Why Agents and Brokers Should Be Working With Pay-At-Close Home Inspectors


There are millions of realtors, with thousands competing for leads and sales in any large metropolitan area. It’s critical to differentiate, and one key way to do so is by offering a seamless, streamlined way for buyers and sellers to complete their transactions.

Of course, a typical real estate transaction involves numerous parties working to validate and secure the deal, from mortgage lenders to home inspectors. Each step you can streamline can make your work as a realtor easier, which should (hopefully) result in easier transactions, which should make buyers and sellers more eager to work with you.

At Guardian, we’re all about making things easier for our home inspection partners, and we believe this focus makes life easier for the realtors they work with as well.

Our latest effort is Pay-At-Close, giving home inspectors a guaranteed way to receive payment for their inspections – and as a realtor, you won’t have to worry about anything once the inspection is completed.

Here’s how it works from your vantage point:

  1. Your chosen home inspector completes their job and sends an invoice, which can be paid by credit card, ACH, or other upfront options – but when they use ISN, they can also offer Pay-At-Close.
  2. Selecting Pay-At-Close sends the invoice to the title company handling the deal. If your buyers or sellers don’t know the title company off the top of their heads, you’ll be asked to step in so you can route things to the right party.
  3. ISN and Guardian Inspection Payments will take over at this point to process the payment to your inspector through your chosen title company, even if the sale doesn’t close.

What’s the upside to Pay-At-Close over more traditional upfront payments for home inspections? There’s an obvious benefit to streamlining the transaction process, which can make it a bit quicker to close on the sale of a home or apartment. But in today’s wobbly economy, there’s also a clear benefit to reducing your clients’ upfront costs by packaging their home inspection fees into the closing costs.

When the market was hot, the main benefit to offering Pay-At-Close home inspections centered on speed to close – by giving your home-buying clients fewer hoops to jump through, you gave them an edge over other buyers when home sales could be measured in days rather than weeks or months.

Real estate sales are still taking place on shorter timelines than they did in years past, but homebuyers may be less eager to pay for ancillary services (like home inspections and related work, like sewer scopes or radon inspections) upfront. Offering Pay-At-Close gives these prospective buyers a way to pay for these services with their mortgage money, which can be deployed at closing to cover a range of applicable costs.

Want to find out more about Pay-At-Close, and reach out to home inspectors in your area who offer this value-added service option? Call us at 1-800-608-7363 to start working with a Pay-At-Close inspector near you!

Pay-At-Close by Guardian – How it Works and How it Will Grow Your Business

Pay-At-Close is a phrase that typically creates a negative reaction with home inspectors, and we completely understand why. Waiting for payment from your clients for what could be weeks or months, combined with dealing with title companies, can be a hassle. It can also be very risky since some home sales may not even make it closing, resulting in your business potentially not getting paid at all. But with ISN’s newest Pay-At-Close payment feature that is powered by Guardian Financial, all of these risks go out the window and change everything you THOUGHT you knew about this payment option. Here’s how it works and how it will grow your inspection business. **Please note that currently, this payment feature is only available to home inspectors who are using ISN**

How it Works:

  1. Your home inspection business will send an invoice to your clients via ISN the same way that you always have. In addition to other payment options, however, (credit card, ACH, etc.) they will also be given the option to pay for their inspection at closing.
  2. If your client selects the Pay-At-Close option, they will be prompted to input their title company information. If they do not know their title company information, no problem! They can instead select the option to have Guardian contact their real estate agent for that info.
  3. ISN processes your inspection and Guardian handles the rest. You receive full, up-front payment for your inspection from Guardian, and we handle everything thereafter with the title companies. You get paid no matter what – even if the sale of the home doesn’t make it to closing.

So, what’s the value in the Pay-At-Close program and how can it help you grow your home inspection business?

  • Sell more ancillary services! As a home inspector, recommending additional inspection services such as a sewer scope or radon inspection can be difficult if your client’s funds are limited. With a Pay-At-Close option, your client will often be more open to these extra services, allowing your business to increase the number of transactions related to ancillary services. It’s a win-win for both you and your client.
  • This is a service that can provide a pay-later option for homebuyers that may be short on cash or watching their credit card purchases during the pending sale of a home. First time homebuyers may be especially cautious with extra spend while putting cash to the side for their down payment and moving expenses. A pay-later option can help their financial planning and reduce stress during a pending close.
  • Almost all homebuyers are cautioned against any large purchases on their credit cards during the pending sale of a home to ensure they can lock into a decent interest rate.
  • Looking to build relationships with new agents? Providing this service is almost a guaranteed way to open doors to new realtors and separate yourself from competitors.


Have more questions or ready to get onboarded? Visit www.pay-at-close.smallbizguardian.com

or give us a call at 1-800-608-7363.