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Water Testing for Real Estate Transactions and Mortgage Refinancing – FHA Loans, Tampa

Writer's picture: Eyal Gamili HoltzekerEyal Gamili Holtzeker

Updated: Feb 7, 2024


Water Testing for Real Estate Transactions and Mortgage Refinancing – FHA Loans, Tampa
Water Testing for Real Estate Transactions and Mortgage Refinancing – FHA Loans, Tampa

Buying or refinancing a home is an exciting yet stressful time. You want to make sure your new property and its water supply are safe for your family. While mortgage lenders require basic water quality tests for FHA loans, more extensive testing can identify issues that may affect your home's value and your family's health. This article explores common water contaminants in Tampa Bay, recommended testing for home buyers and refinancing, and water treatment solutions to provide clean, safe water in your new home.

Why Test Water for Real Estate Transactions?

While city water is treated, wells and plumbing systems can introduce contaminants. Older homes may have lead pipes or fixtures that leach lead into water. Common groundwater contaminants include:

  • Hardness minerals

  • Iron

  • Manganese

  • Hydrogen sulfide odors

  • Bacteria

  • Chemicals

  • Heavy metals like arsenic

Consuming contaminated water, or using it for bathing, cleaning, and laundry, can negatively impact your home and health. Issues include:

  • Skin irritation

  • Staining of fixtures, tile and clothing

  • Scale buildup on plumbing fixtures

  • Corrosion of plumbing

  • Reduced appliance lifespan

  • Unpleasant odors or taste

Testing water at a prospective home provides vital data to negotiate repairs or discounts for needed water treatment equipment.

Overview of Required Tests for FHA Loans

The Federal Housing Administration (FHA) requires the following basic water tests for mortgage approval:

Bacteria Test

This checks for total coliform and E. coli bacteria. AquaGuard UV SYSTEM for Bacteria Removal uses ultraviolet light to destroy bacteria without chemicals.

Nitrates Test

Nitrate levels above 10 ppm can cause blood oxygen issues in infants under 6 months. A Retention Tank + Chlorine Injection System or HydroClear Ozone Generator can treat high nitrates.

Lead Test

Lead above 15 ppb requires treatment to remove lead from water before consumption. AquaRevive Reverse Osmosis System is effective for lead reduction.

While the FHA tests cover acute bacterial and lead risks, they do not evaluate other contaminants affecting homes and health.

Recommended Additional Real Estate Water Testing

To fully assess potential water issues for your Tampa Bay home, experts recommend adding these key tests:

Hardness Test

Hardness above 150 ppm causes scale buildup and makes soaps less effective. AquaLux Water Softener prevents hard water problems.

Iron and Manganese Tests

Levels above 0.3 ppm of iron or 0.05 ppm of manganese cause staining and foul tastes. An AquaCarbonGuard Catalytic Carbon Filter removes iron and manganese.

Hydrogen Sulfide Test

Sulfur odors and stains need treatment. HydroClear Ozone Generator eliminates rotten egg smell and stains.

Heavy Metals Test

Checks for concerning levels of arsenic, lead, mercury, chromium-6, cadmium, and selenium. Reverse osmosis like AquaRevive is the most thorough option for heavy metal removal.

Chemicals Test

Screens for solvents, herbicides, pesticides, VOCs, SOCs from industrial contamination. Activated carbon filtration like AquaBlue Whole House Filter combined with reverse osmosis effectively reduces chemicals.

With this more extensive water testing, you can better identify and address potential issues to provide cleaner, safer water throughout your new home.

Water Treatment Solutions for Real Estate Transactions

When water testing reveals contaminants, buyers can request the seller install treatment systems before closing. Or if you decide to move forward with a home despite water issues, financing options can help fund necessary equipment. We recommend the following solutions to common Tampa Bay water problems:

Hard Water Treatment

The AquaLux Water Softener uses a mineral tank to remove hardness minerals and prevent scale buildup. Meter based models efficiently regenerate based on actual usage rather than a timer. Electronic controls allow 24/7 monitoring and adjustments for optimized performance.

