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Inspecting and Appraising Your Home
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<li role="listitem"> <a class="block" href="/buying/down-payments-and-pmi" title="Down payments and PMI"> <div class="eyebrow"> Step 2 </div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-buying.svg" alt=""> </div> <div>Down payments and PMI</div> </a> </li> <li role="listitem"> <a class="block" href="/buying/finding-your-team" title="Finding your team"> <div class="eyebrow"> Step 3 </div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-buying.svg" alt=""> </div> <div>Finding your team</div> </a> </li> <li role="listitem"> <a class="block" href="/buying/finding-the-right-home" title="Finding the right home"> <div class="eyebrow"> Step 4 </div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-buying.svg" alt=""> </div> <div>Finding the right home</div> </a> </li> <li role="listitem"> <a class="block" href="/buying/working-with-your-lender" title="Working with your lender"> <div class="eyebrow"> Step 5 </div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-buying.svg" alt=""> </div> <div>Working with your lender</div> </a> </li> <li role="listitem"> <a class="block" href="/buying/making-your-offer" title="Making your offer"> <div class="eyebrow"> Step 6 </div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-buying.svg" alt=""> </div> <div>Making your offer</div> </a> </li> <li role="listitem"> <a class="block" href="/buying/inspecting-and-appraising-your-home" title="Inspecting and appraising"> <div class="eyebrow"> Step 7 </div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-buying.svg" alt=""> </div> <div>Inspecting and appraising</div> </a> </li> <li role="listitem"> <a class="block" href="/buying/closing-your-loan-when-buying" title="Closing your loan"> <div class="eyebrow"> Step 8 </div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-buying.svg" alt=""> </div> <div>Closing your loan</div> </a> </li> </ul> </div> </div> </div> <div role="menu" class="submenu owning" id="subnav-owning" data-toggler data-animate="slide-in-subnav slide-out-subnav" style="display: none;" tabindex="-1"> <div class="clearfix subnav-icons"> <button class="nav-icon float-left subnav-back" type="button" data-toggle="subnav-owning nav-menu-toggle submenu-wrapper" id="subnav-back-owning"> <svg aria-hidden="true" xmlns="http://www.w3.org/2000/svg" style="margin-left: 0; width:0.875rem; height:1.125rem" viewbox="0 0 30 40"> <g stroke-width="4" fill="none" class="stroke-contrast"> <line x1="2" y1="21" x2="23" y2="4"/> <line x1="2" y1="21" x2="23" y2="38"/> </g> </svg> Back<span class="show-for-sr"> to previous menu</span> </button> </div> <div class="grid-x"> <div class="cell"> <ul role="list" class="menu vertical no-margin-top half-gutter-top gutter-bottom"> <li role="listitem" class="overview-item"> <a class="block" href="/owning" title="Owning"> <div class="eyebrow"></div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-owning.svg" alt=""> </div> <div>Owning Overview</div> </a> </li> <li role="listitem"> <a class="block" href="/owning/your-responsibilities" title="Your responsibilities"> <div class="eyebrow"> </div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-owning.svg" alt=""> </div> <div>Your responsibilities</div> </a> </li> <li role="listitem"> <a class="block" href="/owning/your-homes-value" title="Your home's value"> <div class="eyebrow"> </div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-owning.svg" alt=""> </div> <div>Your home's value</div> </a> </li> <li role="listitem"> <a class="block" href="/owning/home-maintenance" title="Maintaining your home"> <div class="eyebrow"> </div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-owning.svg" alt=""> </div> <div>Maintaining your home</div> </a> </li> <li role="listitem"> <a class="block" href="/owning/homeownership-costs" title="Homeownership costs"> <div