Ask about condition before comparing decor
For Brevard homes, ask about the roof installation date, HVAC age, electrical components, past water intrusion, plumbing, windows and documented permits. A recently remodeled kitchen does not settle roof condition or insurance eligibility. For older houses, discuss septic or municipal utilities, drainage and previous repair work where relevant. For a condo, request association documents and ask about structural assessments or building maintenance; a quick tour is not a full property inspection.
- Write down roof and major system ages when disclosed
- Ask whether known repairs and permits can be documented
- Schedule independent inspections under the purchase contract
Separate list price from real monthly cost
Property taxes often change when ownership transfers, especially when the seller has exemptions or long-held assessment limits. Insurance premiums and possible flood coverage depend on the exact property; association dues and special assessments may add meaningful costs. A lender cannot responsibly determine a final payment from the asking price alone. Keep a running comparison of actual projected taxes, insurance, HOA fees and any likely repair expenses for each tour.
- Note taxes and insurance as estimates until verified
- Ask about HOA, condo or CDD recurring costs
- Get address-specific payment scenarios before an offer
Confirm tour details and next steps before leaving
Open-house schedules can change and an event may be canceled after online publication. Confirm the original listing and hosting agent's instructions before traveling. During the visit, ask about offer timing and seller disclosures without relying on unsupported guarantees. Afterward, compare photos and notes against your priorities, and have your chosen agent coordinate any disclosures, professional inspections and lender review before you decide to proceed.
- Verify the event time with its original source
- Record questions and follow-up contacts after each tour
- Review representation and financing deadlines with your agent
Official information
Terms, loan rules, funding and eligibility can change. These references are for education; always confirm the current written terms with the appropriate agency and lender.
CFPB — Buying a home ↗