12 Questions to Ask a Home Inspector Before, During, and After a Home Inspection 

If you’re buying or selling a home, the home inspection is a critical step toward understanding the property’s condition. The questions you ask—and when you ask them—can greatly impact how much insight you gain and how confidently you proceed. To help you navigate this important process, here are 12 essential questions to ask your home inspector before, during, and after the inspection, along with why they matter and the benefits they offer. 

Before the Inspection: Finding the Right Inspector and Setting Expectations 

Choosing the right home inspector and setting clear expectations can save you time, money, and stress later. These questions help you evaluate the inspector’s experience, thoroughness, and transparency: 

1. What exactly will you inspect? 
Knowing what areas and systems the inspector will review helps you understand the scope of the inspection. A detailed inspection covering major components—roof, foundation, plumbing, electrical, HVAC—ensures that no critical issues go unnoticed. Asking this question prepares you for what to expect and helps avoid surprises. 

Why Ask: You’ll gain confidence that your investment will be properly evaluated, giving you peace of mind about the home’s condition. 

2. What is NOT included in the inspection? 
Every inspection has limits. Inspectors generally perform visual, non-invasive checks and cannot open walls or conduct specialized testing. Understanding these boundaries lets you anticipate when additional expert inspections (roofers, electricians, plumbers) may be necessary. 

Why Ask: This helps you budget for potential extra inspections and prevents unrealistic expectations about what the home inspector can provide. 

3. How long have you been doing inspections and how many have you completed? 
Experience often translates into a more skilled and thorough inspection. Inspectors who have worked on many homes, especially those similar to the one you’re considering, will be better equipped to spot hidden problems and provide reliable advice. 

Why Ask: You reduce the risk of missing important issues and increase the likelihood of receiving a detailed, accurate report. 

4. Can I accompany you during the inspection? 
Being present during the inspection lets you see firsthand what the inspector finds and provides an opportunity to ask questions in real time. This interactive process enhances your understanding and allows you to clarify concerns on the spot. 

Why Ask: You’ll gain valuable knowledge about your potential home and avoid confusion or surprises when reviewing the written report later. 

5. Can you provide a sample inspection report? 
Reviewing a sample report ahead of time helps you understand the level of detail and the format you’ll receive. Some reports are straightforward, while others include photos, diagrams, and recommendations. 

Why Ask: Knowing what to expect from the report helps you prepare for interpreting the findings and facilitates clearer communication with your inspector. 

During the Inspection: Observing and Asking Clarifying Questions 

Attending the inspection is your chance to engage directly with the expert and gain deeper insight. These questions help you understand the home’s condition as issues arise: 

1. What does that mean? 
When the inspector points out a concern, ask for a clear explanation in simple terms. Understanding what a problem is and why it matters enables you to assess its impact. 

Why Ask: You avoid confusion and can better weigh repair costs or negotiation strategies with the seller. 

2. Is this a major problem or a minor issue? 
Not every defect is a deal breaker. This question helps you distinguish between problems that require immediate attention and those that are common or easily fixed. 

Why Ask: It helps prevent unnecessary worry and supports informed decision-making on whether to proceed or negotiate repairs. 

3. How do I maintain or care for these systems? 
Ask about upkeep for important systems like HVAC, plumbing, or electrical. Learning proper maintenance practices can extend the life of these components and avoid costly repairs. 

Why Ask: You’ll be better equipped to care for your home and protect your investment long term. 

4. What are your biggest concerns about this property? 
Request a summary of the most critical issues the inspector has identified. This helps you prioritize follow-up actions and focus your attention where it matters most. 

Why Ask: You’ll be prepared to address the most urgent problems, whether through negotiation, further expert evaluation, or budgeting for repairs. 

After the Inspection: Understanding the Report and Planning Next Steps 

Once you have the written report in hand, it’s important to review it carefully and clarify any uncertainties to make confident choices: 

1. Can you clarify anything in the report I don’t understand? 
Technical language and detailed findings can be confusing. Don’t hesitate to ask your inspector for further explanation to ensure you fully grasp the condition of the property. 

Why Ask: Clear understanding prevents misinterpretation and helps you make sound financial and homeownership decisions. 