class="eyebrow"> </div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-owning.svg" alt=""> </div> <div>Homeownership costs</div> </a> </li> </ul> </div> </div> </div> <div role="menu" class="submenu refinancing" id="subnav-refinancing" data-toggler data-animate="slide-in-subnav slide-out-subnav" style="display: none;" tabindex="-1"> <div class="clearfix subnav-icons"> <button class="nav-icon float-left subnav-back" type="button" data-toggle="subnav-refinancing nav-menu-toggle submenu-wrapper" id="subnav-back-refinancing"> <svg aria-hidden="true" xmlns="http://www.w3.org/2000/svg" style="margin-left: 0; width:0.875rem; height:1.125rem" viewbox="0 0 30 40"> <g stroke-width="4" fill="none" class="stroke-contrast"> <line x1="2" y1="21" x2="23" y2="4"/> <line x1="2" y1="21" x2="23" y2="38"/> </g> </svg> Back<span class="show-for-sr"> to previous menu</span> </button> </div> <div class="grid-x"> <div class="cell"> <ul role="list" class="menu vertical no-margin-top half-gutter-top gutter-bottom"> <li role="listitem" class="overview-item"> <a class="block" href="/refinancing" title="Refinancing"> <div class="eyebrow"></div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-refinancing.svg" alt=""> </div> <div>Refinancing Overview</div> </a> </li> <li role="listitem"> <a class="block" href="/refinancing/planning-to-refinance" title="Planning to refinance"> <div class="eyebrow"> Step 1 </div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-refinancing.svg" alt=""> </div> <div>Planning to refinance</div> </a> </li> <li role="listitem"> <a class="block" href="/refinancing/costs-of-refinancing" title="Costs of refinancing"> <div class="eyebrow"> Step 2 </div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-refinancing.svg" alt=""> </div> <div>Costs of refinancing</div> </a> </li> <li role="listitem"> <a class="block" href="/refinancing/options-for-refinancing" title="Options for refinancing"> <div class="eyebrow"> Step 3 </div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-refinancing.svg" alt=""> </div> <div>Options for refinancing</div> </a> </li> <li role="listitem"> <a class="block" href="/refinancing/working-with-your-lender" title="Working with your lender"> <div class="eyebrow"> Step 4 </div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-refinancing.svg" alt=""> </div> <div>Working with your lender</div> </a> </li> <li role="listitem"> <a class="block" href="/refinancing/closing-your-loan" title="Closing your loan"> <div class="eyebrow"> Step 5 </div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-refinancing.svg" alt=""> </div> <div>Closing your loan</div> </a> </li> </ul> </div> </div> </div> <div role="menu" class="submenu selling" id="subnav-selling" data-toggler data-animate="slide-in-subnav slide-out-subnav" style="display: none;" tabindex="-1"> <div class="clearfix subnav-icons"> <button class="nav-icon float-left subnav-back" type="button" data-toggle="subnav-selling nav-menu-toggle submenu-wrapper" id="subnav-back-selling"> <svg aria-hidden="true" xmlns="http://www.w3.org/2000/svg" style="margin-left: 0; width:0.875rem; height:1.125rem" viewbox="0 0 30 40"> <g stroke-width="4" fill="none" class="stroke-contrast"> <line x1="2" y1="21" x2="23" y2="4"/> <line x1="2" y1="21" x2="23" y2="38"/> </g> </svg> Back<span class="show-for-sr"> to previous menu</span> </button> </div> <div class="grid-x"> <div class="cell"> <ul role="list" class="menu vertical no-margin-top half-gutter-top gutter-bottom"> <li role="listitem" class="overview-item"> <a class="block" href="/selling" title="Selling"> <div class="eyebrow"></div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-selling.svg" alt=""> </div> <div>Selling Overview</div> </a> </li> <li role="listitem"> <a class="block" href="/selling/working-with-your-agent" title="Working with your agent"> <div class="eyebrow"> Step 1 </div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-selling.svg" alt=""> </div> <div>Working with