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A home inspection is primarily conducted by a buyer to understand the maintenance needs of a property. Inspectors evaluate critical areas of the home, including the roof, plumbing, electrical systems, and structural elements. This process provides insight into the property’s condition and any potential issues that may need to be addressed. By identifying problems early on, buyers can make informed decisions regarding repairs, future maintenance, or even whether to proceed with the purchase at all.

In contrast, the other options do not align with the primary goals of a home inspection. Increasing the selling price pertains more to seller strategies rather than buyer evaluations. Finalizing a mortgage application typically involves the lender's appraisal processes rather than the home inspection. Determining the neighborhood's value is a separate consideration that involves market research and does not directly relate to the condition of the home itself. Thus, understanding maintenance needs is indeed the most relevant and common reason for conducting a home inspection.