On HAR.com, I saw a listing that was well below the market value. It was a foreclosure. Would it carry in it the despair of the displaced residents? But are all homes on the market for happy reasons? How many homes come up for sale because of a death or divorce or other loss not solely financial?
Twice, we have had a major setback and had to sell our house quickly and move into a small apartment. To me, living without any great financial stress was far more important than owning a big house. Even while we still could pay the mortgage payments, we put the house up for sale and thus perhaps avoided a foreclosure.
I know someone who is nearing sixty and is working herself to the bone in order to keep her house. To her, that house is her life, her family. Recently, she came up with a brainwave of asking a friend/family/strangers to give her a personal loan of two hundred thousand dollars so she could pay up the mortgage on her house.
I advised her to put her house up for rent and move into an apartment, especially because she is living all alone in that big house.
You have no sentiment, she said. She was attached to the house because she and her late husband built it from scratch.
From childhood into adulthood and throughout my married life, I have moved from house to house a great deal. A house was just bricks, steel and pipes. Whatever memory I created in it was mine to take with me wherever I went. I had no attachment to any house.
But when I walked into this foreclosed home, I felt compelled to buy it and offer it hope. A foreclosure does not come with any disclosures. And even to my amateur eye I could see that the house needed extensive repairs.
I called several home inspectors and I went through their sample reports posted on their website. I liked HomeCert’s because it was so easy to read/follow. I am a very visual person and I prefer simple pictorial instructions to heavily worded technical ones.
At the end of a five-hour inspection, Chuck from Homecert went over the pictures on his camera, and then later emailed me an eighty-two page report with pictures and illustrations that covered every nook and cranny of the house from the foundation to the attic and onto the roof.
When I first went through HomeCert’s report, I was going to walk away from the house. But I was unable to. The house had grabbed me and even had me applying for a loan to fix the house (you have to live in a house for at least six months before you can apply for a home improvement loan, so we took a personal loan from the bank).
Using the inspection report from HomeCert, I have been able to take care of all the house’s immediate problems and in the next few weeks work on getting it back into splendid form.
The house, I am sure, is smiling once more.
Thank you, Chuck.
This Houston home inspection company review was imported from its original source. This Houston home inspector review was originally published on 11/10/2010 — HomeCert