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Granite Inspection Group

Inspecting the Unexpected

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The Real Estate Transaction?

Whether buying or selling a home, this can be one of the most stressful events in your life. No one likes a surprise during a real estate transaction. But the reality is…. it can happen!
Before you buy a home or if you are thinking of selling your home, you should have it inspected by a qualified licensed inspector. This is done to make sure that there are no defects, health or safety issues or environmental concerns present that you might not discover until after the home is already yours or at the time of selling.

In New York State an inspection is not required or mandated. It is a ‘Buyer Beware State”. Exactly a Buyer Beware. So why would you not want to have a professional, non-biased, independent review and inspection of possibly the biggest investment in your life, your home. It is always in your best interest and good due diligence for you and your family. The cost of an inspection can be priceless vs not having one.

  • Hiring the Right Inspector!
  • Tips in Hiring the Right Inspector!
  • What is the Role of the Inspector?
  • How can the Inspection Report Help and Protect Me?
  • Why do you need a Real Estate Attorney?
  • What is the role of a Real Estate Attorney?
  • Select an Attorney who represents your Interest!
  • The Real Estate Contract?
  • What is a Property Disclosure form?
  • Title Search and Insurance?
  • The Closing!

Hiring the Right Inspector!

An inspection by a licensed home inspector costs several hundred dollars. In return, the inspector will carefully evaluate the entire home you want to buy or sell and is required to provide you with a detailed written report and photos to support findings. Private organizations such as the American Society of Home Inspectors maintain standards of practice for home inspectors and can help you locate one in your area. In New York State you can go to the Department of Licensing Bureau and locate a licensed inspector.

Tips in Hiring the Right Inspector!

This may take some time, effort and research on your part, however it is worth it! Here are some great tips to help you in your quest:

Ask your attorney – he/she, is also here to be of service to you and to have your best interest in a Real Estate transaction and have probably seen countless reports!

Ask friends and family who may have bought or sold a home recently for names of the inspectors they were happy with…or not happy with?

Is the inspector licensed and insured – check with the NYS Licensing website to ensure they are in good standing.

How long have they been an inspector, are they full-time or part-time?

What is the Role of the Inspector?

Is to perform and in depth, non-biased review of the building, its systems and overall conditions. To identify any material defects, health or safety issues and concerns as well as identify environmental issues.

This is not a building code inspection….that is done by the municipality when it was built and when permits were issued and closed – this is to satisfy the town / city.

This is not an appraisal… the inspector is not here to tell you what the home may be worth – this is to satisfy the Bank.

And this is not a Bank inspection…were they are concerned about a limited number of items on a case by case scenario – this is to satisfy your mortgage lender.

This inspection is for your peace of mind, perceived value, health and safety. However, failure for not having an inspection performed could leave you with costly repairs, replacement or significant health and safety issues or concerns. Always Inspect…Before You Invest!  This inspection is to satisfy YOU!

How can the Inspection Report Help and Protect Me?

The inspection report may disclose a number of defects, safety issues and concerns and even environmental issues. The report is generated by an independent third party who has no vested interest in the home but, you as a client. The report can aid your attorney in helping you make an informed decision, items for negotiation and identify items for contract revisions as needed or required. This can be a priceless tool for you and your attorney.

Why do you need a Real Estate Attorney?

The purchase or sale of a home can be one of the largest financial transactions that will occur during your lifetime.  The significance of protecting you, your family and your investment should not be underestimated.  The moment you decide to proceed with the purchase or sale of a home and until such time that you have become the legal owner of a home, there can be a number of important decisions you might have to make which need legal guidance and could have legal consequences.

What is the role of a Real Estate Attorney?

The attorney’s role in a Real Estate transaction is multi-faceted and can include a number of tasks including consultation prior to preparation or signing of the contract, contract review, preparation of closing documents, title search and be chairperson of  the closing and recording of the deed and mortgage.  This is done in coordination with the Buyers, Sellers, Realtors, and Lenders.

The following is a brief summary of the different aspects of your transaction and how your attorney may assist you.

Select an Attorney who represents your Interest!

Choosing an experienced Real Estate Attorney is especially important in the purchase and/or sell of a home.  If you are paying the attorney fees, you should select the attorney of your choice to insure that your interests are being properly represented.

The Real Estate Contract?

An Offer to Purchase or a Contract, are very important documents and should contain all of the terms involved in your purchase and/or sale.  This could include the purchase/sale price, monies down at signing of contract, method of payment, location of property, closing date and any contingencies relating to the purchase of the home and also include an Inspection clause.  You should always read the entire Contract or Offer to Purchase carefully before signing it.  If you have any questions concerning the meaning or effect of any portion of the proposed contract, you should consult your attorney before signing it.  The Contract is a legal document and is binding with all parties of the seller and buyer.

What is a Property Disclosure form?

New York, requires sellers to provide buyers with state-authorized forms before the purchase contract is signed. These forms list various items, such as electrical and heating systems, and require the seller to reveal any known problems.

