15 Things to Check BEFORE You Buy a House
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- Опубликовано: 5 окт 2024
- Before you pull the trigger to buy a house or condo, you really need to thoroughly know what you are buying. There are many aspect of the home and its environment to take into consideration. Natural disaster types to watch out of, flood zones, environmental aspect such as pollution level, crime level, just to name a few. Buying a home represents a large part of our total finances and so care must be taken before you sign on the dotted line.
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Don't but to close to a bar. I had a house in a small community years ago and every winter there would be snowmobiles all hours of the night going through my yard. I told a woman I worked with about this and she said she lives about 6 blocks from a bar and at least once a summer there would be someone sleeping in her yard.
before you buy a home make sure to check if the neighbors don't have any dogs out 24/7...because that might mean lots of barking and or howling sounds all night....aka not very good or not enough sleep for you which will effect your health and living quality.......
Oh yes... there are always dogs everywhere. If they don't have them now, they might get them later too.
yes but not everybody leaves the dogs outside 20/7.... I am a dog owner myself but my dogs are always inside at night so my neighbors sleep well at night....If people just housebreak their dogs and actually include them into their families this would not be an issue in the first place....
Not to mention how much waste gets on your yard.
Totally underrated detail right there. Thanks.
Great news!!!! I was very concerned about dog barking too...until I saw the device in my neighborhood's facebook and I will be grateful to that person. Go to Amazon, type something like "dog bark stopper" I got one good price. Hang them at your balcony, tree, porch, etc etc. I did that. No dog barking anymore. Let me know if you want to see the tiny little device that I got from Amazon for this purpose. I could have paid even 100+ for such a device but it is MUCH cheaper than that. We are sleeping like a baby since then. This device spreads some kind of vibration that dogs don't like but humans don't hear/feel this vibration. It is harmless to dogs but it shuts them up!!
I’ve been looking for a house to buy for the last few months, haven’t found the right one yet.. seems every one I fall in love with at first sight, are ALWAYS already “pending”... I’ve come to dread that word lol
another thing I considered is make sure that there is at least one room or more you could rent out if you had to if you did lose your job. I'd rather rent out my rooms and sleep in the living room than lose the house during a temporary recession.
I know renting is "cheaper" long run, but that doesn't work in certain markets. We are about to be priced out of renting here in so cal and one reason for buying was to have "rent control"
Very true about that. I suppose in a temporary recession, some will have a hard time paying rent also.
Renting vs. buying is a whole different topic. I address that here: ruclips.net/video/iqBXGfYvW1I/видео.html
Ha ha, I like the idea of buying as a form of rent control. It certainly is! But then there is the hefty price of a down payment you lock up rather than getting gains elsewhere.
Looking to buy a house this year, thank's for all the good info.
I had everything checked before I signed my life away. Lol. The only thing I didn't get checked was the plumbing. After being in the home for 6 months, I had tub stoppage. I had insurance so someone came to fix it. Other than that, no issues.
Great video. Check what they paid for property taxes last year. The neighborhood next to mine, is almost double the tax rate.
Oh yes, property taxes that varies from county to county. It's usually a percentage of the purchase price so the most expensive it is, the more expensive the property tax. It's a huge burden when you think about a 10-30 years of consistently paying this tax.
tubejim101 why is almost the double the taxes ?
It is a way of keeping "less desirable" people out of the neighbor hood. It is a win for me. Our neighbor hood is just as nice, and my neighbors are the best. And we pay 1/2 the taxes. Win win for us.
BeatTheBush Property tax is NOT a percentage of the purchase price. it is based on value after assessment. If your property increased value because of new million dollar surrounding neighborhood being built, your property value automatically goes up and so does your taxes buddy. happened to my moms small house. she complained but at least the house is worth more for sale now. built 1982
tubejim101 lol it might be a way of "keeping less desirable people out", that has nothing to do with the rates. Some towns are higher because they are run by bad politicians who are not good at running the town. And as other's mentioned the assessment value of the property going up.
Lots of great ideas. Make sure the inspector knows what he's doing. Not all inspectors are created equal. Most states require lead paint test if house was built before 197X, termite inspections standard. Many states require a radon test. To check freeway noise, go to house during rush hour, not just weekend. Single-pane windows can be made more efficient with storm windows instead of replacement windows. Some community colleges have classes on buying your first home. Finally, buying is not always your best option. If you might change jobs or job locations, if you might want to move into a different school district, or if you might need to relocate for any reason; you want the flexibility renting offers. Lots of great ideas here I hadn't thought of.
