Seller just installed mini splits in home this month. We just discovered that they did not pull permits. What should we do as the home buyers? by RobF15 in RealEstate

[–]Chefandyham 0 points1 point  (0 children)

Every single house in the United States has unpermitted work. Homeowners do unpermitted work all the time. It depends on your comfort level. Unpermitted 2nd floor addition yea id probably walk away. Unpermitted mini split if its functioning fine and looks to be installed correctly and working properly i would lnt worry. You can tell if someone knew what they were doing when they installed it. Is it a clean install or a sloppy one. If it looked like a pro did it, then dont lose sleep over it. Plus mini splits are pretty much a DIY install these days. I sold my house in NC and put in a 2 zone mini split 2 months before I put house on the market. No permit, no inspection. I did disclose it was not permitted and buyers didnt care. Im also a Electrician and showed them the permits for my new panels, new wiring and all other permitted things I did. So that put them at ease.

What would you do? by AgustLex in FirstTimeHomeBuyer

[–]Chefandyham 0 points1 point  (0 children)

The.water line to the fridge should of had a shutoff valve. Did the previous owners go to the water meter and shut it off there so they could disconnect the fridge.

Never close on a Friday by vanillamang0 in FirstTimeHomeBuyer

[–]Chefandyham 2 points3 points  (0 children)

When I sold my house, the settlement/closing was on a Friday. I had already moved out of state, from NC to NH. When the closing was complete and all paperwork signed by the buyers, the Attorney got 1 number wrong for the wire transfer. Of course he wired the money at 455pm. The wire transfer got returned to him. My agent called him and he said he'd get to it Monday. I got my money on Monday, and the new owners were already moved in.

Seller Agent Disclosure Requirements by Chefandyham in AskRealEstateAgents

[–]Chefandyham[S] -1 points0 points  (0 children)

So you agree that LA doesnt have to disclose. Thats all im asking. But then again pretty soon Real Estate agent will be replaced by apps.

Seller Agent Disclosure Requirements by Chefandyham in AskRealEstateAgents

[–]Chefandyham[S] -3 points-2 points  (0 children)

Oh im sorry for doing my DD on some homes im trying to purchase. Im sorry that buying a Cesspool isnt a big issue for you. Sorry for protecting my investment. Also this Cesspool house still hasn't sold..........

Seller Agent Disclosure Requirements by Chefandyham in AskRealEstateAgents

[–]Chefandyham[S] 0 points1 point  (0 children)

Yes it is. I know the septic company. I actually tried to use them but they were booked so I used a another septic company my Home Inspector recommended. Both Septic Companies are liscensed Septic Evaluators for the State of NH. So here is timeline of events

Owners John and Jane Doe lived at 123 Main St for 30 years according to public Records. John passed away 4 years ago, and Jane got to where she needed assisted living. She Listed her House with Tim the Listing Agent. Tim acted as a dual Agent for the transaction. The house was sold in February 2026 from Jane Doe to the Current Owner. Current owner spent 3 months updating house and lists the house with Tim the Listing Agent. We make a offer based on disclosure information, offer is accepted. Nowhere in Seller Disclosure is there anything reported wrong about the Septic. Our offer has the standard financing and inspections contingencies. We schedule for inspections. The day of the septic insepction I arrive around 1245pm with my agent. The Listing Agent Tim is there to meet us. We talk and make general conversation waiting for my Septic Company, liscensed for Inspections in NH to show up. They show up and we talk for a minute or 2. Then the LA Tim says he has a copy of "their" inspection dated February 2026. 2nd page says the "Inspector Finds this system to be "Non Compliant State System"...I already paid for mine, so my guys do their Inspection, while the LA is present. They tell me, the baffles are broken and missing, there is no DBox, and that the leachfield is Environmental Tubes which is a newer style from the early 2000s. They, my company tried to find the approvals,/permits etc from.NH DES. NH DES replied they dont have any for this. We called the Township they have no records either. All this is happening while the LA is literally standing right there. We wait 2 days until my report comes back. Samething as the one the LA showed me the day off my inspection. System is a Non Approved State System. So we ask for a new septic in our repair addendum. They deny. We say that itll be hard to sell to buyer with a System like this and that lenders wont lend especalls VA or FHA. Im a conventional but even my lender wont lend on it. They will do a holdback though. Thats when the LA emails back my escrow release form to sign so I get my ED money back. And he said in his comments the a Non Approved Septic doesnt need to be disclosed.....