your agent</div> </a> </li> <li role="listitem"> <a class="block" href="/selling/costs-of-selling" title="Costs of selling"> <div class="eyebrow"> Step 2 </div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-selling.svg" alt=""> </div> <div>Costs of selling</div> </a> </li> <li role="listitem"> <a class="block" href="/selling/preparing-to-sell-your-home" title="Preparing to sell your home"> <div class="eyebrow"> Step 3 </div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-selling.svg" alt=""> </div> <div>Preparing to sell your home</div> </a> </li> <li role="listitem"> <a class="block" href="/selling/negotiating-offers" title="Negotiating offers"> <div class="eyebrow"> Step 4 </div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-selling.svg" alt=""> </div> <div>Negotiating offers</div> </a> </li> <li role="listitem"> <a class="block" href="/selling/closing-your-loan-when-selling" title="Closing your loan"> <div class="eyebrow"> Step 5 </div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-selling.svg" alt=""> </div> <div>Closing your loan</div> </a> </li> </ul> </div> </div> </div> <div role="menu" class="submenu renting" id="subnav-renting" data-toggler data-animate="slide-in-subnav slide-out-subnav" style="display: none;" tabindex="-1"> <div class="clearfix subnav-icons"> <button class="nav-icon float-left subnav-back" type="button" data-toggle="subnav-renting nav-menu-toggle submenu-wrapper" id="subnav-back-renting"> <svg aria-hidden="true" xmlns="http://www.w3.org/2000/svg" style="margin-left: 0; width:0.875rem; height:1.125rem" viewbox="0 0 30 40"> <g stroke-width="4" fill="none" class="stroke-contrast"> <line x1="2" y1="21" x2="23" y2="4"/> <line x1="2" y1="21" x2="23" y2="38"/> </g> </svg> Back<span class="show-for-sr"> to previous menu</span> </button> </div> <div class="grid-x"> <div class="cell"> <ul role="list" class="menu vertical no-margin-top half-gutter-top gutter-bottom"> <li role="listitem" class="overview-item"> <a class="block" href="/renting" title="Renting"> <div class="eyebrow"></div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-renting.svg" alt=""> </div> <div>Renting Overview</div> </a> </li> <li role="listitem"> <a class="block" href="/renting/what-can-you-afford" title="What can you afford"> <div class="eyebrow"> Step 1 </div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-renting.svg" alt=""> </div> <div>What can you afford</div> </a> </li> <li role="listitem"> <a class="block" href="/renting/preparing-to-rent" title="Preparing to rent"> <div class="eyebrow"> Step 2 </div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-renting.svg" alt=""> </div> <div>Preparing to rent</div> </a> </li> <li role="listitem"> <a class="block" href="/renting/finding-the-right-rental" title="Finding the right rental"> <div class="eyebrow"> Step 3 </div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-renting.svg" alt=""> </div> <div>Finding the right rental</div> </a> </li> <li role="listitem"> <a class="block" href="/renting/applying-for-a-lease" title="Applying for a lease"> <div class="eyebrow"> Step 4 </div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-renting.svg" alt=""> </div> <div>Applying for a lease</div> </a> </li> <li role="listitem"> <a class="block" href="/renting/before-you-sign" title="Know before you sign"> <div class="eyebrow"> Step 5 </div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-renting.svg" alt=""> </div> <div>Know before you sign</div> </a> </li> </ul> </div> </div> </div> <div role="menu" class="submenu getting-help" id="subnav-getting-help" data-toggler data-animate="slide-in-subnav slide-out-subnav" style="display: none;" tabindex="-1"> <div class="clearfix subnav-icons"> <button class="nav-icon float-left subnav-back" type="button" data-toggle="subnav-getting-help nav-menu-toggle submenu-wrapper" id="subnav-back-getting-help"> <svg aria-hidden="true" xmlns="http://www.w3.org/2000/svg" style="margin-left: 