It only touches concrete and some cosmetic wood paneling.

like melted dishwasher trays; cracked granite above the dishwasher from hitting it with oversized items placed on the tray; kitchen wood panels/doors stained with grease splatter never cleaned which has removed the wood stain, etc.Any advice?

You're a buyer looking for a 3 bed, 2.5 bath (colonial, cape, whatever the house is) home in a certain school district that has a (quiet neighborhood, urban feel, wooded area, whatever your house has).

thanks @carolina e. and @shane woods i did exactly that.

You'll pay a price premium, because they can't get the same prices from suppliers as the big guys... however, they frequently will offer more interesting plans/ elevations than a production builder.  

They could only lend 20% of the purchase price so we gave them our down payment of 650k and we had to pay another 161k which covered; appraisal, $27,300 origination fee, prorated taxes, and a couple other minor prorations, then Auction.com's 5% premium, as well as 100% of the escrow fee and title insurance costs (all part of Auction.coms non-negotiable Purchase & Sale Agreement). 

So the policies applied to FHA loans are simply referred to as mortgage insurance premiums, or MIPs. 

You should contact Premium Title Service www.mypremiumtitle .com

Use your foot to see how strong the floor around a toilet mounted to a wood floor. 

Personally, when you buy a Home Warranty, that premium is deducted from the money you would have saved annually (for the covered systems).