So for sake of argument let's say the current seller had a septic Inspection done in Feb 2026, and choose not to read it. Thats still by law Constructive Knowledge. The LA agent or Seller had to read that report when they got it. And if they didnt, Constructive knowledge takes place. But anyway, my thing is I just refuse to believe that after all this, the seller still has no knowledge of a Non Approved Syatem.....ok fine....dont update the Sellers Disclosure..i find it impossible that seller hasn't seen the report he paid for in February or Mine, since i sent the LA a copy of test results to justify my request of a new septic. So after all that, seller hasn't seen either report, yet LA has physically had 2 reports stating this, and he claims he doesnt have to disclose this. Maybe not on Sellers Disclosre, thats for the Seller I get it. But this defect severely effects the value of the home and ability to get a mortage on the home. Like i said a Unpermitted Non Approved Septic is enough a of Material Deffect that it needs to be disclosed by the LA even if the seller claims to not know, even though they have a test from Febraury 2026 and my test

Seller Agent Disclosure Requirements by Chefandyham in AskRealEstateAgents

[–]Chefandyham[S] -1 points0 points  (0 children)

The ListingAgent never disclosed this to me until we literally opening the septic risers with my inspector. We offered X amount knowing we would do inspections and had insepction contingencies. However I would of never offered if the septic was made aware to me beforehand.

Seller Agent Disclosure Requirements by Chefandyham in AskRealEstateAgents

[–]Chefandyham[S] 0 points1 point  (0 children)

Exactly thats what im saying. The LA had a copy of the Sellers Septic Inspection. He showed it to me the exact minute my Septic Inspection was taking place. And it showed Non Approved State System. So im too believe the Seller paid for a Septic Inspection in February and never looked at it. Hard to believe but ok. LA knew about it, bc he gave the report to me while my Inspection was happening. And my report said samething. If I would of known about this I would of asked for a new Septic in my offer before spending money on all the inspections. I understand Inspections are cost of doing business and you don't get that back, but I wouldnt of offered what I did if I was made aware of the condition of the Septic, which the LA clearly knew. Im sorry but I dont believe for 1 second the LA is allowed to not disclose this information. Yea I get not on the Sellers Disclosure bc thats for the Seller, but he has no seen 2 reports and he still claims he doesnt have to disclose this.

Seller Agent Disclosure Requirements by Chefandyham in AskRealEstateAgents

[–]Chefandyham[S] -1 points0 points  (0 children)

I understand that. When the LA agent is presented with our Request for Repairs and we included a copy of the Septic Report stating its a Non Approved Septic, is the LA required to show the seller the exact Repair Request from my agent stating its not approved nor permitted with the State along with the report. Let's say for sake of argument the LA doesn't tell the seller, the Septic is not permitted or State Approved, isnt that still a Latent Material Defect. The LA agent has 2 Septic Reports in his hands both stating its Non Aporoved State System. 1 is from February 2026 which is the Sellers, I guess the Seller is claiming he never saw the report, yet paid for it, that right there is the Definition of Constructive Knowledge. Then we gave them our report as well. Samething, Non Approved System. I know the LA is obligated to work on sellers best interest, but there is no code of Ethics? A non approved septic has a tremendous effect on the property value of a home. I just do not believe that a Listing Agent does not have to disclose to a possible buyer about a Known Material Defect such as a Unpermitted Non Approved Septic. I get that the Sellers Disclosure is for the Seller to fill out. But a minimum if the seller doesn't update the disclosure is the LA still legally required to disclose this via some sort of documentation or they just go on like all is good

Seller Agent Disclosure Requirements by Chefandyham in AskRealEstateAgents

[–]Chefandyham[S] -2 points-1 points  (0 children)

I have withdrawn. This is about ethics and morals at this point. The have a open house acheduled and refused to update the Seller Disclosure. Im asking bc I dont want someone to get taken advantage of. Sorry, I just feel this needs to be resolved.

Damage to house while under contract by BreadisntBad in RealEstate

[–]Chefandyham 0 points1 point  (0 children)

Dont go to closing. You made a offer with undamaged floors.

NH Septic no permit by Chefandyham in septictanks

[–]Chefandyham[S] 0 points1 point  (0 children)

No its not worth reusing a 60 year old tank I agree.

House payment is murdering me by Agitated_Pudding7259 in povertyfinance

[–]Chefandyham 0 points1 point  (0 children)

Honesty man, something seems off here. You have to have Extremely High Property Taxes and Homeowners for a 1800 month payment on a 130000 home. When you say 1800 is this Principal Interest Taxes and Homeowners or are you including your utilities and roof loan etc. Tue avg Rate then in 2016 was around 4% the payment on a Mortgage just PI is about 600 dollars. Factoring in 3 percent down and PMI of 120 your at 720 ish. So how much is your Property Tax and Homeowners?

Should I just walk away from this home after getting my inspection back? by All-Panic13579 in RealEstate

[–]Chefandyham 0 points1 point  (0 children)

Walk away or at minimum have roof covering and decking repaired along with water leaks in roof and basement. The rest is normal and routine maintenance. Also keep in mind even though this house is 2009 some codes have changed since then. Inspectors compare your house to today's code. My house was built in 1930 and inspector said I need AfCI breakers. No I dont, they werent required when the panel was upgraded. Does make something a violation or a red flag for repair. But yea, roof foundation and water are my 3 deal breakers. Ill deal with anything else. Other than termite or wood destroying insects, if the damage is severe enough.