0; width:0.875rem; height:1.125rem" viewbox="0 0 30 40"> <g stroke-width="4" fill="none" class="stroke-contrast"> <line x1="2" y1="21" x2="23" y2="4"/> <line x1="2" y1="21" x2="23" y2="38"/> </g> </svg> Back<span class="show-for-sr"> to previous menu</span> </button> </div> <div class="grid-x"> <div class="cell"> <ul role="list" class="menu vertical no-margin-top half-gutter-top gutter-bottom"> <li role="listitem" class="overview-item"> <a class="block" href="/getting-help" title="Getting Help"> <div class="eyebrow"></div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-getting-help.svg" alt=""> </div> <div>Getting Help Overview</div> </a> </li> <li role="listitem"> <a class="block" href="/getting-help/assessing-your-situation" title="Assessing your financial situation"> <div class="eyebrow"> </div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-getting-help.svg" alt=""> </div> <div>Assessing your financial situation</div> </a> </li> <li role="listitem"> <a class="block" href="/getting-help/who-to-contact-for-help" title="Who to contact for help"> <div class="eyebrow"> </div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-getting-help.svg" alt=""> </div> <div>Who to contact for help</div> </a> </li> <li role="listitem"> <a class="block" href="/getting-help/options-to-stay" title="Options to stay in your home"> <div class="eyebrow"> </div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-getting-help.svg" alt=""> </div> <div>Options to stay in your home</div> </a> </li> <li role="listitem"> <a class="block" href="/getting-help/options-to-leave" title="Options to leave your home"> <div class="eyebrow"> </div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-getting-help.svg" alt=""> </div> <div>Options to leave your home</div> </a> </li> <li role="listitem"> <a class="block" href="/getting-help/natural-disasters" title="Help after a natural disaster"> <div class="eyebrow"> </div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-getting-help.svg" alt=""> </div> <div>Help after a natural disaster</div> </a> </li> <li role="listitem"> <a class="block" href="/getting-help/avoiding-fraud" title="Avoiding fraud"> <div class="eyebrow"> </div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-getting-help.svg" alt=""> </div> <div>Avoiding fraud</div> </a> </li> <li role="listitem"> <a class="block" href="/owning/borrower-notification-letter-faqs" title="Borrower notification letter FAQs"> <div class="eyebrow"> </div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-getting-help.svg" alt=""> </div> <div>Borrower notification letter FAQs</div> </a> </li> </ul> </div> </div> </div> <div role="menu" class="submenu blog" id="subnav-blog" data-toggler data-animate="slide-in-subnav slide-out-subnav" style="display: none;" tabindex="-1"> <div class="clearfix subnav-icons"> <button class="nav-icon float-left subnav-back" type="button" data-toggle="subnav-blog nav-menu-toggle submenu-wrapper" id="subnav-back-blog"> <svg aria-hidden="true" xmlns="http://www.w3.org/2000/svg" style="margin-left: 0; width:0.875rem; height:1.125rem" viewbox="0 0 30 40"> <g stroke-width="4" fill="none" class="stroke-contrast"> <line x1="2" y1="21" x2="23" y2="4"/> <line x1="2" y1="21" x2="23" y2="38"/> </g> </svg> Back<span class="show-for-sr"> to previous menu</span> </button> </div> <div 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<div>Homebuying</div> </a> </li> <li role="listitem"> <a class="block" href="/blog/homeownership" title="Homeownership"> <div class="eyebrow"> </div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-blog.svg" alt=""> </div> <div>Homeownership</div> </a> </li> <li role="listitem"> <a class="block" href="/blog/refinancing" title="Refinancing"> <div class="eyebrow"> </div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-blog.svg" alt=""> </div> <div>Refinancing</div> </a> </li> <li role="listitem"> <a class="block" href="/blog/rental-housing" title="Rental