Some inspector might not do much and collect money, lol. You might also want to stay until a train passes to feel the shake too.
Honestly even more important is knowing whether the house has a Lien, the title, taxes, if all construction was done with permits and is up to code.. and there’s more. I know plenty of ppl who buy “3 family homes” and the the town will them it’s 2 family and I’ve seen ppl about to close on homes with Liens... honestly these issues are just as important, if not more so.
Great points beat the bush. Thanks for covering the risks. Home purchase is life changing and needs to viewed from multiple angles and strategically thought through before pulling the trigger. I will say for my wife and I buying a home worked well for us. Because of inflation my house is nearly doubled in value. I save probably $600 a month in rent because I was able to buy when market was low
Agreed. Very good that things worked out and I bet at the time of purchase it wasn't such a sure thing like right now.
Not sure how much of it out there that people purchase homes for the appearance of looking well off while one is not secure enough to pull it off. Hopefully, it's not the case most the time.
Get a professional home inspection before you sign the papers.
Agreed
Frank Ornelaz I want to add #16, because a home inspection doesn't cover this. Have a plumber run a camera down your sewer line. Home inspection only covers plumbing underneath the house, but not the front yard or street. I was unaware of this, until I had a sewer problem. I had root intrusion, from the tree in my front yard. Had to replace clay pipes and make repairs under the street (not cities responsibility, another hard lesson) with a total cost of 16K.
I completely agree! However: bear in mind that some home inspectors are corrupt. My parents ran into some issues once because the home inspector they hired was bribed, and "forgot" to mention the severity of the mold damage that he saw within the interior of the house walls. Mold is lethal and toxic, and it affected my parents' health significantly until the mold spots began to show itself and they realized what was going on. Sad but true. :-/
Man!... I can't tell you what a breath of fresh air this video was ... great job! Im a veteran so the down payment isn't an issue, and have been an owner 18 yrs now... but the little things matter like offenders in your area - I normally wouldn't have put two and two together - interesting. Thank you!
p.s. If you make a more 'in depth' list - repost as Updated video part 2 ... this stuff is important!
Thank you very much, I'm 14 and I'm learning about real life things right now.
Happy to help!
BEST VIDEO EVER!!! Thanks a billion+ Note: I would appreciate so very much if you make a video about pros and cons of buying a brand new single family house versus older one. There is hardly any video in this subject. Actually, I came across with another person on youtube begging for videos on this subject.
I just found this video.
Even now years later, this vide has a ton of great suggestions!!
Thank u so much for posting 🙏🏽
Oh, this is so useful! I am currently trying to save money for a down-payment, and some of the points didn't even cross my mind. Especially the sex offenders-very good point!
Excellent! Exactly my intention. To bring up some things to check that you might have wanted to. =D
There are programs for first time buyers as well as rural housing help too. You can save up to 0% down payment on a home and finance at a lower rate loan if you qualify. Google - Programs for first time buyers, or RD Direct. Great job BTB!
Yeah, must really take advantage of those if they are available. Bad thing about the 0% down is you end up with a bigger mortgage, lol.
Most houses are sold within a decade anyways, if you work the affordable interest rate and their years to pay (up to 33), you can get a great payment.
before u buy a house , inspection supposed to be done, and let all water faucet run for an hour and keep flushing the toilet, u might have a big leak when u move in!
That's a good point too.
Great info! Many buyers don't realize the fundamentals of buying a home.
GOOD VIDEO. I live in california and to replace my central heater they were charging me $14,800 on my 1780sqf house.
That sounds like a rip off. Get multiple quotes and suddenly the price will drop by more than half.
Nah trust me I tried for almost 3 months. Unless I did it with someone that was not licensed then they had a better price at around $1800-$2300 but it was too risky. Licensed contractors her in california want over 10k to replace the entire heating system on a 1780sqt house in west covina, ca. Anyways I like all the information you put out there. Thanks again
An expansion on #5, 6 and 7; are the owners, neighbors or agents litigious, or criminals? You might move into the best deal on earth, but if you have a crazy neighbor, it could turn into a nightmare. Some people play civil suits- even if wrong they know you won't be able to afford fight to a win- It's cheaper to just concede. And associations- They're usually ran by people with nothing else to do than make your life miserable, and you really don't have any say if they suddenly want to replace all the roofs, or think all the siding is 'outdated.' this means 'assessments,' on top of mortgage, tax, insurance and association fees. You really have zero rights. Last, associations and property management can be corrupt, or even conspiring! It's difficult to impossible to fight, and you hear lots and lots of frustration with associations. Great video, it's such a vast subject that it's daunting to foresee all the possible buried landmines!