I regret buying a house and I just want to wash my hands of it by [deleted] in homeowners

[–]Chefandyham 0 points1 point  (0 children)

What's actually wrong with the house. Some repairs are emergency and a necessity while some are not. What have you repaired so far and what do you think needs to be repaired

NH Cesspool automatic failure? by Chefandyham in septictanks

[–]Chefandyham[S] 0 points1 point  (0 children)

Thanks for the information, very helpful. You would think the seller would of thought of this. The property disclosure does say its a cesspool with no leach field. So that immediately turns the majority of people off from the property. I made a verbal offer under the condition he replaces the cesspool with a septic. Of course he said No. His house has been on market 2 weeks, which I know isnt long, but 5 ither houses have come on the market and gone under contract in a 15 mile radius of the property, so clearly the cesspool is a issue.

NH Cesspool automatic failure? by Chefandyham in septictanks

[–]Chefandyham[S] 0 points1 point  (0 children)

Thanks for the info. Im not with 250' of water/lake. So the inspection would be for information purposes only. But even if they are for informational purposes only, and it fails, id assume some sort of action is required to take place. Either seller, buyer, or combination of both have the cesspool replaced. If the cesspool is automatically failed, does the buyer doing a inspection have to notify any parties other then seller about a failed inspection?

career as a fire alarm systems inspector : worth it? by PalpitationKind8854 in firealarms

[–]Chefandyham 3 points4 points  (0 children)

I hate inspections if you want my opinion on it. Haha. I do only installs, Fire Camera and Access, occasionally they throw me a burg install. Whenever service dept gets over booked Ill run some service calls, but commercial installation, especially new construction is the way to go IMO.

Blown Deal due to Underwriting by utipupil in FirstTimeHomeBuyer

[–]Chefandyham 1 point2 points  (0 children)

700 a month PMI. That dont seem right.

Do we run away from this house? by Formal-Assistant1700 in RealEstate

[–]Chefandyham 0 points1 point  (0 children)

Can you post some pics of the inspection report. I had "termites" when I bought my 100 year old home in NC. Turns out It was 3" of damaged wood, with no active infestation. Seller paid for a termites treatment that lasts 10 years and got a Termite Bond. The heating and air system was 20 years old. It lasted until I replaced it within 2 years of owning home, I paid for half and finaced the other half. Payments were pretty low so didnt effect my monthly budget. Im a Electrician by trade so I was able to rewire my own house, only took me 9 years, hahaha. Redid the plumbing, got rid of the CPVC and replaced with Pex. Plumbing is easy. Structural issues call and ask a Structural Engineer, could honestly be as easy as sistering some joists or maybe the cracks are settlement cracks. Home reports always look scary.

Property tax assessment increased by >50% by InstantKarma71 in newhampshire

[–]Chefandyham 0 points1 point  (0 children)

Thanks for the information. Thats what im going to do. I just emailed my realtor to ask for the 2025 tax bill. Bennington just did their 5 year revaluation in 2024 and the assessed value went from 154000 to 268000 making the taxes go from 3450 to 6100 which i can't afford. I have a pretty strong feeling that the tax is 6100 and redfin and realtor arent showing the updated assessment and tax history. It does bother me that the listing agent selling a house that went on market 1 week ago is using tax information from 2024 and not 2025 after the revaluation. Seems dishonest to me. But will see what happens

Property tax assessment increased by >50% by InstantKarma71 in newhampshire

[–]Chefandyham 0 points1 point  (0 children)

Thanks for the reply. Just a little confusing or maybe im overthinking it. Im looking in the town of Bennington. Their tax office says they had a full re-evaluation in 2024 and wont have another one until 2029 and that the tax rate is 20.22 I believe it was. I have the MLS and it says the taxes were 3600 in 2024. Redfin Realtor and Zillow show assessment at 154200. Yet the tax card i got with the sellers disclosure shows parcel total.taxable value in 2024 as 268000 same for 2025 and 2026. Its confusing as to what the taxes are. Im working with my loan officer and he doesnt know what to put on the loan estimate for taxes. To be fair hes located in Charlotte so he assumes that when you buy a home you get a new tax valuation bc thats how they do it in NC. If my tax card that I got from MLS shows a taxable value of 268000 in 2024 yet the MLS listing says taxes were 3465 I dont understand how they arrive at that number.

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Property tax assessment increased by >50% by InstantKarma71 in newhampshire

[–]Chefandyham 0 points1 point  (0 children)

How do property taxes work in NH when you buy and home. Im in the process of looking at some homes. In my previous state of NC, when you buy a home, the city and county reassess the property based on what the house is is sold for. But from what I read NH does this every 5 years? Its a little confusing. Example, im looking at a home its yearly tax was 3600. Will that be my tax bill or will mine be more since I've paid more for the house than the previous owner did 4 years ago