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Why An Inspection?

Why you should get an Inspection

home inspection graphic for mortgagesWhether you are buying or selling a home, you should have a professional home inspection performed.

A home inspection will look at the systems that make up the building such as:

  • Structural elements, foundation, framing etc
  • Plumbing systems
  • Roofing
  • Electrical systems
  • Cosmetic condition, paint, siding etc

Also consider a pest inspection to look for wood destroying insects and a well & septic inspection to make sure everything is working properly.

If you are buying a home, you need to know exactly what you are getting. A inspection, performed by a professional inspector, will reveal any hidden problems with the home so that they may be addressed BEFORE the transaction is closed. You should require an inspection at the time you make a formal offer. Make sure the contract has an inspection contingency. Then, hire your own inspector and pay close attention to the inspection report. If you aren’t comfortable with the findings you can re-negotiate the contract.

Other types of inspection you should strongly consider are:

1. Well & Septic Inspections – very important to make sure your water is safe to drink and your toilet isn’t going to take a crap on you!

2. Pest Inspections – It could be very costly if something starts buggin’ you!

(follow the above links for more info)

I’d be happy to recommend a reputable company to you. Give me call if I can help. 269.360.7109

 

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Conventional vs USDA Loan Michigan: Your 2026 Mortgage Flight Plan

The “obvious” choice for your mortgage might actually be the most expensive path if you don’t account for the unique terrain of the West Michigan housing market. While you might assume a massive down payment is the only way to avoid financial turbulence, comparing a Conventional vs USDA Loan Michigan reveals that the right flight plan often involves much less upfront cash than expected.

We understand that staring at a map of geographic eligibility or weighing monthly mortgage insurance costs can feel like flying through heavy fog. It’s frustrating when you’re ready to move but feel grounded by confusing requirements. This guide will help you compare these options with the precision of a seasoned navigator. You’ll learn how to identify if your dream neighborhood is USDA-eligible, how the 2026 loan limit of $832,750 impacts your Conventional path, and how the $119,850 income limit affects your USDA eligibility. By the end of this flight plan, you’ll have the expert coordinates needed to choose a loan that offers maximum lift for your West Michigan home journey.

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