Housing"> <div class="eyebrow"> </div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-blog.svg" alt=""> </div> <div>Rental Housing</div> </a> </li> <li role="listitem"> <a class="block" href="/blog/selling" title="Selling"> <div class="eyebrow"> </div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-blog.svg" alt=""> </div> <div>Selling</div> </a> </li> <li role="listitem"> <a class="block" href="/blog/blog-archive" title="All Blogs"> <div class="eyebrow"> </div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-blog.svg" alt=""> </div> <div>All Blogs</div> </a> </li> </ul> </div> </div> </div> <div role="menu" class="submenu resources" id="subnav-resources" data-toggler data-animate="slide-in-subnav slide-out-subnav" style="display: none;" tabindex="-1"> <div class="clearfix subnav-icons"> <button class="nav-icon float-left subnav-back" type="button" data-toggle="subnav-resources nav-menu-toggle submenu-wrapper" id="subnav-back-resources"> <svg aria-hidden="true" xmlns="http://www.w3.org/2000/svg" style="margin-left: 0; width:0.875rem; height:1.125rem" viewbox="0 0 30 40"> <g stroke-width="4" fill="none" class="stroke-contrast"> <line x1="2" y1="21" x2="23" y2="4"/> <line x1="2" y1="21" x2="23" y2="38"/> </g> </svg> Back<span class="show-for-sr"> to previous menu</span> </button> </div> <div class="grid-x"> <div class="cell"> <ul role="list" class="menu vertical no-margin-top half-gutter-top gutter-bottom"> <li role="listitem" class="overview-item"> <a class="block" href="/resources" title="Tools & Resources"> <div class="eyebrow"></div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-resources.svg" alt=""> </div> <div>Tools & Resources Overview</div> </a> </li> <li role="listitem"> <a class="block" href="/resources/calculators" title="Calculators & Worksheets"> <div class="eyebrow"> </div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-resources.svg" alt=""> </div> <div>Calculators & Worksheets</div> </a> </li> <li role="listitem"> <a class="block" href="/resources/quizzes" title="Quizzes"> <div class="eyebrow"> </div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-resources.svg" alt=""> </div> <div>Quizzes</div> </a> </li> <li role="listitem"> <a class="block" href="/resources/glossary" title="Glossary"> <div class="eyebrow"> </div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-resources.svg" alt=""> </div> <div>Glossary</div> </a> </li> <li role="listitem"> <a class="block" href="/resources/brochures" title="Brochures"> <div class="eyebrow"> </div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-resources.svg" alt=""> </div> <div>Brochures</div> </a> </li> <li role="listitem"> <a class="block" href="/resources/working-with-freddie-mac-borrower-help-centers" title="Borrower Help Centers"> <div class="eyebrow"> </div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-resources.svg" alt=""> </div> <div>Borrower Help Centers</div> </a> </li> <li role="listitem"> <a class="block" href="/resources/renter-resource-organizations" title="Renter Resource Organizations"> <div class="eyebrow"> </div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-resources.svg" alt=""> </div> <div>Renter Resource Organizations</div> </a> </li> <li role="listitem"> <a class="block" href="/resources/creditsmart" title="CreditSmart"> <div class="eyebrow"> </div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-resources.svg" alt=""> </div> <div>CreditSmart</div> </a> </li> <li role="listitem"> <a class="block" href="/myhome-subscription" title="Subscribe to My Home"> <div class="eyebrow"> </div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-resources.svg" alt=""> </div> <div>Subscribe to My Home</div> </a> </li> </ul> </div> </div> </div> <div class="submenu search show-for-xlarge" id="subnav-search" style="display: none;" tabindex="-1"> <div class="grid-x gutter-top"> <div class="cell large-9 large-centered gutter-top"> <div class="nav-search" id="nav-search-desktop"> <form