Iron & Manganese Removal

Oxidizing filters like the AquaCarbonGuard Catalytic Carbon Filter change dissolved iron and manganese into particles. These are filtered out to eliminate staining issues.

Sulfur Odor & Stain Removal

HydroClear Ozone Generator injects ozone into the water supply to oxidize hydrogen sulfide gas and prevent rotten egg odors and black stains.

Bacteria & Microorganism Reduction

AquaGuard UV SYSTEM uses ultraviolet light to deactivate and destroy illness-causing bacteria, viruses, and cysts without adding chemicals.

Heavy Metal Removal

Reverse osmosis like the AquaRevive forces water through a semipermeable membrane to block contaminants including lead, arsenic, chromium-6, and more. It removes up to 99% of dissolved solids and chemicals for the purest drinking water.

Whole House Sediment, Chemical & Pesticide Removal

Multi-stage whole house systems like AquaBlue combine filtration technologies to reduce a wide range of contaminants. Sediment pre-filters trap particles. Activated carbon absorbs chemicals, pesticides, solvents, VOCs. Scale inhibitor protects plumbing.

Commercial Property Water Treatment

For apartment buildings, offices, retail, or other commercial properties, HydroTech Pro Commercial Water Treatment Systems professionally survey needs and install optimized equipment for the highest water quality.

Well Water Treatment

Properties on well water avoid municipal chemicals but face risks like bacteria and hydrogen sulfide from the aquifer. WellFusion Well Water Treatment Systems blend sterilization, filtration, and purification methods for clean, safe water from the tap.

Schedule Your FREE Water Test Today to evaluate your prospective or current home. Then we can recommend the right solutions based on your water chemistry and needs. Take advantage of discounts, promotions, and financing options to make clean water affordable. Investing in water treatment protects your property value and your family's health.

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WHAT OUR CLIENTS ARE SAYING ABOUT US

