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Real Estate Loans

Helpful Hints in Shopping for a Home

There are many things that you must consider when searching for your dream home. You'll save time during your house hunting process by taking a few minutes to read and discuss the following:

Style of home? Two stories, ranch, split level or something else.

Size of home? How many bedrooms and bathrooms do you need.

Priorities you can't do without? Garage, fireplace, formal dining room, master bath

Knowing your price range before you start shopping will also save you time and energy. After talking with your Houghton State Bank mortgage lender, you'll have a better idea of the price range of homes you can shop for. Below is a list of items that you should check before you decide on a home.

 

Structural and Mechanical Systems

  • Are exposed beams and joists in good conditions?
  • Do basement walls have any large cracks that may indicated a shifting foundation?
  • Are there any mildew stains that indicate dampness or flooding?
  • If the basement is not heated, is the ceiling insulated?
  • Is the attic well insulated?
  • Is there any evidence of water damage from a leaky roof?
  • Are floors springy or are they even and solid?
  • Are walls (especially at door frames and windows) free from large cracks?
  • Do all doors and windows work smoothly?
  • Are bathroom fixtures in good condition?
  • Does the faucet's water flow remain steady when toilets are flushed?
  • Does water drain well?
  • Are there enough well placed electrical outlets in the rooms?
  • Does the service to the house match its electrical needs?
  • Is the capacity and recovery time of the water heater adequate for your family?
  • Does the water heater show signs of rust?
  • Do kitchen appliances seem to be in good condition (if included in sale)?
  • Will your appliances (if you're bringing them with you) fit in the present spaces?
  • Do furnace and/or air-conditioning unit(s) appear to be well serviced?
  • Is the fan quiet?

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Outside the House

  • Is the outdoor lighting adequate?
  • Are sidewalks and driveway in good condition?
  • Will water drain off of the sidewalks and driveway?
  • Are there any noticeable sags or dips in the roof?
  • Are the shingles in good condition?
  • Are the gutters in good conditions, with tight seams and downspouts that point away from the house?
  • Do the foundation walls have any cracks larger that 1/4-inch wide?
  • Is the house's exterior surface in good condition?
  • Are there cracks where materials meet at two walls or at windows and walls?
  • Do windows, doors, and the chimney sit square and plumb?
  • Do the outdoor electrical circuits have ground fault current interrupters to prevent shock?
  • Is the lot sloped for proper drainage?
  • Are there low spots near the house?
  • Does the landscaping appear healthy?
  • Are large trees at least 30 feet from the house?

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Inside the House

  • How many finished/unfinished rooms and bathrooms are on each floor?
  • Does the main entry lead people directly into the living room or make them wonder which way to go?
  • Are eating areas (including any located outdoors) easily accessible from the kitchen?
  • Does traffic through the kitchen flow outside of the work area?
  • Are the stove, sink, and refrigerator arranged in an efficient working layout?
  • Are there built-in appliances like a dishwasher, garbage disposal or trash compactor?
  • Do open appliance doors block doorways, cabinets or each other?
  • Does it have adequate counter and cupboard space?
  • Are bathrooms accessible without having to cross a bedroom or other living space?
  • Does it have adequate counter and storage space in the bathroom?
  • Do bedrooms have two uninterrupted wall surfaces for easy furniture arrangements
  • Does it have adequate closet/storage space?

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It may be wise to have a professional housing inspector take a look at any home you're thinking about buying so you can make an informed decision on whether this is the home for your.

And don't forget the golden rule, location, location, location! Not only is it important that you live in a house that is located in a nice area, but it will also allow you to sell your home if you ever need to move again.

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