{"id":7055409,"date":"2026-09-03T03:54:30","date_gmt":"2026-09-03T03:54:30","guid":{"rendered":"https:\/\/peraltafinancing.com\/uncategorized\/how-to-complete-your-due-diligence-as-a-homebuyer\/"},"modified":"2026-09-03T03:54:30","modified_gmt":"2026-09-03T03:54:30","slug":"how-to-complete-your-due-diligence-as-a-homebuyer","status":"publish","type":"post","link":"https:\/\/fivemor.com\/?p=7055409","title":{"rendered":"How to Complete Your Due Diligence as a Homebuyer"},"content":{"rendered":"


\n<\/p>\n

\n

Order a survey<\/h3>\n

A survey<\/a> is a map of your property that shows its boundary lines along with any easements. (Easements refer to someone else\u2019s usage of the land.) Surveys are generally only required if you\u2019re looking at a rural property or significant acreage. With larger properties, however, they can be important because the exact coordinates of the survey will be listed on the deed.<\/p>\n

A <\/span>survey<\/span><\/a> won\u2019t be required by most lenders if you are looking at a non-rural property in most states; instead, they will rely on your title insurance. But on larger properties, you may be required to get a survey to obtain financing, and if there\u2019s any discrepancy (for example, a <\/span>neighbor\u2019s fence<\/span><\/a> encroaching on the property), then it might need to be resolved before you can close on your mortgage loan.<\/span><\/p>\n

Understand any zoning laws<\/h3>\n

Ask your real estate agent to find out if there are any zoning laws that pertain to the property.<\/p>\n

Sometimes zoning will prohibit certain types or numbers of structures, such as mobile homes or sheds. Sometimes zoning laws dictate rental capabilities or the types of animals you can have on the property. Sometimes zoning laws prohibit the parking of certain vehicles or trailers. Make sure the zoning requirements work for your lifestyle.<\/p>\n

Conduct public research<\/h3>\n

Pagano says it\u2019s important to check with two local government departments: the <\/span>planning department<\/b> and the <\/span>building and safety department<\/b>.<\/span><\/p>\n

The planning department can tell you whether any planned establishments could affect your home\u2019s value (such as a jail or waste management facility).<\/span><\/p>\n

The building and safety department can tell you which permits have been pulled for the property. Permits will show that any <\/span>updates were done correctly<\/span><\/a>. They will also show if there have been any fills or cuts in the land, which could be important if you plan to add on in the future.<\/span><\/p>\n

Consult a construction professional if you have any questions about the home\u2019s permits.<\/span><\/p>\n

Check the home\u2019s flood zone status<\/h3>\n

Check to see if the house is located in a FEMA flood zone. You can do this by looking up the address on the documented FEMA maps.<\/a> Most of the time, a FEMA flood zone is determined by elevation from sea level.<\/p>\n

If the home is in a FEMA flood zone, you\u2019ll need flood insurance. This is a separate policy that costs between <\/span>$1,000 and $2,000 per year<\/span><\/a> on average, depending on location. Your insurance agent can help you obtain flood insurance, which is underwritten by FEMA.<\/span><\/p>\n

Secure homeowners insurance<\/h3>\n

It\u2019s best to get at least three <\/span>quotes for <\/span>homeowners insurance<\/span><\/a>. Your real estate agent and other homeowners in the area may have recommendations.<\/span><\/p>\n

When comparing insurance quotes, be sure that the coverage limits and deductible amounts match on each quote; that way, you can properly determine which insurance premium is a better value.<\/p>\n

Talk with each insurance agent about which coverage options are best for your situation. There may be certain natural disasters in your area that they recommend coverage for \u2014 earthquakes, sinkholes, hurricanes, and so on \u2014 which might require specialized terms.<\/span><\/p>\n

But it\u2019s also important not to be over-<\/i>insured. Look at the dwelling coverage and make sure the replacement cost value seems appropriate. Replacement cost is usually higher than market value, since it figures in the possibility of rebuilding the house completely new from the ground up.<\/p>\n

Consider the amount of your liability coverage<\/h3>\n

Your liability coverage is designed to protect you and your home in the event that someone sues you for injury. Given the cost of healthcare in the United States, obtaining a reasonable amount of liability coverage should definitely be a part of your due diligence to ensure you feel it\u2019s sufficient to cover potential claims.<\/p>\n

Talk to your insurance agent about the liability coverage that\u2019s best for your situation.\u00a0<\/span><\/p>\n

Get yourself some title insurance<\/h3>\n

Title insurance should be a top priority as you\u2019re doing your due diligence. The title company will conduct a title review<\/a>, which is designed to uncover any heirs or outstanding liens before you purchase the property.<\/p>\n

But a title review is not always comprehensive. If the title company misses something, <\/span>title insurance<\/span><\/a> protects <\/span>you<\/span><\/i> from fighting the ensuing legal battle.<\/span><\/p>\n

Pagano encourages all her buyers to take their due diligence seriously.<\/p>\n

\n

\u201cIt\u2019s better to take the time now than to have regrets later. A house isn\u2019t something you can just return to the store!\u201d<\/p>\n<\/blockquote>\n

Remember, you don\u2019t have to go through this due diligence process alone. Your real estate agent<\/a> is there to help every step of the way. Once you\u2019ve completed your due diligence, you can rest assured that you\u2019ve done everything possible to make your home purchase a success.<\/p>\n

Header Image Source: (sutadimages \/ Shutterstock)<\/em><\/p>\n<\/div>\n\n","protected":false},"excerpt":{"rendered":"

Order a survey A survey is a map of your property that shows its boundary lines along with any easements. (Easements refer to someone else\u2019s usage of the land.) Surveys are generally only required if you\u2019re looking at a rural property or significant acreage. With larger properties, however, they can be important because the exact […]<\/p>\n","protected":false},"author":1,"featured_media":7055410,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[156889,217796,217797],"tags":[3037,14379,11224,79513],"dealstore":[],"offerexpiration":[],"class_list":["post-7055409","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-buyers","category-final-walkthrough","category-making-the-offer","tag-complete","tag-diligence","tag-due","tag-homebuyer"],"yoast_head":"\nHow to Complete Your Due Diligence as a Homebuyer - Som2ny Network<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/fivemor.com\/?p=7055409\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How to Complete Your Due Diligence as a Homebuyer - Som2ny Network\" \/>\n<meta property=\"og:description\" content=\"Order a survey A survey is a map of your property that shows its boundary lines along with any easements. 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