I agree!~ One of my exneighbors had schizophrenia, which lead to a lot of issues that I have never anticipated in my wildest dreams. Even worse, she was retired, so she was at home 24/7. Thankfully I was just renting at the time, though unfortunately there is really no way of knowing the quality of your neighbors aside from running a public criminal check like what BeathTheBush says and living there for an extended period of time. ^^
I like the sou d of the trains lol! It was soothing falling asleep as a kid. We were far away eough to not get polution
Many houses in Foster City are barely 9 feet above sea level. A distant Tsunami could easily flood the area by coming under the Golden Gate. San Mateo County has proposed an increase in height to the levee system which will impact the taxes significantly but they say that will negate mandatory flood insurance on mortgaged homes.
to just add my two cents worth...watch out if the property is over a flight path (if you even care) and non permitted additions to your property.
Oh yes.. you don't want the airplanes to roar over every 5 minutes! And non permitted additions can be a real headache if found. Additional property tax or required removal of the addition!
Don’t buy a house next to a busy road cause you’ll never get sleep ever again!!!
i live next to one. Omg i hate it
Also there are problems that a home inspector cannot detect. If you buy a house in dry weather you will need to do a very careful inspection the first few times it rains.
All awesome points ! Make sure the electrical wiring has grounded outlets as it's super inconvenient to fix that. Also in cold climates check for good insulation with a thermal camera for heat loss. Congrats on the artsy intro =D
Oh yeah. Good point. When an electronic item is not 'grounded' any stray wires that connects to the metal outer box makes it dangerous to touch. If it were grounded, it would just trip the breaker. Good safety to have.
Who has a thermal camera? That might be good to do even after having the home. Actually, I want to get one, lol. Trying out the intro, a bit rough but it'll get better. =D
Thermal cameras are awesome ! The Flir brand is the best for the money.
If you have an iPhone 5 they make a snap-on one called a Flir One. I
may still have one, need to find it.
I was eyeing the hand held one where you can hack it to have the resolution to the much more expensive versions.
omg can you hack a Flir Two ?
I don't have one but instructions are out there. Apparently you can only do it with the E4 version with older firmware.
first off the most important thing is location location location and let me say that one more time location next make sure there's no fees in your area for road maintenance exedra water make sure you don't have hard water or contaminated water if you're on a well make sure the well is deep enough and much lower than the water table or you're going to spend around $40,000 to replace it also make sure your area is not zoned for Section 8 housing or you'll be surrounded buy s*** heads who will steal you blind another good piece of advice hits by the smallest house in the nicest neighborhood will get top dollar for it when you sell it and there are always new families starting or people downsizing enjoy
Oh! Those are great! Specially the hard water part. It's important for the life of your appliances and if you need to get a water softener.
Thanks..agree
Great info very expansive. But a small thing i would suggest is providing links or sources to the info you want people to look up such as sex offenders, crimes ect. Because not everyone may know where to look for a reliable source for that type of info. Again tho this covered many aspects most people dont think about.
Less than $500 for an HVAC system I would like to know where you are purchasing an HVAC that cheap. They range from $3,000 to $10,000
I think that was more for inspection.
@@BeatTheBush all in all it was awesome information keep up the good work. Thank you
Great info. Most of them I already was checking for but there was a few that never crossed my mind so thanks!
You're welcome!
Thank you so much for all this information. These are great pointers.
Awwww I haven't watched your videos in so long and now I find this video when looking for house buying tips TT-TT
Watch out for DIY fixes previous owners have done. All big changes - building a new room or running new electric, finishing a basement have to have permits. Also, tell the inspector specifically to look at that electric cable running from the wire into your house, or they will not check that it is the proper size, and these are $2k to fix.
You're right. Not to code stuff is a headache.
Also check if there is colleges or universities near if you have kids and want them to have an education.
will you do a vid on the best methods or apps for calculating PITI, monthly mortgage, down payments, closing costs, etc.
thanks
Hmm. I made a worksheet a while ago on calculation the monthly mortgage here: ruclips.net/video/nsUSKz1a7tI/видео.html It's in a downloadable worksheet in the video description.
As usually, super helpful and realistic! Take pride in your smarts bush!!!
Thanks! Just a few things, there's likely more though.
I love how he says railroad
“Violent or gruesome death events”
That is my new band name.
Oh man.
Good info and well presented.
Thanks!
But i thought there is no crime in the states, dont people leave their doors unlocked and keys in the car and stuff, im confused now.