2. Are there any issues serious enough to reconsider buying? 
Ask the inspector if any problems are so significant they should cause you to pause or reconsider the purchase. 

Why Ask: This helps you avoid costly surprises and ensures you are making a well-informed decision. 

3. Should I bring in specialists for further evaluation? 
If the inspector flags potential issues, inquire whether specialized inspections are recommended to assess repairs and costs more precisely. 

Why Ask: Bringing in experts like electricians or plumbers ensures you have accurate estimates and can negotiate effectively with sellers. 

Conclusion 

By asking the right questions before, during, and after your home inspection, you’ll gain a clear understanding of the property’s condition—empowering you to make confident, informed decisions. Taking a proactive approach helps safeguard your investment and minimizes the risk of costly surprises. 

Disclaimer: First Western Trust is an Equal Housing Lender, NMLS #477166 

Understanding Today’s Mortgage Rates: What Homeowners Need to Know

If you’re considering buying a home or refinancing your mortgage, you’ve likely noticed the chatter around mortgage rates. These rates can feel like a moving target—one moment they seem reasonable, and the next, they spike. Understanding what drives these fluctuations and how to navigate them can empower you to make smarter financial decisions. Here’s a breakdown of today’s mortgage rates and tips to help you secure the best deal.

What Determines Mortgage Rates?

Mortgage rates are influenced by a mix of global and national economic factors, along with your personal financial situation. Let’s simplify the big picture:

  1. The Federal Reserve’s Influence
    While the Fed doesn’t directly set mortgage rates, its decisions on short-term interest rates indirectly impact them. For example, when the Fed raises rates to combat inflation, borrowing costs across the economy—including mortgages—tend to rise.
  2. Bond Market Activity
    Mortgage rates are closely tied to the yield on the 10-year U.S. Treasury bond. When demand for these bonds increases, yields fall, and so do mortgage rates. Conversely, when demand drops, yields and mortgage rates go up.
  3. Your Financial Profile
    Lenders assess your credit score, income, debt-to-income ratio, and loan-to-value ratio to determine your individual rate. A strong credit profile can qualify you for a lower rate, potentially saving you thousands over the life of your loan.
  4. Loan Type and Term
    The type of mortgage you choose—fixed-rate, adjustable-rate, FHA, or VA—also influences your rate. Similarly, shorter-term loans, like 15-year mortgages, often come with lower rates than 30-year options.

How to Lock in a Good Rate in a Fluctuating Market

The mortgage market is unpredictable, but with the right strategies, you can improve your chances of securing a favorable rate:

  • Act Quickly When Rates Dip
    Mortgage rates can shift daily, sometimes even hourly. If you see a rate that aligns with your financial goals, be prepared to act swiftly.
  • Get Pre-Approved
    A pre-approval not only helps you understand what you can afford but also positions you to lock in a rate as soon as you find the right property.
  • Work on Your Credit
    A higher credit score often means lower rates. Check your credit report for errors, pay down debt, and avoid opening new lines of credit before applying for a mortgage.
  • Consider Points
    Paying for discount points upfront can lower your interest rate over the loan’s lifetime. While this requires more cash at closing, it can result in significant long-term savings.
  • Stay Flexible
    If rates are higher than you’d like, consider adjustable-rate mortgages (ARMs). These often start with lower rates than fixed-rate loans but carry the risk of adjustment later.

Where to Monitor Rates and Find Help

Tracking mortgage rates doesn’t have to be overwhelming. Start by visiting trusted financial websites like Bankrate or Freddie Mac’s Primary Mortgage Market Survey for regular updates. You can also set alerts with your preferred lender to receive notifications when rates drop.

At First Western Trust, we understand that securing the right mortgage rate is a critical piece of your financial journey. Our team is here to guide you through the process, offering tailored advice based on your unique circumstances. Whether you’re buying your first home, refinancing, or exploring investment properties, we’ll help you confidently navigate the mortgage market’s complexities.

Your Next Steps

Mortgage rates may fluctuate, but your financial security doesn’t have to. By understanding how rates are determined and employing smart strategies, you can position yourself to achieve your homeownership goals.

Ready to take the next step? Contact us today to speak with one of our mortgage specialists. Together, we’ll make sure you’re prepared for whatever the market holds.