Profile picture for Hello08

Is it safe to buy a house without a inspection?

 The bank wants the buyer to buy the house without any inspection and "As is"
  • July 20 2011 - US
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Answers (14)

Profile picture for secondshiftshepherds
Ten years ago i bought my house w one year warrenty,but no inspection!bad choice!!!If I ever buy anything again,no inspection,no sale!
 
  • September 14
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I would never advise a buyer to purchase a home without a home inspection under any circumstances. In most states selling a home "As Is" does not mean you can't have a home inspection it simply means the seller is letting you know in advance that they will make no repeairs to the home. This may or may not be the case in your state. Good luck!
  • July 25 2011
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Okay, I get this question a lot. For most people a home purchase is the largest purchase they will ever make. So it is beyond highly recommended that you get a home inspection from a reputable, licence inspector. The cost of a home inspection may seem like an added expense but is worth its weight in gold. A home inspector can give you details about the homes condition that can give you a lot of power. You can sometimes renegotiate the sells price if the condition is less than acceptable (as long as you are in your option period- with in reason- your agent should be,  able to walk you through your options), or you could request the seller fix those items, or if it truly is an as is sale then it will give you the option to back out. Please note that different banks have different verbiage on what items you can back out for, and what items are required along with specific time frames. You must follow the specific instructions laid out in the contract.  
  • July 23 2011
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Never, never, ever buy any property without having it inspected. I mean NEVER!
  • July 21 2011
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Never ever ever buy real estate without having it inspected by a professsional licensed home inspector. It is the cheapest insurance policy you can buy.  I have had many surprises in my real estate experiences, and there are, on occassion, things that you cannot see or expect.  It makes no difference if it is an 'as-is' purchase or not.  As-is just means the seller will not do any repairs - but, you need to know what is wrong with the oproperty, if anything, so that you can make sure you are making a wise investment.  If anyone ever recommends that you don't need a home inspection, run quick.
  • July 21 2011
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Profile picture for marianne80
So, I am totally new to this, but I put an offer on a short sale house which is "as is," but we needed to do a home inspection... and although it's "as is," we did the inspection so that we could know if there were any problems that would be WAY too costly for us to fix, and termites, and things like that. Gave the chance to reduce our offer if we chose to also. 
So for those reasons I would see if there's any way to get an inspection! Maybe they think you wouldn't buy it for some reason after the inspection... even if it's as is, that just means that you can't ask for them to fix anything I thought... so that's just my 2 cents
  • July 21 2011
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Profile picture for Rushel Reed
It looks like you have your answer, judging by the consensus below.  Have it inspected!  The money spent on an inspection can save you loads in unforeseen repairs later.  

Even through a bank is selling a house "as-is", you still have not only the option of inspecting (it's a shady deal if the bank refuses to allow and inspection), but you may also attempt renegotiating the purchase price based on what you find out.  
Good Luck!
  • July 21 2011
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Profile picture for Michael Helton
The property is probably an REO?  It means the bank is not going to do any repairs as the result of an inspection.  However, ALWAYS get an inspection done for yourself or your clients.
  • July 21 2011
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If the seller won't let you inspect, look elsewhere.  I specialize in properties being sold by estates in probate, which by law in California are always sold "as-is."  Although they're sold as-is, the requirement to disclose problems and to allow inspections still exists.  Walk away from any property you can't inspect.
Youu question is unclear, however, about whether or not the bank will not allow an inspection or will not allow an inspection contingency.  If they won't let you inspect, walk.  If they won't allow an inspection contingency, your agent should be able to use other contingencies to get out of the deal if the inspection reveals flaws you don't want to deal with.

  • July 21 2011
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Hello08, I agree with the others that you should not buy a house without an inspection.  The seller would be foolish to prevent you from doing an inspection for liability reasons. 

"As-is" means the seller will not do any repairs and is selling the house in its current condition.  However, if you find some major issues or repair costs are too high (i.e. foundation problems), you can ask the seller for concessions (i.e., reduction in sales price, credit towards closing costs).  The seller does not have to agree to the concessions, but it usually doesn't hurt to ask.
  • July 20 2011
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Typically banks will sell their homes 'as is' but it's rare that they would prevent you from doing an inspection.

I would never buy a home without having it inspected.
  • July 20 2011
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Profile picture for EcoWhale
There are too many HUGE things you can miss: Foundation cracks, roof problems, septic problems (possible illegal septic), property line problems, etc.
  • July 20 2011
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Profile picture for EcoWhale
No, that would be like buying a car without it ever being inspected.
  • July 20 2011
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 You Shouldnt Buy A House Without One. Home inspections are done after your offer has been accepted. Generally, you make an offer contingent on the property passing its home inspection. Basically, the home inspection is to protect you and the seller in case there happens to be something wrong with the house. It should give you a good idea of what you are about to purchase, what problems you may encounter, and allow you time to negotiate the sales contract with the new information that you have gained about the house.
  • July 20 2011
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