Things to Make a Mortgage Inspection Easier



1. Talk to the homeowners about the well & septic.

††††††††††† A. Do they have copies of the permits?

††††††††††† B. Copies of receipts?

††††††††††† C. Any records from the health department (file search)?

††††††††††† D. Any records from previous mortgage inspection?

††††††††††† E. Where are the well/septic located?


2. Be sure to ask:

††††††††††† A. Any filters anywhere in the distribution system?

††††††††††† B. Is the water heater turned down?

††††††††††† C. Any plumbing, pump work or tank replacement done (either professionally or by homeowner)?

††††††††††† D. Last water test done (not by water softening company)?

††††††††††† E. Septic tank pumped? If so, do they have a copy of the receipt?


3. Visual Inspection:

††††††††††† A. Locate the well. Check the well cap. If it wiggles, thatís a potential problem.

††††††††††† B. Make sure the conduit is tight against the well cap. If wires are exposed, thatís a potential problem.

††††††††††††††††††††††††††††††††††† C. The water softener discharge line should not be lying in the sump

†††††††††††††††††††††††††††††††††††††††† pump. In the event of a power outage, bacteria can enter the system

†††††††††††††††††††††††††††††††††††††††† by a back-siphonage.

††††††††††††††††††††††††††††††††††††††††††††††† D. Filter unit that hasnít been used or changed in a very long time.

††††††††††††††††††††††††††††††††††† E. Fuel Oil tanks or above ground storage tanks. Verify what is in them and how much.


4. Vacant property:

††††††††††† A. Go out and run the water for many hours.


5. In the event of a problem with a well, GET A LICENSED WELL DRILLER to

†† correct the problem. The process of chlorination is going to change.