buying.
  • It gives you negotiating power. If the inspection uncovers concerns, you and your agent may be able to renegotiate terms—either by requesting repairs or a seller credit to cover the cost.
  • It offers peace of mind. You’ve got enough on your plate already. An inspection gives you confidence that you’re making a sound investment.

The truth is, spending a few hundred dollars on an inspection could save you thousands—or more—in unexpected repairs later. The National Association of Realtors® puts it plainly:

“Failure to obtain a home inspection could potentially cost you a great deal of money and hassles in the long run.”

Why You Shouldn’t Waive the Inspection

In today’s competitive market, nearly 1 in 4 buyers are waiving their inspection contingency to try and strengthen their offer. I get it—homes are moving fast, especially in the spring. But Realtor.com says it best:

“. . . if you’re in a hot real estate market where homes are getting multiple offers, there might be a temptation to skip an inspection when you really want the house. However, waiving a home inspection comes with sizable risks.”

There are other ways to make your offer stand out without putting yourself in a tough spot later. A flexible closing date or a strong pre-approval letter can go a long way. Always talk with your agent before skipping any step—especially one that protects your future.

The Bottom Line

Skipping the home inspection might seem like a shortcut, but it’s not wise. It’s not just paperwork or a delay—it’s a safeguard—a layer of protection for your wallet, your home, and your peace of mind.

If you could ask a home inspector one question before buying a home, what would it be? Send it my way—I’ll make sure it’s the first thing we cover in the process.

 

 

Scott Swinford is a dedicated mortgage lender and founder of American Hero Home Loans, specializing in VA loans and mortgage solutions for Veterans, first responders, and everyday heroes. As a former first responder himself, Scott brings a deep understanding of the unique needs and challenges faced by those who serve. With a strong commitment to education, he regularly teaches classes to real estate professionals and military families, helping them navigate the path to homeownership with confidence. Whether you're buying your first home or exploring your VA loan benefits, Scott is here to serve you with integrity, expertise, and purpose.

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