  • What is hard water?
    Answer: Hard water is water that contains high levels of dissolved minerals, primarily calcium and magnesium.
  • What are the signs of hard water in Florida?
    Answer: Signs of hard water in Florida include white or yellowish buildup on faucets and appliances, soap scum in sinks and showers, and dry, itchy skin.
  • How does a water softener work?
    Answer: A water softener works by removing the minerals that cause water hardness and replacing them with sodium ions through a process called ion exchange.
  • How often should I add salt to my water softener?
    Answer: You should add salt to your water softener tank as needed, typically every 4-6 weeks, depending on your household water usage.
  • Is softened water safe to drink?
    Answer: Yes, softened water is safe to drink. However, if you have concerns about the sodium content, you may want to consider installing a reverse osmosis drinking water system.
  • What are the benefits of using a water softener in Florida?
    Answer: Benefits of using a water softener in Florida include softer, smoother skin, cleaner dishes and clothes, longer lifespan for appliances and plumbing, and reduced buildup on fixtures and surfaces.
  • How do I know if I need a water softener in Florida?
    Answer: If you notice signs of hard water, such as buildup on fixtures or appliances, soap scum, or dry skin, you may benefit from a water softener. You can also have your water tested to determine its hardness level.
  • Can I install a water softener myself?
    Answer: While it is possible to install a water softener yourself, it is recommended that you hire a professional to ensure proper installation and performance.
  • How much does a water softener cost in Florida?
    Answer: The cost of a water softener in Florida varies depending on the size and type of system, as well as installation and maintenance costs. On average, a basic system can range from $500 to $5,000.
  • How often should I have my water softener serviced in Florida?
    Answer: You should have your water softener serviced annually to ensure it is functioning properly and to maintain optimal performance.
  • What is reverse osmosis and how does it work?
    Reverse osmosis is a water purification process that uses a semi-permeable membrane to remove contaminants from water. Water is forced through the membrane, which traps pollutants and allows clean water to pass through.
  • What types of contaminants can reverse osmosis systems remove?
    Reverse osmosis systems can remove a wide range of contaminants, including chlorine, fluoride, lead, arsenic, bacteria, viruses, and other harmful particles.
  • Do I need a reverse osmosis system if I already have a water softener?
    A water softener and a reverse osmosis system serve different purposes. While a water softener removes hard minerals like calcium and magnesium, a reverse osmosis system removes a wider range of contaminants.
  • Is reverse osmosis water safe to drink?
    Yes, reverse osmosis water is safe to drink. In fact, many people prefer the taste of reverse osmosis water over tap water due to its purity and lack of chemicals.
  • Do I need to replace the reverse osmosis membrane over time?
    Yes, the reverse osmosis membrane will need to be replaced periodically to ensure optimal performance of the system.
  • How often should I change the filters in my reverse osmosis system?
    It is recommended to change the filters in your reverse osmosis system every 6-12 months, depending on usage and water quality.
  • Can a reverse osmosis system be installed under my sink?
    Yes, most reverse osmosis systems are designed to fit under the sink for easy installation and convenience.
  • How much water does a reverse osmosis system waste?
    Reverse osmosis systems typically waste about 3-5 gallons of water for every gallon of purified water produced, but some systems are designed to be more efficient.
  • Will a reverse osmosis system remove beneficial minerals from my water?
    Yes, a reverse osmosis system will remove some beneficial minerals from your water along with the contaminants. However, these minerals can be easily replenished through a healthy diet or supplements.
  • Can I install a reverse osmosis system myself or should I hire a professional?
    While it is possible to install a reverse osmosis system yourself, it is recommended to hire a professional to ensure proper installation and optimal performance of the system.

Reviews from our amazing customers

Alexandra O

average rating is 5 out of 5, based on 150 votes, Product ratings

Tampa, FL

I recently had Aqua-Wise Water Treatment install a 96k grains water softener, carbon, and RO system in my home in Tampa. Living in an area with various contaminants, including PFAS, I was in search of a comprehensive water treatment solution, and Aqua-Wise delivered. The 96k grains water softener effectively addresses hard water issues, ensuring a noticeable improvement in water quality. The addition of a carbon filtration system enhances the removal of impurities, and the RO system provides an extra layer of purification, crucial for combating contaminants like PFAS.I can already feel the positive impact on both my appliances and overall well-being. Choosing Aqua-Wise Water Treatment has proven to be a wise decision, providing my family with clean, softened water that exceeds our expectations. I highly recommend their services to anyone in the Tampa area seeking a reliable and thorough water treatment solution.

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Mark H

average rating is 5 out of 5, based on 150 votes, Product ratings

Pinellas Park, FL

I'm delighted to share my positive experience with Aqua-Wise.com. Their installation services for our point of entry and RO system were exceptional. The team exhibited professionalism and efficiency throughout the process. Additionally, opting for their financial option at just $69 made the entire service even more accessible for my family. We're thoroughly satisfied with the results and highly recommend Aqua-Wise for their quality work and flexible payment plans.

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Julia A

average rating is 5 out of 5, based on 150 votes, Product ratings

Saint Petersburg, FL

Comments: I am so glad that I chose Aqua Wise for our water softener and RO installation. It was ultimately a decision for our health, but it's a big purchase and we wanted to make sure we were in good hands. Eyal explained everything every step of the way. You can tell he is very knowledgeable and passionate about water quality. He and his son came out quickly and the installation was seamless. We needed an electrician as well to come out and install a power supply, which Eyal also arranged for. They offer financing options as well, and they are reasonably priced in my opinion. I highly recommend Aqua Wise for your home's water needs, and supporting a local family owned business. Thank you Aqua Wise!

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