role="search" class="position-relative" action="/search-results" method="get" accept-charset="utf-8"> <input class="desktop-search" name="query" type="search" placeholder="Type search entry..." aria-label="Search field" required="" maxlength="100"> <button type="submit" class="center-vertically search-button" aria-label="Search"><svg aria-hidden="true" xmlns="http://www.w3.org/2000/svg" style="width:1.25rem; height:1.25rem" viewBox="0 -1.6 20 20"> <g fill="none" fill-rule="evenodd" stroke="#343434" stroke-width="2" transform="translate(2 1)"> <circle cx="10" cy="7" r="7"></circle> <path stroke-linecap="square" d="M4.5 12L0 16"></path> </g> </svg></button> </form> </div> </div> </div> </div> </div> <div id="content-wrapper" class="content-wrapper clearfix"> <div data-drupal-messages-fallback class="hidden"></div> <main role="main"> <a id="main-content" tabindex="-1"></a> <div class="layout-content"> <div id="block-myhome-theme-content"> <div class="content"> <div class="hero-wrapper "> <div class="hero"> <div class="hero-background" style="background-image: url(https://freddiemac.widen.net/content/euv8csmrk8/jpeg/CC_MH_15647_buying_Inspect.jpg?); background-position: 50% 0%;"> </div> </div> </div> <div> <div class="nav-contextual-wrapper half-gutter-top gutter-bottom show-for-large"> <nav class="text-center nav-contextual" role="navigation"> <a id="buying-what-can-you-afford-tile" href="/buying/what-can-you-afford" class="nav-tile"> <div class="eyebrow gutter-bottom"> Step 1 </div> <div>What can you afford</div> </a> <a id="buying-down-payments-and-pmi-tile" href="/buying/down-payments-and-pmi" class="nav-tile"> <div class="eyebrow gutter-bottom"> Step 2 </div> <div>Down payments and PMI</div> </a> <a id="buying-finding-your-team-tile" href="/buying/finding-your-team" class="nav-tile"> <div class="eyebrow gutter-bottom"> Step 3 </div> <div>Finding your team</div> </a> <a id="buying-finding-the-right-home-tile" href="/buying/finding-the-right-home" class="nav-tile"> <div class="eyebrow gutter-bottom"> Step 4 </div> <div>Finding the right home</div> </a> <a id="buying-working-with-your-lender-tile" href="/buying/working-with-your-lender" class="nav-tile"> <div class="eyebrow gutter-bottom"> Step 5 </div> <div>Working with your lender</div> </a> <a id="buying-making-your-offer-tile" href="/buying/making-your-offer" class="nav-tile"> <div class="eyebrow gutter-bottom"> Step 6 </div> <div>Making your offer</div> </a> <a id="buying-inspecting-and-appraising-your-home-tile" href="/buying/inspecting-and-appraising-your-home" class="nav-tile is-active"> <div class="eyebrow gutter-bottom"> Step 7 </div> <div>Inspecting and appraising</div> </a> <a id="buying-closing-your-loan-when-buying-tile" href="/buying/closing-your-loan-when-buying" class="nav-tile"> <div class="eyebrow gutter-bottom"> Step 8 </div> <div>Closing your loan</div> </a> </nav> </div> <div class="gutter-left gutter-right hide-for-large nav-mobile-wrapper clearfix"> <a id="contextual-dropnav-trigger" class="block nav-mobile-label text-center" data-toggle="contextual-subnav" aria-controls="contextual-subnav" data-is-focus="false" data-yeti-box="contextual-subnav" aria-haspopup="true" aria-expanded="false"> <span id="contextual-dropnav-label">Inspecting and appraising</span><br> <svg aria-hidden="true" xmlns="http://www.w3.org/2000/svg" style="width:1.25rem; height:1.25rem" 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class="grid-container"> <div class="grid-x grid-padding-x"> <div class="large-8 medium-10 medium-centered cell gutter-bottom"> <div class="text-center gutter-all-large"> <h1>Inspecting and appraising your home</h1> <p class="lead gutter-bottom">Your home is one of the biggest investments you'll ever make, and getting a professional evaluation of its condition and value prior to closing is critical.