Home Buying Tips
January 30, 2017 | Kim Higgins
When buying a home, there are many things to consider concerning the home and the transaction. Listed below, you'll find a few tips to keep in mind while you navigate the homebuying waters. Always remember that your agent is here to help you at any step along the way! 


Asbestos Concerns
Many sales agreements mention asbestos by saying something along the lines of, "The buyer is aware asbestos may be used in the construction of this home." This can be a little unsettling. Asbestos is a known carcinogen, and when exposed, tiny particles can be released into the air you breathe. Asbestos is a common insulator used in many homes and was used for everything from siding to tape wrapping for furnace air ducts and even sometimes in "popcorn" ceilings. There are several remedies that range from the simple to the complex. Your home inspector can tell you if asbestos is present in easily visible places such as siding, taping, and insulation, and recommend remedies if necessary.

Home Heating Sources
Heating and cooling systems are some of the most important investments you'll ever make in your home. Heating and cooling accounts for 44% of your home's energy use. Various systems include electric, gas, propane, oil, and even wood-fired. The method of distribution can be forced air, underfloor boilers and pipes, baseboard, zonal, gravity, heat pumps, ceiling wires and, of course, wood stove and fireplace. Some have higher purchase prices, while others cost more to maintain or operate. The more energy efficient an appliance is, the less it costs to run and the lower your utility bills. Use this knowledge to evaluate the asking price of any home. You'll be money ahead as you factor its heat source into an offer!

Insulation "R-Values"
The most important thing to be aware of with insulation, other than the safety issues of urea formaldehyde and asbestos (covered above), is the R-value, or the insulating factor. The higher the number, the better the insulator. Don't be too shocked if the insulation in the 15-year-old home you are considering isn't near the R-value of a brand new home. While there is no question you could save on heating bills by adding more insulation, sometimes it can take many, many years to recoup the costs. Often, gas or power companies have financial assistance programs including low-interest loans or even grants available if you boost your insulation. Talk to your home inspector about any upgrade recommendations before purchasing your next home.

Home Insurance
When purchasing a home, you will need to acquire homeowners insurance. In fact, all lenders will require a policy be in force prior to funding the loan. Make sure you have enough coverage, should anything happen. Policies refer to "replacement costs" that may not cover everything. You should ask your insurance agent a lot of "what if" questions. The deductible amount also plays a big part in setting your premium. Higher deductibles lower the number of claims and reduce your insurance costs. Check with your insurance agent for more information on these issues and any others. If you don't have an insurance agent, we have access to several top-notch agents we can refer you to with confidence.

Plumbing Alert
You will spot several different types of plumbing systems in any housing market, including our own. Copper, galvanized, rigid plastic, polybutylene, and soft plastic are but a few. Certain systems are more prone to having certain problems. The galvanized water pipe is most prone to rusting on the horizontal surfaces (such as under a floor) versus vertical surfaces (running up a wall) and it corrodes from the inside out. Some rigid plastic systems have been recalled, while others have fared very well. The most reliable types seem to be made of copper, but again there can be issues to check: Are the hangers plastic lined? Are there any lead solder joints? A good home inspector can help you identify any problem areas before you buy. There are several reputable inspectors in our area that we would be happy to refer.

Thinking Of Stucco?
Many newer homes are now being sided with artificial stucco siding, or EIFS (Exterior Insulation Finishing Systems). This is essentially polystyrene foam with a base coat, reinforcement mesh, then another base coat and then a finishing coat of stucco over the top. This is a terrific product, as it adds insulation value to the home, not to mention classy looks. However, it can also be a serious and very expensive repair if it isn't installed correctly and/or water gets behind it. There are several manufacturers of artificial stucco, and many builders installing it. Having it inspected allows you to know if there is a problem, and even if there isn't, you will be aware of the areas you need to keep caulked, and what to look for in case of trouble.

Energy Efficient Windows
Single pane, double pane, thermopane, triple pane windows, plain glass, leaded glass, low "e" glass, wired glass, and tempered glass, too...a lot to know! Some children have been known to shatter a window or two. Tempered glass can prevent this. Fogged thermal pane windows might need to be replaced if their seals are broken. New argon gas filled windows work well to insulate, while low-e coatings reduce the heat transfer for south facing rooms. We will be happy to show you the different types of windows and glass as we show you around homes, so be sure to ask us.

Home Wiring
The type of wiring in residential homes generally depends on when the home was built, where it was built and if it has been updated. In the older homes, knob and tube type wiring was the norm, replaced later by encased plastic-sheathed wiring. In most cases, the newer plastic-sheathed wiring is copper, insulated with plastic and then wrapped with insulation and another layer of plastic for protection. Breaker boxes are another story; sometimes a well-meaning homeowner can inadvertently make things unsafe. It is always wise to consult a reputable home inspector and even an electrician before you buy. A little homework today can save you a lot of money down the road. 
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