Thanks for making this video very HELPFUL
You're welcome!
Hey BeatTheBush, save the extra money and assume the paint has lead in it if it's from 1978 or older.
But what if someone can pay the real estate price in full? Or is there anything I need to know after the house is bought off?
Dredgen ThanatosEye
Hi, I'm no expert but I know someone who paid for their home in full and their property taxes were really high. I heard it was higher than if they had not paid in full. I don't know all the details or how accurate their understanding of the situation was, however, it's worth looking into before making a decision. I've wondered about this myself so I'd appreciate whatever info you can pass on as well. Good luck!
Actually you don't need a professional to test your lead paint - just take a scraper and take about 100g of paint and then put it in a plastic bag and send it in to a lab of choice to test for lead. Wash hands, scrub well. Done
I suppose you better wear lead safe mask when digging out the paint.
You could always add extra safety but you really don't have to it's not really airborne if you are just chipping it off or peeling it off... better safe than sorry!
Glad I don't have to do it.
My family bought a house was around 800k it was really nice and.... Don’t do the same because we found out the house had lots of problems with it.
I bought house really bad condition ,need new roof , floor , appliances , kitchen cabinets , AC , furnace,water heater .....oh boy ,I paid 215 k but the same house around sell for 275 ,285 k so I will spend 30 k ,35 k the house total will be 245k ,250k so I will have 35k in equity after the renovation .
Ha! That's great! It's like you did some sort of house flipping there. You did spend the time to upgrade it so you might have to factor how much time you spent doing it. Also, you wont realize the gain unless you sell it but still great to live in since you picked it up for cheap. =D
BeatTheBush yeap ;) thanks for u videos my friend .
Don't forget to factor in realtor commissions and other costs for each transaction. Sounds like you will still be way ahead though.
Also check if they have dogs because I have a dog and he doesn't care about people and he's a really quite dog but my neighbors dog is the opposite of mine and always barking 24/7
Thanks for videos like this it helps so much.
You're very welcome! =D
Great detail video. Thanks.
Awesome tips - thanks man
=D
Yep, great tips... Make sure the house is not on a falling cliff or near an erupting volcano!
no, seriously, good tips, thx.
Thanks!
Good info bro
Thanks! =D
You are so awesome and helpful. Thank you so much for answering my questions and uploading this video like like like like 👍👍👍👍👍
What the heck. How come your name turned inside out? Yes, this video was made partly from your request. =D Glad you saw it! =D
Great video thanku very informative
Thanks for the info, It really helps,
=D
Do a video on how to buy a house. I have my down payment , my income is low but i live frugal and dont need much. The lenders tell me i dont make enough or havent been at full time status long enough
Here is the video: ruclips.net/video/FeOdtpftr90/видео.html
Please do a video on California's Prop 13. Noting that no reassessment is due if property is transferred due to divorce or if house is gifted to child. One thing I wonder about is if two straight single men are looking to buy/sell house, would it fly if owner marries the buyer and then divorces him and gives him the property as a settlement..hence no reassessment? There would be, of course a "loan" that would be secured by the house. My question is.. Would they be making a mockery of gay marriage?
I kinda enjoy freeway noise.
Hmmm... if you hear the noise, you're breathing in the pollution too though.
Liked the video
Please do a video do and don't before buying house
You mean what to do to buy a house? I mean I guess this video is full of 'don'ts' really.
I like the intro!
Thanks! =D Hum, thank you for drawing my attention to this. I think it dropped off somehow. I've added the links and should be there now.
Wow you know so much i many questions lol
=D
Great tips!
Thanks!
BeatTheBush: good video and you may want to add something in regards to older homes or historical homes like the ones on the East Coast; most of them have asbestos siding. I've been researching the health and safety risks as well as what others have done when restoring old homes such as these. I'm still reviewing but here are the links to National Home Inspectors and the US EPA so others can research on their own. NHI link: www.nachi.org/asbestos.htm and the US EPA link: www.epa.gov/asbestos
"feel the shaking"
You say that as they use a jackhammer two houses down
Lol... I can totally see that happening in the background. I need to live somewhere more remote. =D
So my questions is my credit dropped from 660 to 596. How long will t take to bring it to previous credit score from last time ?. And how to raise it from 660. Still paying off car loan
You can try the boosting trick but it only temporary here: ruclips.net/video/LyBjciz4-zg/видео.html Or you can try the creidt builder loans I recommend here: ruclips.net/video/RNXutBGAnlM/видео.html
question regarding variable interest, for 1/7 arm for example, if I sell the house within 7 years, does it make sense?