A properly filled out Property Disclosure form is not a substitute for hiring your own inspector.  An example of a form can be found at this link :  https://www.dos.ny.gov/forms/licensing/1614-a.pdf

 Title Search and Insurance?

A title search is an in depth search of the public records in reference to the property you are interested in purchasing and/or selling.  The search is for items like is the property clear and free of any claims, unpaid taxes, judgments, outstanding mortgages, liens and deed issues. Upon the title search results your attorney will report to you and the lenders what has appeared on the public records.

Title insurance insures you against inherent issues or concerns with the real estate title.  That may not be apparent from the title search.   This could include clerical errors, heirs or forged deeds.  Your lender may require that you protect its investment with title insurance, as you may also do, as owners.

The Closing!

The big day is now here!  The attorney is usually responsible for preparing all necessary closing documents, scheduling the closing, explaining all the closing documents and having them properly executed and recorded.  You should receive copies of the closing documents and all monies paid by you and/or on your behalf.

The above comments are a brief and very general introduction to a typical Real Estate transaction and some of the participants involved.  In no way, in part or in whole is this legal advice.
 If you have any questions, you should contact your attorney.

 

 

 

 

 

 

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Testimonials

Michael answered all of my questions. The installation was successful and was completed in a professional manner. I am very satisfied with the radon system!

Ann D. Schwinger   

Michael is very professional, and knows what he is talking about. He takes the time to explain things in layman's terms so you understand the situation. He is the brains, and the brawn in the organization. Not only did he inspect our system, and provide a repair estimate, he was the person who showed up to do the dirty work. He also worked with me to let me do some of the demo myself in order to save costs.

I will use Michael for any inspection or radon needs going forward.

David Snider   

Granite Inspection group team member"Lisa" provided great customer service from the very beginning of scheduling our Inspection appointment. She was a pleasure to speak to, very informative and caring about our needs and schedule availability. She scheduled us with Michael Christophides "Inspector" who also provided great inspection services for the purchase of our first home. He was on time for our appointment, very patient and informative and took his time to explain all repair recommendation findings. Granite Inspection group made our inspection process a great experience!! We will definitely, recommend their services to our family and friends.

Pamela Santana   

I am very pleased with the customer service I received from the Granite Inspection Group. Throughout the entire process, they took the time to educate and support me and my family. They were knowledgeable and understanding. They were professional during every interaction. I highly recommend their service.

Artie Ferraro   

Lisa and Michael are wonderful! Lisa was great at providing information about the service and what we needed to do to get started- she even stayed late to make sure we were able to touch base with each other. Michael arrived for the appointment- he was very knowledgeable and explained in full detail how the system would help us, how it would be set up, and was very interested in our input. We had such a great experience with this group and would highly recommend them! Have your home tested!

KERRY DICKAN   

When we first learned that we might have radon in our home we were scared. We asked around and researched many different companies and finally decided to contact the Granite Inspection Group. From the beginning when we were just looking for information through the entire process they took the time to answer our questions. They were knowledgeable and understanding of our particular situation. They didn't try to "sell us" instead they were real down to earth people who genuinely wanted to educate and support us.
We would highly recommend this company to anyone who is interested in doing what it takes to keep their family safe.

Aubree F.   

Mike goes above and beyond to make sure that he provides the best service for his clients. He is extremely thorough, knowledgeable, and explains his findings very clearly. I highly recommend Mike if you are looking for a home inspector.

Christopher Torres   

Michael came over after a tornado sent a pine tree crashing through my roof. Michael came over and explained the testing process and what needed to be done to maximize the testing results. Once the roof was repaired. Michael suggested ways to minimize the possibility of water penetrating the building which I completed prior to testing. Michael completed testing and we the favorable report shortly after.

I highly recommend Granite Inspection Group for the thorough inspection, testing and education. Michael, thanks for all the advice and pearls of wisdom.

Louis Cordero   

This is the third time I used Granite Inspection Group. I could not be happier with them. They’re very knowledgeable and always go above and beyond.

I highly recommend them. I would give 10 stars if I could.

John Chianfagna   

I recently hired Michael to help me with radon level testing and remediation services. He was very punctual, responsive, and knowledgeable. I appreciate his approach. I would absolutely recommend him for others to hire him if you need his service. Thank you! Bini

Bini T.   

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Granite Inspection Group
Phone: 845-635-2552
Email: michael@gigrp.com

Service Areas

Service Areas Include, But Not Limited To:
Dutchess County- Poughkeepsie, Fishill, Pleasant Valley, Lagrange, Hyde Park, Hopewell Junction, Wappinger Falls, Rhinebeck, Beacon, Millbrook, Red Hook, Dover, Pawling
Putnam County- Carmel, Mahopac, Brewster
Orange County- Newburgh, New Windsor, Wallkill, Chester, Middletown
Ulster County- New Paltz, Highland, Kingston, Saurgerties
Rockland County- Monroe, Nanuet, Pear River
Columbia County, Green County, Westchester County and beyond

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