TOMS RIVER, NJ – Buying a home is a major milestone and financial commitment, and Christine Matus, a seasoned New Jersey real estate attorney at The Matus Law Group (https://matuslaw.com/do-you-need-a-home-inspector-when-buying-a-house-in-new-jersey), emphasizes the importance of conducting a home inspection before completing a property purchase. While not required by law, a home inspection is one of the most practical steps buyers can take to safeguard their investment and protect themselves from costly surprises.
In her guidance to prospective homeowners, Christine Matus underlines the value of this step, particularly in a market as varied as New Jersey’s. “Although a home inspection is not legally required in New Jersey,” says Matus, “it is one of the most important steps when buying a house to ensure it is free from mechanical and structural issues before signing on that dotted line.” Her insight as a New Jersey real estate attorney comes at a time when buyers are navigating diverse housing options, from historic North Jersey homes to coastal properties along the shore.
A New Jersey real estate attorney often advises clients to treat inspections as an essential part of the process, regardless of the property’s age or condition. Homes across the state, from Central Jersey communities like Freehold to shore towns such as Asbury Park, can harbor unseen issues. Moisture damage, outdated wiring, or compromised structural elements are common concerns that only a detailed inspection can uncover. Matus explains that relying solely on the seller’s disclosures may not reveal these types of problems, especially since sellers may be unaware of hidden defects themselves.
According to Christine Matus, a home inspection is more than just a formality; it is a tool for transparency. The trained inspector spends hours evaluating a property’s foundation, roof, electrical system, HVAC components, plumbing, and appliances. The findings often influence critical decisions, from renegotiating the purchase price to requesting repairs or walking away from the deal entirely. For this reason, Matus, an experienced New Jersey real estate attorney, frequently recommends including an inspection contingency in the purchase agreement.
“Even in areas with newer housing stock, such as certain parts of South Jersey, inspections are essential for evaluating things like septic systems or environmental hazards,” says Matus. She adds that older homes may have issues such as lead-based paint, asbestos, or radon exposure, conditions that can significantly affect the home’s safety and livability. Under New Jersey law, homes built before 1978 require disclosure of lead hazards, but detection through inspection remains the most reliable method.
One key distinction Matus highlights for buyers is understanding the difference between a home inspection and an appraisal. While both are important, they serve very different purposes. An appraisal determines the market value of the property and is typically required by mortgage lenders. A home inspection, however, is focused on uncovering physical or mechanical issues that may not be visible during a standard walkthrough.
Inspection results can also impact financing. Lenders or insurers may decline to approve a mortgage or policy if certain high-risk conditions are identified. In such cases, the buyer must address required fixes before proceeding. Matus advises that while cosmetic issues usually fall under the buyer’s responsibility, safety hazards, such as electrical problems or mold, can become critical negotiation points or even deal-breakers.
The inspection process may also lead to recommendations for additional evaluations, such as pest inspections or mold testing. These follow-up assessments provide a deeper understanding of the property’s condition and can influence whether the buyer chooses to move forward. “It’s not just about avoiding problems, it’s about making informed decisions,” Matus says. This insight reinforces the importance of legal support during the home-buying journey.
Matus notes that municipal regulations in New Jersey can vary widely, with local building departments responsible for enforcing codes and issuing permits. For example, buyers in towns like Middletown or Red Bank must confirm that any past renovations were properly permitted and that current occupancy certificates are valid. A New Jersey real estate attorney can help review these records and ensure everything is in order before closing.
One of the most effective ways buyers can protect themselves is by including a home inspection contingency in the contract. This provision allows them to renegotiate or withdraw from the deal based on the results. Matus explains that skipping this step is a gamble, even for buyers intending to remodel, because issues like foundation damage or environmental hazards can derail future plans or add unexpected costs.
Choosing to have a home inspection is a modest investment, typically between $400 and $600 in New Jersey, but it can prevent far greater financial burdens down the line. Christine Matus advises buyers not to see it as an optional expense, but rather as an essential safeguard.
Having legal support from a New Jersey real estate attorney like Christine Matus ensures that inspection findings are properly addressed in the transaction process. Whether the issue is negotiating repairs or confirming code compliance, buyers benefit from having a professional advocate on their side.
Purchasing a home involves many moving parts, and it’s easy to overlook details that may have long-term consequences. A home inspection offers critical insights into the property’s condition and helps buyers move forward with greater confidence. Christine Matus and The Matus Law Group work closely with clients to ensure their interests are protected and that they enter homeownership fully informed.
About The Matus Law Group:
The Matus Law Group provides legal services to individuals and families across New Jersey. Led by attorney Christine Matus, the firm offers support in real estate law, estate planning, and related legal matters. With a focus on clear communication and client advocacy, the firm helps clients navigate important decisions with confidence and care.
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Company Name: The Matus Law Group
Contact Person: Christine Matus
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Phone: (732) 785-4453
Address:125 Half Mile Rd #201A
City: Red Bank
State: New Jersey 07701
Country: United States
Website: https://matuslaw.com/monmouth-county-nj/