My professor just said most people paying off the auto loan first, and then housing, because we all need the car to get to work.
Usually the auto loan has a higher interest rate and so it's the first to go. Plus the amount is much lower than a home mortgage so its easier to tackle.
I though auto loan has lower interest rate; the people with good credit can get 1.99% easily.
Only to get you to spend money now. I suppose it's also a smaller amount so it's easier to pay off as well.
Awesome Video! :)
Thank you!
Location...location..location
Yeah very true. I guess some of the items I pointed out relates to location such as railroads, freeway, gas pipelines, etc. Another one is schools for kids or just for home value wise but that's a bit more obvious.
I like your sensible thinking..maybe someday we'll "yum cha" and talk finances
I am ponder staring something in the bay area. But really not too sure about the interest. Maybe later.
Can you please clarify #6 for me? Is that a personal preference kind of thing ( I don't believe in ghosts :) ) or is there some sort of a risk involved?
Ahhh yeah... lots of people prefer to not have that.
When a coroner is called to clean up a gruesome event, they have a whole process to ensure biohazards are addressed. Many people don't consider the mess and expense they leave behind when they choose to commit a messy "opt out of life"; it saddles their families with a lot of trouble even if they didn't intend to.
But yeah, the point is that the house itself should be safe. Just look for any signs of mould or staining that implies an incomplete clean-up.
Get title insurance check for any liens.
Yes.
What state do you live in?
I would rather buy the home outright.
How about plumbing issues?
That's a good point. You need to check it flushes well! But something almost backed up is hard to tell.
What if the sex offender is selling the house?
It depends if after you arrive, if there will be close by neighbors who are sex offenders.
always talk to neighbor!
Agreed
What about signal?
What?
do you own or rent?
I have not share this yet. Saving this for later.
Ah, lol! That means yes! Looking forward to the video. 😀
What's a good website for the accounting map?
There's no central website and changes depending on how up date your county is. Start with the city website.
Rare roads.
i bought a house right near train tracks and my house shakes but i dont give a fuck lol ive had it for 5 months and i can make 40k off it already woo i live how fast houses go up but a bit of coin in it and bam get it back woo
Number 5 is ridiculous cause there is a lot of ppl with criminal records thats the most dummest thing I ever heard.
Sure but don't live near certain ones.
00:57 Lead paint? Why don't you just google it?! :P
Lol, good thing I'm not telling people to google it. I try really hard.
Trains are better for the environment than semi trucks. Just saying
Cool.
Sex offender check! I'm hollering
We are Asians. Death in a home is some scary SH*T! We are a superstitious bunch, yes! Lmao
I'm freakier than any sex offender. Lmao
Yeah? Ok.
Not so concerned about sex offenders provided I got a good price and I do intend to have children. Watch out for the boogy man!
Yes. Watch out.
They changed the law they no longer have to identify sex offenders in most neighborhoods because that's discriminating and violating perverts rights .
I see. I saw that map not too long ago.
@@BeatTheBush if you are concerned about sex offenders in the neighborhood, you should go deeper into why the individual ended up in that list. Sometimes they are there for legitimate reasons and sometimes not. Sometimes certain people should be on the list but aren't.
Details! Details! Details!
let's be real here, there's sex offenders are everywhereeeeeeee. I checked the online map where they are all listed, every single city, every single neighborhood. One major good reason to properly own a gun and protect your home and family.
I think sex offenders might not go around attacking everywhere? But accidental temptations exists.
What is your day job? We'd love to know!
I'm an engineer. That's all I've given out so far. Looking to elaborate on this when I worked up enough courage in the future.
dpodsful Funny how we all want to know, including myself. I feel like I have a good idea, but honestly, you, (BTB), are quite intelligent & can master anything. Anything! Not trying to flatterer you. Just being honest. BUT, that being said, You don't owe us any personal information whatsoever. Share if & when you're ready. Even if you don't share, that's your right to privacy. I think a little mystery is a good thing. Keeps people interested on another level. Just an added plus to your excellent content. Your #'s are growing. This is a great launching pad/platform in case you decide to branch out & incorporate your other gifts & talents.
Please add sea level rise to your list.. It is estimated that 2.3m for every 1o Celsius of temperature increase worldwide, but it varies on location, such as Alaska with higher risk due being close to glacials en.wikipedia.org/wiki/Sea_level_rise
That's a really good point! Ha!
I'll pay attention to that once Al Gore takes his own advice and moves away from the ocean.