Inspection negotiation: credits vs repairs
How to negotiate after inspection without killing the deal or getting shorted.
Scenario
Inspection reveals issues. The seller is “willing” — but you need the right fix, in the right form, without dragging timelines.
Credits (often cleaner)
- You control the repair quality
- No “cheap fix” surprises
- Less scheduling drama
- Best for non-lender-required items
Repairs (use when required)
- Needed if lender/appraiser requires it
- Must define “licensed contractor”
- Require receipts + completion proof
- Re-inspection may be needed
BRIK takeaway
Ask for repairs when a lender requires it or safety/structure demands it. Otherwise, credits often protect you better. The key is being specific: prioritize the top issues, price the fix realistically, and keep the deal moving.