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The EPA on Home Safety - Reducing the Risks


 

Joe Gonzalez
Branch Manager
1st Metropolitan Mortgage
Phone: 610-351-7510
Fax: 610-351-7810
jgonzalez@1stmetro.net
http://www.joegonzalez.net/
 

Don't wait for a discerning buyer to find faults in a listed property. The EPA website (http://www.epa.gov/) has tons of useful information on possible hazards in a home, and you should at least check the following conditions as part of the listing process.

Radon Gas - In January of 2004, the HUD home inspection form for FHA loans (HUD 92564-CN) was modified to include information on radon content in indoor air. This form (updated again in June of 2006) is mandatory for all FHA-insured mortgages, which means a good portion of buyers may request a radon inspection as part of the home inspection process. To find a radon service professional, visit http://www.epa.gov/iaq/whereyoulive.html

Asbestos - Asbestos may not be easily identified, so consult with a professional if you are unsure about a material in a home. The Environmental Protection Agency says that "Usually the best thing is to LEAVE asbestos material that is in good condition ALONE." If buyers have concerns, refer them to www.epa.gov/asbestos for current information on asbestos risks.

Lead-Based Paint - If a home was built before 1978, there's a chance that lead-based paint was used. If the paint is peeling, that is not the only danger to be concerned about. Lead-contaminated dust and soil can also pose serious health risks to children and pregnant women if inhaled or ingested. Make certain the buyer knows if there is lead-based paint in the home, and remind them that removal of lead-based paint, if done incorrectly, can result in lead-contaminated dust being released into the air. Visit www.epa.gov/lead for more information.

Smoke Alarms - Know your state's smoke alarm laws by heart! Some states require one smoke alarm in each bedroom, plus a detector on each floor. Make sure your sellers' home complies - the last thing you want is a delay in a purchase for something as simple as smoke alarms!

Be sure to do your homework as there may be risks specific to the region where you live, such as California's earthquakes or Florida's hurricanes, that mean regional laws to follow.

Call me when you have a client who needs special assistance in obtaining their next mortgage.




For help or questions contact:

Joe Gonzalez

Senior Loan Consultant -  NMLS #126036
GMH Mortgage Services, LLC
625 W. Ridge Pike, Building C, Suite 100 | Conshohocken, PA  19428 | Direct: 610-355-8039 |  Cell: 610-739-6563

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