Hometeam Inspection Service vs Housemaster
Hometeam Inspection Service vs Housemaster: Hometeam Inspection Service costs $65K to $92K to open; Housemaster costs $69K to $113K. Hometeam Inspection Service has 200 units, Housemaster has 235. SBA loan history: Hometeam Inspection Service = 37 loans (16.2% default); Housemaster = 24 loans (8.3% default). The franchise with more SBA funded units, a lower SBA default rate, and a lower royalty load is the safer financing bet; see the comparison below.
Hometeam Inspection Service vs Housemaster: Capital, Scale & Lending Analysis
Analysis based on FDD filings and SBA 7(a) loan level data. Each pairing reflects a unique combination of capital intensity, system scale, and financing path.
Capital Intensity
Hometeam Inspection Service requires the lower minimum capital commitment ($65K vs $69K for Housemaster), a 5% spread. Initial franchise fees come in at $55K for Hometeam Inspection Service versus $43K for Housemaster, Housemaster has the lower entry fee. Ongoing royalty load is 6% for Hometeam Inspection Service and 7.5% for Housemaster, giving Hometeam Inspection Service the lighter per-unit drag on operating income.
System Scale & Tenure
On scale, Housemaster operates 235 units to Hometeam Inspection Service's 200.
SBA Lending Profile
Hometeam Inspection Service has the deeper SBA lending track record, with 37 7(a) approvals compared with 24 for Housemaster. Hometeam Inspection Service's peak SBA year was 2018 (8 loans); Housemaster's peak was 2024 (6 loans). Housemaster's more recent peak generally indicates fresher lender appetite. Hometeam Inspection Service has the most SBA funded units in MI, with 4. Housemaster leads in FL, with 5. Borrowers should pick the brand whose strongest SBA state matches their own state for warmer lender introductions. Average SBA loan size on funded Hometeam Inspection Service deals is $98K vs $138K for Housemaster, useful as a sizing anchor when modeling your own unit.
Risk Signal
SBA default rates are 16.2% for Hometeam Inspection Service and 8.3% for Housemaster, Housemaster has the cleaner SBA loss record by 7.9 points. PeerSense FPI scores come in at 54 (Moderate) for Hometeam Inspection Service and 66 (Strong) for Housemaster, giving Housemaster the stronger composite signal across SBA performance, lender appetite, and operational consistency.
Health & Performance
FPI Score | 54/100 | 66/100 |
Health Tier | Moderate | Strong |
Confidence | N/A | N/A |
Lending Trend | Declining | Growing |
SBA Lending
SBA Loans | 37 | 24 |
SBA Volume | – | – |
Default Rate | 16.2% | 8.3% |
Peer Tier | established | growing |
Investment & Costs
Total Investment | $65K to $92K | $69K to $113K |
Franchise Fee | $55K | $43K |
Royalty Rate | 6% | 7.5% |
Ad Fund | 3% | 2.5% |
Liquid Capital | N/A | N/A |
Net Worth Required | N/A | N/A |
Financial Performance (Item 19)
Item 19 Status | Disclosed | Disclosed |
System Size & Operations
Total Units | 200 | 235 |
Franchised Units | 200 | 235 |
Company Owned | – | – |
Term Length | 10 yrs | 10 yrs |
Brand Information
Year Founded | N/A | 1971 |
Franchising Since | 1992 | 1979 |
Years Franchising | 34 yrs | 47 yrs |
Headquarters | ELKRIDGE, MD | Somerville, NJ |
Category | Building Inspection Services | Building Inspection Services |
Website | ||
FDD Year | 2026 | 2026 |
Which Is Better, Hometeam Inspection Service or Housemaster?
Lower upfront capital required
Hometeam Inspection Service
Hometeam Inspection Service: $65K starting · Housemaster: $69K starting
More SBA lender confidence
Hometeam Inspection Service
Hometeam Inspection Service: 37 SBA loans · Housemaster: 24 SBA loans
Lower SBA default rate
Housemaster
Hometeam Inspection Service: 16.2% · Housemaster: 8.3%
Larger system & brand presence
Housemaster
Hometeam Inspection Service: 200 units · Housemaster: 235 units
Lower ongoing royalty load
Hometeam Inspection Service
Hometeam Inspection Service: 6% · Housemaster: 7.5%
More lender financing options
Hometeam Inspection Service
Hometeam Inspection Service: 16 unique lenders · Housemaster: 8 unique lenders
Decision matrix uses publicly disclosed FDD and SBA loan data. Not a recommendation. Your best franchise depends on capital, market, operating capacity, and risk tolerance.
Need Funding for Hometeam Inspection Service or Housemaster?
PeerSense connects you with 500+ SBA lenders and capital sources. Our referral fee is established upfront and paid at closing.
SBA Lenders & Capital Sources
Retainers or Consulting Fees
10% Down Franchise Loans
About These Franchises
Hometeam Inspection Service vs Housemaster: Franchise Funding Comparison
Comparing Hometeam Inspection Service and Housemaster is about more than brand preference. It's about which franchise fits your financial profile and funding strategy. Investment ranges from $65K to $113K.
Hometeam Inspection Service has 37 SBA loans on record and Housemaster has 24. Those totals are cumulative history rather than a measure of current appetite. Recent lending activity is trending down for at least one of these brands, so current lender appetite has to be checked deal by deal rather than assumed from the totals.
SBA 7(a) loans are the most common franchise funding vehicle, offering up to $5M with as little as 10% down. PeerSense connects franchise buyers with the specific lenders who have approved loans for these brands, not generic referrals, but lenders with actual franchise lending track records.
Data sourced from SBA loan records, Franchise Disclosure Documents, and public filings. Updated regularly. Not financial advice, consult with a lending professional before making investment decisions.
Hometeam Inspection Service vs Housemaster, Frequently Asked Questions
Which is a better franchise investment, Hometeam Inspection Service or Housemaster?
How much does a Hometeam Inspection Service franchise cost compared to Housemaster?
Can I finance Hometeam Inspection Service or Housemaster with an SBA loan?
Which has a lower SBA default rate, Hometeam Inspection Service or Housemaster?
Talk to PeerSense
Tell us which brand and your budget. We source capital from lenders who have already funded deals in these systems.
Franchise / SBA 7(a): The desk will reach out. No obligation.
Page Review
Reviewed by Edward L. Freeman, Founder and Managing Director, PeerSense
- PeerSense is a capital advisory firm that places commercial financing with direct capital sources; it does not lend, fund, or approve loans, and the capital source sets final terms.
- Edward L. Freeman founded PeerSense in January 2020.
- He is a Registered Franchise Consultant with Business Alliance, Inc., a credential issued in March 2022, and worked as a franchise consultant there from March 2022 to May 2023.
- His recorded experience includes a $22 million SBA construction loan, with about $16 million funded on the deal.
- In the 12 months through September 30, 2026, PeerSense tracked 912 publicly announced financings with a disclosed size of $361.32 billion. PeerSense Capital Data Report · Methodology page
Last reviewed LinkedIn profileAbout Edward Freeman