Designers Reveal the 10 Questions You Need to Ask Before Buying a Home
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Whether you're investing in a starter home or expanding your real-estate portfolio, buying a home of any shape or size is a big deal—and an endeavor that should not be taken lightly. As you tour properties, it's easy to get inundated with the logistics of being a homeowner: The down payment, the inspection, the escrow. But let's not forget that you're going to spend a lot time actually living in your new digs, so it's important to make sure that it's well-suited for both your current needs and inevitable renovation dreams.
That's where designers come in. These professionals spend their lives touring and thinking about a breadth of properties, so it's only natural that they have a good sense of what makes a great home, inside and out. We surveyed a handful of designers to discover the questions they think you should get answered before buying a property. (You know, the ones that realtors may not think to ask.) This need-to-know info can help you feel confident about putting down an offer.
Questions to Ask Before Buying a House
Is the house "you?": Though some properties are brimming with potential, Sam Nicholls of the Southern California design firm Setess says it's important to make sure a home matches your design style. "There's no point in buying a house if it doesn’t align to your way of life and intended aesthetic," he explains. Meanwhile, fellow Setess co-founder Stephen Margaritis says it's crucial that a home's footprint caters to your daily needs. "If you're a big home cook and the home has a small galley kitchen with no ability (or appetite) to expand, then walk away," Margaritis adds. "You can't fit a square peg in a round hole." Renovations and weekend DIY projects are possible, but they often require a lot of time, energy, and money, so it's important to like the space you're working with from the start.
What permits is the home approved for?: If you do want to undergo a big renovation down the road, you'll want to look into the home's permits and zoning laws first. Not only is it illegal to perform unpermitted work on a property—doing so can result in a pretty big fine—but it can also be dangerous. Translation? This is one question that can save you a major headache down the road. "It's crucial for buyers to question the adaptability of a space to future changes and aspirations," says Katie Browning of Lucas Browning Design. "Begin by reviewing local zoning laws for allowances on expansions or additions—can the square footage be increased, or are there height restrictions that could be limiting to a dream renovation?"
Does the infrastructure have any limitations?: Speaking of your renovation dreams, Lucas Browning Design's Heather Lucas recommends asking a contractor to do an in-depth examination of the home's bones. "Is the charming wall in the living room a load-bearing pillar of the home's integrity?" she asks. "What about the hidden potential within the floor—can the existing wood flooring be salvaged and reimagined with a refinishing?"
How many people have owned this house before?: A home might be your fortress, but it's prone to wear and tear just like anything else. Asking about its previous owner history can offer some insight. "It helps to get a sense of how the property has been cared for over the years," says Hillary Cohen of HCO Interiors. "If it has had multiple owners you may inspect the finishes a little closer to see how things have held up."
Questions to Ask Before Buying a Co-Op
What's the financial health of the co-op corporation?: Unlike purchasing a home, which is solely your business, a co-op is a more communal real-estate moved. Since these types of properties are ultimately owned and operated by its members, most designers agree that you should have a deep understanding of the co-op's finances before you buy. "I remember working with buyers who were into this one co-op until we found out the corporation was basically broke and circling the drain financially," shares Joy Aumann, a licensed realtor, interior designer, and founder of La Jolla Life. No one wants to tie their home to a sinking ship like that."
What is the process for board approval for renovations or design changes?: Since co-op members are in charge of everything, they might have a say in your design, too! "Knowing the steps involved helps budget for additional time and potential costs," says Jennifer Fitzpatrick, principal designer of Studio J & Co, which services New York and Miami. "Asking this question will help to manage you timeline expectations and potential limitations for creating your ideal space."
Questions to Ask Before Buying a Condo
What are the condo fees, and what do they cover?: According to Mina Lisanin, founder and principal designer of ML Interiors in New York City, there can be more that goes into your condo's finances than a down payment. "Understanding the monthly fees is crucial, as they can significantly impact your budget," she explains. "Knowing what amenities and services are covered by these fees gives insight into the lifestyle and maintenance standards of the building."
Are there any upcoming assessments or renovations planned?: Additionally, Lisanin says that upgrades and renovations can sometimes impact your bottom line and increase your HOA fees. "Being aware of any future expenses can help you plan your finances accordingly," she says. "Additionally, it gives you an idea of the building's maintenance schedule and its commitment to keeping the property in good condition.
What are the rules and regulations regarding renovations or modifications to the unit?: Just because you own your condo doesn't mean you can decorate it however you please. Lisanin points out that some condo boards might have strict regulations regarding renovations and cosmetic tweaks. "Knowing these rules beforehand can prevent any surprises or conflicts in the future," she adds.
Questions to Ask Before Buying an Apartment
What utilities are included in the maintenance fees, and what is the history of fee increases?: Similar to a condo or co-op, an apartment ultimately belongs in a communal space. Since fees can fluctuate, asking this question will help offer some insight into your living costs beyond the purchase price. "In one of my projects, the client overlooked this, leading to unexpected hikes in expenses that strained their budget post-move," explains Bob Berriz, owner of his eponymous design and build firm in Northern Virginia. "Understanding these costs upfront can prevent such surprises and contribute to a more accurate budget forecast for your new home."
Ready to take the plunge and put down an offer? Here are some home-buying tips from the real-estate market's finest.
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