Short answer
Usually not for the loan itself: lenders require an appraisal, which estimates the home's value for the lender, but most don't require a home inspection. It's still one of the most important steps for you. FHA gives every buyer a notice saying the appraisal doesn't replace an inspection and that FHA doesn't guarantee the home's value or condition. In New Hampshire, home inspectors must be licensed by the state.
What's the difference between an appraisal and an inspection?
The appraiser works for the lender's side and answers one question: what is the home worth, and does it meet the loan program's basic property standards? A home inspector works for you and looks closely at the roof, structure, heating, plumbing, electrical and more, then gives you a detailed report. An appraiser may spend a short time in the house; an inspection often takes a few hours.
Do home inspectors need a license in New Hampshire?
Yes. State law (RSA 310-A:189) requires anyone who performs home inspections in New Hampshire to be licensed by the state's board of home inspectors. You can check a license through the NH Office of Professional Licensure and Certification before you hire someone. Service Connect lists local pros as they join.
What isn't covered by a standard inspection?
Many New Hampshire homes call for tests a standard inspection doesn't include: radon in air and water, a well water test for arsenic and bacteria, a septic evaluation, a chimney inspection, and checks for pests. Ask your inspector which they offer. See home inspection, radon and arsenic and the well and septic guide.
When should I schedule it?
Right after your offer is accepted, within the inspection period in your purchase agreement. That gives you time to read the report, ask for repairs or a credit, or walk away if the contract allows, before you pay for the appraisal. See contingencies and earnest money.
What if the inspection finds problems?
Your real estate agent can help you ask the seller to fix items, lower the price or give a credit toward closing costs. Tell Tom about any big repairs, because some, such as roof, heating or safety items, can also come up in the appraisal and affect the loan. A renovation loan can roll repairs into the mortgage.
Sources
- HUD, For Your Protection: Get a Home Inspection (HUD-92564-CN)
- NH RSA 310-A:189, Home inspector license required
Checked November 2, 2026. Rules and dates change, so confirm current details before you rely on them.
General information only, not tax or legal advice. Program availability, eligibility and terms vary by lender and are subject to change and to underwriting approval. Not a commitment to lend.