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Granite Inspection Group

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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

Granite inspection group provided a fair, detailed, highly actionable report of findings, and risk areas. I highly recommend their team, easy to work with and communication was great.

Paula Blomquist   

Granite Inspection really came through for us! Due to some careless things our builder did, there were several obstacles and challenges to installing a radon mitigation system in our home. After two others had shown up and failed to help us, I was losing hope. Then I called Granite Inspection, and I wish I had called them first! Michael is knowledgeable, professional, and friendly. He got the job done, no problem. I highly recommend Granite Inspection.

Julie Gonzalez   

This company is awesome. Very Very professional. Totally happy with their performance. I will definitely use them again in the future if the need arises.

David McPartland   

I have been through several home inspections for prior purchases and after each I found out a lot of details were missed. Fast forward to my latest experience with Michael @ Granite Inspection. All I can say is WOW, never have I had a such a thorough, well informed, detailed inspection. Michael spoke and explained to me as someone who genuinely cared and literally gave me a brain dump in person and in his report about the house, all the good, bad and ugly, he held nothing back. He really wanted to ensure that I was in a position to make a well-informed decision. I don't usually write lengthy reviews, but Michael has saved me from a very costly mistake. Truly appreciated his objectivity and professionalism.

Marlyne Bennett   

Granite inspection was wonderful to work with. Michael installed a radon mitigation system in our 150 old house and he did a wonderful job. He was always clear, concise, and friendly. Would highly, highly recommend. Thank you so much!!

Kristin Luks   

Micheal was amazing and very informative! I appreciate his hard work especially by himself. Lisa was very helpful and so polite over the phone. Would definitely recommend for services.

Ashley F   

We had to have a Radon Mitigation system installed in our house. Started by looking at the NY State's website for Certified Radon Mitigation Contractors. Narrowed the search down to those who are Certified Radon Testers at Dutchess County (currently there are 4). We chose the Granite Inspection Group because of their qualifications listed on their business website.
Contacting them and scheduling for a Radon test was very easy.
Michael and his wife Lisa are very friendly, pleasant, and more importantly very responsive and professional. After the test and the evaluation, we received a written estimate regarding the cost of the installation of the Radon Mitigation system.
The installation and subsequent evaluation (re-testing) of the Radon Mitigation system was flawless. Granite Inspection Group did an excellent job. As a retired engineer I appreciate their professionalism.

GTM   

With basement radon levels between 19 and 21, I contacted Michael. He installed the radon mitigation system in one day. The result is astonishingly successful: the average is now around 0.35, well below 1, and our house is now virtually free of this carcinogenic gas. Michael is thoroughly professional, knowledgeable, and a pleasure to work with. The results speak volumes.

Garry Hagberg   

I used granite inspection for my home inspection and the gentleman that was there doing the inspection was very knowledgeable and easy to work with. Gave a full break down of what was needed and what needed to be done. Very professional service from beginning to end .Will highly recommend to anyone

Michael Roman   

We used Granite Inspection when we purchased our current house and had them carry out an inspection for a property we recently had an offer accepted on. Michael provided a 108 page report. Thorough, professional and invaluable. Simply put, we would not have anyone else inspect a property.

Claire Bracken   

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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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