</p> <hr> </div> </div> <div class="large-8 medium-10 medium-centered cell"> <div> <div> <div class="paragraph paragraph--type--wysiwyg paragraph--view-mode--default"> <div><h2 class="section-header no-margin-top">The importance of a home appraisal</h2> <p>Once your offer is final, your lender will order an appraisal to get a professional opinion on the value of the home — versus how you and the seller value the home.</p> <p>The home appraisal is a necessary step in getting your financing secured, and it protects you and the bank by making sure the home’s value matches the agreed upon sale price. For example, your lender doesn’t want to lend $200,000 on a home that’s only worth $175,000, and you certainly don’t want to pay $200,000 for a home that’s worth much less.</p> <p>You may want to consider including an <a href="https://myhome.freddiemac.com/blog/homeownership/20210624-understanding-contingencies">appraisal contingency</a> in your purchase offer. If the appraisal report shows that the home’s value is lower than your offer, an appraisal contingency can allow you to walk away from the home purchase or renegotiate your offer price.</p> <p><a href="https://myhome.freddiemac.com/blog/homeownership/what-homebuyers-can-expect-appraisal-and-what-do-if-its-below-your-offer-price">Learn more about what to expect with a home appraisal.</a></p> </div> </div> </div> <div> <aside class="promo-themed"> <p>In your written offer, it’s highly recommended that you make the home purchase <a href="https://myhome.freddiemac.com/blog/homeownership/20210624-understanding-contingencies">contingent</a> on the appraisal and inspection.</p> </aside> </div> <div> <div class="paragraph paragraph--type--wysiwyg paragraph--view-mode--default"> <div><h2 class="section-header">The importance of a home inspection</h2> <p>The home you want to buy looked pristine and perfect when you saw it with your real estate agent. So why bother with a home inspection? It’s simple: What if there is an underlying issue with the home that you can’t detect, such as an imminent plumbing issue that could cost thousands of dollars to fix?</p> <p>A home inspection gives you the opportunity to have the home thoroughly examined by a professional before you buy it.</p> <p>Paying for a home inspection can be well worth it both for peace of mind and the potential to avoid costly trouble in the future. You can choose your own inspector, and your real estate agent should be able to recommend several well-qualified home inspectors if you need assistance.</p> <p>If the inspector finds issues, you can work with the seller to determine if they need to pay for repairs. Or, if you have a <a href="https://myhome.freddiemac.com/blog/homeownership/20210624-understanding-contingencies">home inspection contingency</a>, you have the option to renegotiate the sales price, require the seller to make repairs, or back out of the offer.</p> <p><a href="https://myhome.freddiemac.com/blog/homeownership/20210629-what-to-expect-home-inspection">Learn more about what to expect during a home inspection.</a></p> </div> </div> </div> </div> </div> </div> </article> </div> <!-- End div class content. --> </div> </div> <aside class="card-wrapper"> <div class="grid-container"> <div class="grid-x grid-padding-x"> <div class="cell"> <div class="gutter-all background-white"> <div class="grid-x grid-padding-x"> <div class="large-11 xlarge-10 cell large-centered gutter-top gutter-bottom-medium"> <div class="grid-x grid-padding-x gutter-bottom"> <div class="cell text-center"> <h2>From Our Blog</h2> </div> </div> <div class="grid-x grid-padding-x grid-padding-y gutter-bottom" data-equalizer data-equalize-on="medium"> <div class="cell medium-4"> <a class="color-inherit block" href="/blog/homebuying/what-is-credit-life-insurance-should-i-have-it"> <div class="card"> <div aria-hidden="true"> <img src="/sites/g/files/ynjofi136/files/styles/4x3_aspect_ratio/public/blog-credit-life-insurance_large.png?itok=SOPFal9e" width="640" height="480" alt="Couple reviewing finances at kitchen table" loading="lazy" /> </div> <div class="card-section background-concrete" data-equalizer-watch> <h3 class="h4 half-gutter-bottom">What Is Credit Life Insurance? Should I Have It?