How to Conduct a Contact Mortgage Field Inspection (Part 9)

David Wright
Wright Property Solutions, LLC
Massachusetts, USA
1-888-279-4595

Contact Occupancy Determination:

GUIDE TO PHOTO REQUIREMENTS

For the needs of photograph necessities, a property is both occupied, vacant, gated/no entry, on the market/lease or dangerous tackle.

Partially occupied/vacant properties are to be thought-about vacant.

6 OR 9 PHOTOS

Occupied Properties (Minimum 5)
1. Front
2. Street Sign
three. Address quantity
four. Street Scene
5. Occupancy Indicator
6. Door Hanger

When contact is made script for the interview:

“Hello my name is (insert your name) I am an independent contractor performing routine inspection services on behalf of your lender. I have been asked to perform an interview with the occupant of this property. Would you be willing to answer a few questions for your lender?”

(Occupant Response)

May I’ve your identify please?

(Occupant Response)

Your lender would additionally like your greatest contact telephone quantity, would you be prepared to present them with that info?

(Occupant Response)

Thank you in your time, if in case you have any further questions, or would really like to converse with somebody about standing of the topic property, please contact your lender immediately.

If the occupant requests info from you as to their state of affairs or something that doesn’t pertain solely to the inspection reply as follows: “I am an independent contractor working with a Mortgage Field Services Company that contracts with your lender to perform these interviews. Neither I nor the company I work for is affiliated with the lender; as such we are not privy to any information regarding your specific situation or the status of the subject property. Your lender would like you to know they are committed to providing you with any information you desire and implore you to contact them as soon as convenient to discuss your specific situation at length.”

If a home-owner is persistent/combative/troublesome it’s acceptable to present them with the telephone quantity for our workplace to reply questions (PLEASE NOTE: this isn’t a most popular answer this answer is supposed to launch a vendor from a probably precarious state of affairs)

If there isn’t a reply on the door/an interview shouldn’t be accomplished with the occupant the financial institution requires trying contact with at the very least two neighbors to ask the query: “Do you know the name of the person who occupies the house at (insert address)?” This is the one query we’re legally allowed to ask the neighbor, we’re additionally legally forbidden from offering the neighbor with any info aside from “I am an independent contractor performing routine inspection services on behalf of the lender/loan services/lending institution, unfortunately I cannot answer any questions for you, please accept my apologies.”

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