Gary Smith – Mississippi Licensed Home Inspector

decksafetySince 1974 I’ve watched central Mississippi towns and communities grow. I understand that a safe sound home is an important element in home ownership. I’m here to help you make solid informed purchase decisions. As the most trusted home inspector in Metro Jackson I have built my reputation on honest reporting as I evaluate the conditions of your property. I’ll give you the best advice. I provide my clients with quality real estate services backed by honesty and integrity. I provide in-depth opinions on topics such as: real estate sales and purchase DSC00243inspections, specific area inspections, roof inspections, general property inspections, indoor air quality evaluations, 203K rehab construction consulting, home building management and buyer support. My reports are easy to read and my customer service is second to none. My clients come first. From my office in Ridgeland, MS I cover all Metro Jackson neighborhoods that include: Brandon, Clinton, Byram, Florence, Madison, Richland, Edwards, Vicksburg, Meridian and Flowood. ASHI-GoldI am a state license board approved ASHI home inspector and also an energy savings/usage proponent. As an FHA/HUD consultant I offer residential construction related services in two ways. First through my building company, Northtowne Builders and second through my home inspection company, SafeHome Inspections. Whether you’re building, buying or selling real estate I’m ready to help you save money and add value. ASHI :: Client Bill of Rights


Office: 601-691-1496

Fax: 601-856-6103

120 North Perkins Street, Ridgeland, Mississippi 39157


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Rehab Calculator

Purchase Price is required and should be a number

Annual taxes are required and should be a number

Annual Hazard Insurance is required and should be a number

An Interest rate is required and should be a number

A Repair Budget is required and should be a number

Inspections are required and should be a number between 2 and 5

A Repair Reserve is required and should be a number between 10 and 20

Enter the purchase price or contract price of the home.
Enter the 12 month total for property taxes.
Enter the 12 month total for property hazard insurance.
Enter the loan interest rate. Contact your 203K Pro for more help.
Will the repairs call for walls to be moved, foundation repairs or extensive wiring, plumbing or heating/cooling repairs? If so, enter YES. What are considered minor repairs? Carpet, painting and appliance replacement, etc are considered minor repairs. Contact your 203K Pro if your not sure about this option. If you answer NO, your contractor will most likely be paid a percentage of the repairs upfront, when the loan closes. Contact your 203K Pro for help.
What is the total cost of the rehab? Contact your 203K Pro for help. Enter the total repair budget in this field.
During the course of the rehab the lender will require progress inspections before the contractor is allowed to be paid. The maximum number of draws allowed is 5 and the minimum number is 2. For Streamlined K Loans, loans without structural repairs, the calculator will default to 2. Otherwise enter the total number of draw inspections needed. If in doubt, ask your 203K Consultant or Loan Officer. Hint: If you feel that the project will last 4 months, enter 4 draws, one per month.
This figure will not be less than 10 percent and will never be greater than 20 percent. The number, set by the loan underwriter, is used to calculate the total funds that are to be used as emergency funds or as a budget for job cost overruns.