</h3> <p class="half-margin-bottom">Learn what credit life insurance is — and ways you can ensure your loved ones are protected from any large financial burden when you die.</p> <p class="align-self-bottom"><span aria-hidden="true" class="arrow-text"><span>Read More</span></span></p> </div> </div> </a> </div> <div class="cell medium-4"> <a class="color-inherit block" href="/blog/homebuying/is-now-a-good-time-to-buy"> <div class="card"> <div aria-hidden="true"> <img src="/sites/g/files/ynjofi136/files/styles/4x3_aspect_ratio/public/blog-is-now-good-time-to-buy_large.png?itok=spKpQD49" width="640" height="480" alt="Discussing homebuying with a real estate professional." loading="lazy" /> </div> <div class="card-section background-concrete" data-equalizer-watch> <h3 class="h4 half-gutter-bottom">Is Now a Good Time to Buy?</h3> <p class="half-margin-bottom">Whether you are ready to buy a home depends on your personal financial situation. But you can become a more informed and prepared homebuyer by following these housing market conditions.</p> <p class="align-self-bottom"><span aria-hidden="true" class="arrow-text"><span>Read More</span></span></p> </div> </div> </a> </div> <div class="cell medium-4"> <a class="color-inherit block" href="/blog/homeownership/20180824-ten-terms-you-should-know"> <div class="card"> <div aria-hidden="true"> <img src="/sites/g/files/ynjofi136/files/styles/4x3_aspect_ratio/public/blog_terms-large.jpg?itok=oZaUar_q" width="640" height="480" alt="" loading="lazy" /> </div> <div class="card-section background-concrete" data-equalizer-watch> <h3 class="h4 half-gutter-bottom">10 Real Estate Terms Every Homebuyer Should Know</h3> <p class="half-margin-bottom">Buying a home is exciting, but it's easy to get overwhelmed if you're not familiar with the homebuying vocabulary.</p> <p class="align-self-bottom"><span aria-hidden="true" class="arrow-text"><span>Read More</span></span></p> </div> </div> </a> </div> </div> </div> </div> </div> </div> </div> </div> </aside> <div id="block-prevnextsteps"> <div class="next-step-wrapper"> <div class="grid-container"> <div class="grid-x grid-padding-x"> <div class="cell small-11 small-centered medium-8 large-6 text-center"> <div class="next-step-label"> <div class="center-absolute"> <div class="eyebrow half-margin-bottom">Next </div> <div>Closing your loan</div> </div> <a aria-label="view previous page" class="float-left" href="/buying/making-your-offer"> <svg class="center-vertically" aria-hidden="true" xmlns="http://www.w3.org/2000/svg" width="18" height="31" viewBox="0 0 18 31"> <path fill="none" stroke="currentColor" stroke-width="2" d="M17.15 29.618L1.66 15.476 17.15 1.334"></path> </svg> </a> <a aria-label="view next page" class="float-right" href="/buying/closing-your-loan-when-buying"> <svg class="center-vertically" aria-hidden="true" xmlns="http://www.w3.org/2000/svg" width="18" height="31" viewBox="0 0 18 31"> <path fill="none" stroke="currentColor" stroke-width="2" d="M.803 29.618l15.489-14.142L.802 1.334"></path> </svg> </a> </div> </div> </div> </div> </div> </div> <footer role="navigation" class="fatfooter hide-for-print"> <div class="footer-top grid-container fluid"> <div class="grid-x"> <div class="cell xlarge-3"> <div class="logo-wrapper"> <!-- TODO?: maybe move hyperlink and logo markup to a block and width to css--> <a href="https://www.freddiemac.com"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/PrimaryLogo.svg" alt="Freddie Mac Home" width="197" height="70" style="width: 12.3125rem; height: 4.375rem;" /> </a> </div> </div> <div class="cell xlarge-9"> <div class="grid-x grid-margin-x"> <div class="cell small-order-3"> <p class="footer-notice">These webpages are for general informational purposes only. 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